However, renters are forced to bear the rising rent income in the future. They don't believe that house prices will rise by tens of thousands or hundreds of thousands, just as they don't believe that their future salary may be tens of thousands or hundreds of thousands, but the fact is usually true in the future, and the house is the only property that can hedge the transaction risk.
2, buying a house can use the leverage of borrowing to make a big real estate. Financial enterprises encourage you to buy a house. In addition to meeting your credit standards, paying down payment as a safety mat, the house itself is an extremely important credit guarantee. The theory is that as long as the mortgage interest rate is "rental return rate+appreciation return rate", there is no compensation for the purchase.
10 years ago, I earned thousands of dollars and saved a thousand dollars by biting my teeth. Now, 1000 is basically useless. But if it had been traded at that time, it might have been a big step forward in life! Similarly, if you owed a thousand dollars ten years ago, you still have no strength at all. Therefore, people who owe mortgages are not afraid, often depositors, and basically watch their money shrink every day.
3. Investment real estate still has a high income level. At this stage, although the real estate industry may not be as explosive as in the past ten years, it is relatively easy to achieve the annual return on investment of 10%. Compared with deposits, bonds, equity funds, individual stocks and other types of project investment, the income level is already good, and the clarity of important real estate industries is very strong.
4. Improve the corporate credit rating of investors. Buying a house will improve your credit rating, which is convenient and distinctive in applying for loans and starting your own business.
5. There are many household registration, marriage matching, children's enrollment, pension retirement and various benefits in China, all of which are related to the house. The owner has supreme power, but the lessee does not.
The disadvantage of investing in buying a house is 1, and the project investment is large. Even 30% down payment is more, so now the house price should be more than ten or even millions; Coupled with the pressure of mortgage, daily life will be suppressed in the next 10-20 years. To make matters worse, once Hong Kong is hit by the Asian financial storm 1998, or the United States is hit by the 2007 financial crisis, many investors will go into negative assets.
2. The return on investment is very long. From 3-5 years to 10 years, there are complicated taxes, application procedures and various procedures, which are very troublesome and even difficult to turn into cash.
3. Must have professional knowledge and work experience. It can only be said that everyone who has bought a house understands that buying a house is really not as simple as spending money on shopping spree, and it really takes time and energy.
The demolished houses can apply for loans, but the following three conditions must be met: 1. A demolition agreement must be provided to prove that the demolished house is not restricted by the current policy.
2. Complete five certificates, state-owned land use right certificate, construction land planning permit, construction project planning permit, construction permit and commercial housing sales permit.
3. There is a real estate license (there is only a relocation permit and no loan can be made). But even if the house can be demolished, the loan amount obtained is not high, whether it is looking for financial institutions or other loan companies.
What is the payment standard of maintenance fund? 1. Residents of residential and non-residential houses shall deposit special housing maintenance funds according to the total construction area of the property, and the amount of the first special housing maintenance funds is 5% to 8% of the local residential construction cost per square meter.
The competent department of capital construction (real estate) of the people's governments of municipal districts, cities and counties shall, according to local conditions, reasonably determine and announce the amount of the first-phase special maintenance fund for residential buildings deposited per square meter of construction area, and make timely adjustments.
2, the sale of public housing, residential special maintenance funds in accordance with the following requirements:
(1) The owner of the residential community shall deposit the special maintenance fund for the residence according to the total construction area of the property, and the amount of the first special maintenance fund per square meter of construction area shall be 2% of the ex-factory price of the local housing reform office.
(two) housing sales enterprises in accordance with the principle of not less than 20% of the sales price of double-storey houses and not less than 30% of the sales price of high-rise houses, from the sales price of a one-time withdrawal of housing special maintenance funds.