Is it because the house price is too high, the real estate market reason or personal reason? It's really hard to buy a house now. Let me introduce the reasons why it is difficult to buy a house. Let's have a look together with interested friends!
The first reason why it is difficult to buy a house is that the house price is too high
China's house prices are high, but not all of them. According to the house price data of 100 cities in June 2015, the average price of the sample of 100 cities in China is 10628 yuan / m2, of which the house price of Shenzhen, Shanghai and Beijing remains at 33000-34000 yuan / m2, becoming the city with the highest house price in China. However, there are also third and fourth tier cities such as Xiangtan and Baoji. The house price is still lower than 4000 yuan / m2, which is the lowest in China.
So, can't afford a house is the reason for the house price? Obviously not. Based on the per capita annual income of 30000 yuan in Xiangtan, a 100 square meter commercial house is less than 4000 yuan / square meter, and the down payment is 120000 yuan. A normal family can basically gather together without pressure within five years. Not to mention, in Beijing, Shanghai and other cities, with a monthly income of more than 10000, buying a house is only a matter of minutes, as long as you choose.
Second, the lack of houses
It is difficult to buy a house. Is it because there is no house to sell in the market? According to the data released by the National Bureau of statistics, as of the end of May 2015, the area of commercial housing for sale in China was 656.66 million square meters, an increase of 34.97 million square meters compared with 621.69 million square meters at the end of 2014.
Is buying a house? The answer is also wrong. As long as you want to buy a house, there are a lot of new houses and second-hand houses.
Third, the income is too low
Unable to afford a house is mostly due to insufficient funds, but it is not entirely due to income. According to a survey, the average age of first-time house purchase in China was 27 years old in 2010. By 2014, this number may have fallen to 25 years old. Not to mention the post-80s, the post-90s who are currently active in the army of house purchase have already been everywhere. Think about it, baby, how old are you? Many people are still studying and can't live independently from their parents. Why buy a house so early.
If you are not a "second generation", you still work diligently and make money honestly. As long as you have perseverance, it is not absolute whether you can buy a house or can afford it.
The fourth reason why it is difficult to buy a house is to buy up rather than down
Another most important reason for the difficulty of buying a house is the speculative psychology of buying up rather than buying down. Imagine that during the "collapse" of the property market in 2008, developers called you not to buy a house. At that time, the house price could not be lower; But in 2010, house prices soared, and people lined up to buy houses; The same buying up and not buying down continued in 2011 and 2013.
In fact, for those who just need to buy a house, the greatest significance is living, not investment. In other words, house prices are rising, and all houses are rising; The house has fallen and all buildings are falling, so the rise and fall of house prices have nothing to do with you.
The fifth reason why it is difficult to buy a house is not decisive
If you don't buy a house today, you'll be busy for a year. Although it's exaggerated, it's really the truth of buying a house. In the current real estate market, there are some buyers who always put the hope of buying a house on tomorrow and always expect a lower price and a better house tomorrow. However, they wait and wait until the house price rises and the favorite house is sold. Finally, they are forced to buy at a high price.
1. Average price of real estate: do not mistakenly think that the average price launched by real estate advertising is the price of the house you buy. Be sure to clarify the concept of average price of real estate. Before opening for sale, the developer sets the sales price of the community to be sold according to the current market conditions and cost accounting. This price is the average price of the project. When a real estate is introduced to the market, there is an average price first, and then calculate the price of each unit in each building through it. There is a difference between the two.
2. Plot ratio: refers to the ratio of the total aboveground construction area to the land area of a community. For developers, the floor area ratio determines the proportion of land price cost in the house, while for residents, the floor area ratio is directly related to the comfort of living. For a good residential area, multi-storey houses should not exceed 1.5, the plot ratio of high-rise houses should not exceed 4, and it is not recommended to buy if the plot ratio exceeds 5.
3. Utilization rate and practical rate: the difference between the two is that the utilization rate refers to the net area in the residential suite, that is, the ratio of the used area to the residential area. Generally, the high-rise tower is between 72% ~ 75% and the slab building is between 78% ~ 80%. The utility rate is the ratio of the built-up area to the residential area, which is greater than the utilization rate. Therefore, developers often use the utility rate to attract buyers.
4. Green space rate and greening rate: green space rate refers to the ratio of the sum of all kinds of green space within the area of community land to the area of community land. The land within 1.5 meters from the building exterior wall and 1 meter from the road sideline and the land whose surface soil cover is less than 3 meters deep, regardless of whether there is greening on them, are not included in the green area. Greening rate refers to the ratio of the sum of greening vertical projection area and community land. The green space rate of residential quarters shall not be less than 35%. Buyers should pay attention to the greening rate publicized by real estate developers when selling real estate. In fact, many of them are greening coverage.
Just meet the needs
Because people's herd mentality and habit of following the trend will make a real estate or an area more and more popular, and the price will be more and more expensive. If you are expensive to a certain extent, you should be careful not to be "locked up" in real estate. Therefore, meeting your own needs is the best house. Set your own goals before buying a house, look more than you can, and don't compare and care after checking in. Psychological balance is more important than any material enjoyment.
Avoid the deposit trap
Many developers will offer discount activities of how much to offset how much., How much deposit do you need to pay. Some developers will still refund the deposit, and some will refund for various reasons. Therefore, if you pay a deposit, you must be optimistic about the deposit contract. Moreover, Chinese characters are broad and profound. Although the meaning of Ding and Ding is similar, they are very different. Therefore, the difference should be clearly distinguished to avoid falling into the deposit trap.
Avoid house grabbing traps
Developers will always create an atmosphere of robbing houses, so that many buyers focus on robbing houses at one time, so that many people in order to grab a good house number. They will grab the house without thinking, and many developers announce the house price just before grabbing the house. So be sure to calculate and decide whether to grab it. Don't try to get it and the price is too high.
Viewing house area
Sometimes, the reason for looking at the model room is that the decoration effect will appear that the house is very large, so those who look at the house and buy rough try to take the undecorated house as a reference.
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