Phoenix Net Real Estate Zibo News (Editor Liu Jia) As soon as many buyers plan to buy a house, they start to look around the house, choose lots, types and matching facilities, only to find out when they want to pay: either the down payment is not enough or the monthly payment exceeds their affordability, so they can only waste their precious time in vain. In fact, buying a house still needs a detailed income and expenditure plan. Instead of raising a house and not being able to raise children, it is better to assess your own purchasing ability in advance and then do what you can. In fact, the ability to buy a house is also different because of people's economic situation. For example, the ability to buy a house is for local tyrants: the ability to buy a house = the full amount of the house that can be taken out at one time; For ordinary people, the ability to buy a house = down payment ability+repayment ability. So, how to evaluate the individual's ability to buy a house?

1. Inquiring about the credit status of personal banks

I believe everyone has heard about the housing prices in recent years. It is precisely because the housing prices are so high that most property buyers buy houses with loans, so you have to look at the credit status of personal banks in advance. The main attention is whether the bank repayment is overdue, including credit card repayment overdue and loan repayment overdue. It is very common for young people to be overdue today.

I believe everyone who has had loan experience knows the importance of personal credit investigation to loan banks. In a word, before the bank approves the housing loan, the first thing to do is to inspect the lender's bank credit. If there is a bad record that leads to poor credit status, it will become very difficult to get a loan.

Then the question is, what if I have overdue the loan before buying a house? Will it be rejected directly? Generally speaking, if there are only a few non-malicious overdue times, don't worry too much, just communicate with the bank in advance to get an understanding.

Second, estimate the family's existing funds

The funds used to buy a house are often large, which usually requires the savings of the whole family. That is to say, buying a house is a matter for the whole family. Therefore, before buying a house, we should estimate the family's existing funds: family deposits, realizable assets and financial management. The specific methods are to check the bank account, count assets and calculate the average monthly income and other income of the family.

Third, determine the down payment

Generally speaking, most buyers buy houses through loans, so they only need to pay the down payment when buying a house. If you are buying a house for the first time, the down payment is generally 3% of the total house price, and the second suite depends on the city where the buyer is located, which is much more than the down payment for the first home purchase.

of course, you can't just prepare the down payment, because you need some extra expenses after buying a house. For example, pay maintenance fund, deed tax, etc. When evaluating your down payment ability, you must add the decoration cost of the house, because you can't live in a rough house.

IV. Assess the monthly repayment amount and repayment period

Since you bought a house with a loan, you have to repay the mortgage every month. Therefore, in order to determine the monthly repayment amount that a family can bear, it is suggested that the monthly repayment amount should not exceed 5% of the family's total monthly income, because you should consider not only the factors of the increase in loan interest rate, but also the factors of your income reduction.

As for the choice of repayment period, Xiaobian needs to remind buyers that most provinces and cities have age restrictions on buying a house with loans, so it is not as long as you want. In addition, when you buy a house with a loan, you should set aside a year's mortgage. After all, housing repayment is a long-term matter, and you need to consider it comprehensively according to your own situation.

V. Calculating the ability to raise a house

When buying a house, there will be a lot of procedures to go through and a lot of expenses to pay, but don't think that you will be fine after buying a house, because you still need to "raise a house". For example, the things we have to face are all kinds of living expenses. According to the different regulations of the community, the property fee, water fee, electricity fee, heating fee and gas fee should be taken into account by the owners.

(Source: Shenzhen has a house)