Can a million buy a house? Should I buy a house if I have a million now?

Can 1 million buy a house? I think 1 million is certainly a way to buy a house. Moreover, the house bought in 2019, if the house is in a second-tier city, can now appreciate by several million.

Taxes and fees to be paid for the transfer of real estate under the age of five years:

1. Taxes and fees to be paid by the buyer:

1. Deed tax: 3% for the house (3% for the area of more than 144 square meters, 1% for the area of less than 90 square meters and the first house).

2. Transaction fee: 3 yuan per square meter.

3. Surveying and mapping fee: according to the specific provisions of each district.

4. Ownership registration fee and certificate collection fee: according to the specific provisions of each district, the general situation is within 200 yuan.

2. Taxes and fees payable by the seller:

1. Transaction fee: 3 yuan per square meter.

2. Business tax: price difference * real estate certificate less than 5 years).

3. Individual income tax: 20% of the profit part of the real estate transaction or 1% of the house price (the real estate certificate can be exempted if it is the only house for 5 years).

1) Deed tax; For first-time buyers of less than 90 square meters, 1% shall be paid; 90-140 square meters according to the house price; More than 140 square meters shall be paid at 3% of the house price, and the buyer shall bear it.

2) Business tax: Exemption for those who have obtained the property right for five years, and payment according to the house price if it has not exceeded five years. Seller's assumptions.

3) Land Appreciation Tax; The property right of the house is exempted for five years, and the payment is 1% of the house price if it is not more than five years. Seller's assumptions.

4) Income tax: Exemption for five years of property rights, less than five years of payment at the rate of 1% of the house price or 20% of the difference between the original value of the house and the current value of the house. (The original value of the house is generally calculated according to the tax paid amount of the previous deed tax) and the seller bears it.

5) Housing transaction fee; According to the building area of 6 yuan square meter to pay both parties.

6) Housing property registration fee: RMB. Buyer assumes.

7) Housing appraisal fee; Pay according to the assessed amount.

It depends on how much money is per square meter of the house and where you bought it. If you're in a first-tier city.

Then you can't buy a house at all, if you're in a small county, then you can buy two houses. So it depends on the specific address.

Of course, 1 million can buy a house, so it depends on where it is? If it is a first-tier city, 1 million yuan cannot buy a house, and if it is a third- or fourth-tier city, 1 million yuan can buy a very good big house.

Should I buy a house if I have a million now?

1. If you already have a house now, it is better to use the money to do what you want to do.

For most people, it would be a very happy thing to have 1 million in their hands. With this money, you can do what you want, such as buying a house, buying a car, and investing. Some people have their own ideas and hope to use the money to do something big, such as investing in opening a restaurant or doing some small business.

Maybe in the future, if the business can be bigger, then the money will be able to make money; It is also possible to lose your investment and end up losing money. But no matter how hard you work, you won't regret it, the past will be a lesson, and your future will get better and better.

2. People who have been renting a house should use the money to buy a house, so that they can have a stable home.

For people who don't have a house, renting a house all the time is not a long-term solution, especially after getting married and having children, the elderly help take care of the children, in the rented house, there will be a feeling of unsteady, you may take back the house because the landlord has something to do temporarily, and you will continue to move, you will feel indebted to the elderly and children. Therefore, everyone can buy a house with 1 million, and after having a house, a sense of happiness will arise spontaneously, and the relationship between family members will be more harmonious.

3. If the work does not improve much, you can buy a small house with full payment, so that the pressure is relatively small.

Buying a house is not the same as buying ordinary items, in second- and third-tier cities, the unit price of a house is about 10,000 yuan, and if you buy a large house, then your savings will be all spent. When it comes to renovating a house, it will seem particularly tight. If your current job is on the rise, your salary is very high, and you can save a lot of money every year, you can buy a big house.

But if you have an average salary now, you can buy a small house of sixty or seventy square meters, which is warmly furnished, which is also a good choice, so that it will not bring a lot of pressure to your life.

You should buy a house, because if you buy a house, it is equivalent to having a home, and it will no longer be like before, you have no fixed home, and it has always belonged to you, if you invest, there is a certain risk, and we can't guarantee that it can make a profit without losing money.

If you have a house, you can choose to use the money to make some investments, if you don't have a house, it is recommended that you buy a house, and a house with a good location also has a good value-added effect.

It is possible to buy a house, because a house can play a role in appreciation, and it is a place where two people live together, so it is necessary to buy a house.

What house to buy for 1 million yuan needs to be determined according to personal needs and actual conditions. If you are in a small city, such as a third- or fourth-tier city, 1 million should be enough to buy a 3-bedroom and 1-living room house, which can meet the needs of a larger family population, if you are in a first-tier or second-tier city, 1 million may only be enough to pay the down payment, I want to buy a villa or a bungalow, 1 million may not even be enough to pay the down payment, so the specific 1 million to buy what house, need to be determined according to the local housing prices and personal needs, if you need to buy a large house, you can choose 3 or 4 rooms, If you want to buy a small house, you can also buy a 1-bedroom and 2-bedroom house.

If you have 200,000 yuan in your hand, you can buy a house. However, the restrictions on buying a house are relatively high, with 200,000 in hand, in Beijing, Shanghai and Guangzhou, you may only buy a house of about one square meter, and it may not be enough for one square meter, but if you are in a small city of four or five tiers, 200,000 is enough to pay the down payment of the house, you can use 200,000 to pay the down payment of the house first, and the remaining house payment can be used for a mortgage, and then repay the mortgage on time every month, so whether you can buy a house with 200,000 in your hand depends on the area where you buy the house and the local house**.

Because the appreciation space of second-hand housing may not be as large as that of new houses, and secondly, because the living environment of second-hand houses is not as good as that of new houses, a good community environment must be relatively single, and the green area is not new enough, and the supporting facilities and greening of the community are very good. There is also a greater risk of buying a second-hand house, some second-hand houses may be mortgaged houses, many procedures are not particularly before, and there is a lot of trouble in buying a house in the later stage.

The above is about what house to buy for 1 million, you can buy an elevator high-rise building, and there is a bungalow, the area of the house is about 120 square meters.

You can buy a regret with 10,000 houses.

Each house is one million dollars ago, so 10,000 houses just need 10 billion funds.

10000 1000000 = 10 billion.

Because 1 million 10 = 10 million and 10 = 100 million, 100 million can buy 100 houses of 1 million.

100 million can buy 100 houses of 1 million.

Summary. If you only want to pay the full amount, then you can use a car loan, a credit card to take out a loan, a loan of 300,000 yuan, and then the monthly repayment is relatively small, just repay the car loan and credit loan.

Hello, I have seen your question and am sorting out the answer, please wait a while

Hello, glad to let Kai rent you an answer. If you say that this 1 million house, Sun Fu's cash is not enough now, you can choose to borrow from the bank, the down payment is about 30%, and it is also a sign that it is 300,000 yuan, and then you only need to repay the loan every month.

If you only want to pay the full amount, Feng Yu can use car loans, credit cards to make loans, loan 300,000 **, and then repay less per month just repay the car loan and credit loan.

I mean, how much down payment is appropriate and cost-effective.

Your local area is ** too, dear.

I'll look up the policy.

Every region is different.

Lu'an. Is it better to have a little more or less down payment.

Personally, I recommend that a small down payment is better.

Because if the down payment is particularly large, it is equivalent to buying in full, then you will not be able to enjoy the benefit of borrowing money to buy a house.

If you have a small down payment and borrow money from the bank, it will invisibly improve your personal credit.

If the minimum is 3%, the monthly payment will be 4,000, and the interest for 30 years is a lot, and there are no investment channels.

It is true that the interest in these 30 years is relatively high, but this involves financial knowledge.

I'll give you an example, see if you can understand it.

For example, if you go to buy meat, you take a piece of meat, and you look at it, but you don't buy it, and you put the meat back, but in the process of putting it back, your hands are already covered with oil.

I mean that although the interest rate of the loan is high, but for a long time, you can use the money brought to you by the bank to do more things that are beneficial to yourself, and the inflation will be more serious in the future, so the 4,000 yuan of the stool in 30 years may be equivalent to the current 1,000 yuan.

I know that, too! We are just a part-time worker, if I pay 300,000 yuan, and there is 400,000 yuan, I don't know what to do with this 400,000 yuan.

Then I suggest that you can invest in some businesses, or you can buy **,**, and make your money increase.

The most profitable way is not to work part-time, but to let money help you make money, then a loan is a way to make money.

Some wealth management products can't run out of loan interest rates! I don't have that brain, I don't know what to do.

Do you have any projects that you like now, I can help you analyze them, dear.

Take the United States as an example, the U.S. dollar bills issued by the United States are a kind of leek method in the financial industry.

They control inflation by issuing dollar bills to control the interest rate on goods, which in turn controls the direction of the world's value and the world's resources.

This is the strongest way to make money with money.

If you are not interested in the way you manage your money, then I recommend you to buy it, because it is hard currency and will never depreciate.

If it is the first new house, then the proportion of the down payment is about 30%, so the down payment must be at least 300,000. If you buy a second residential house, then the down payment ratio should be at least 50%, and in some areas it will be around 60%, which means that a house of 1 million yuan needs to pay a down payment of 50 to 600,000 yuan. When buying a new house, you can calculate the down payment according to the amount of the loan and the proportion of the loan.

In principle, the more you pay for the down payment, the better, so you can give more if conditions permit, so that the interest will be much less, which mainly depends on your financial ability.

1. To determine the balance of your repayment, after determining the balance, you should see if you can pay off the loan.

2. Next, we must implement the assessment, that is, we must look at the total assessment, and we must also figure out the amount of funds you actually need.

3. The next thing you need to do is to understand the bank's policy, generally the amount of a residential loan for 5 years should be about 60% of the assessment, if it is less than 5 years, the loan amount is only about 50% of the assessment.

4. You can repay the loan without unleashing the mortgage, go to the bank for approval first, and then release the mortgage after the approval is passed, and then re-mortgage.

There is actually no limit on the age of a child to buy a house, which means that no matter how old the child is, he can have a property in his name. At present, there is no age limit for buyers, and minors also have property rights, if the age of the child is not yet 18 years old, then the legal guardian is needed to help the child to buy a house, from the viewing of the house to the submission of the contract need to be completed with the guardian, and after the purchase will also affect the subsequent purchase of the house, which is equivalent to the qualification of the first house.

The above is the content of the down payment for 1 million to buy a house, the minimum interest rate for the down payment of a general commercial loan is 30%, and it is calculated that at least 300,000 should be given.