1 Introduction
In 2012, when I just graduated, I was pretentious, thinking that from the beginning of graduation, I must buy a house and a car to get married.
When I was about to get married in 2018, I had no house, no car, no savings, and house prices have skyrocketed since the end of 2016.
I was only born in a rural area, my parents are farmers, and a most ordinary ordinary undergraduate youth.
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2. Settlement & raise money
When buying a house in Beijing, before my wife forced me to settle the accounts, she was afraid of it and did not dare to hope.
However, I found out that there is such a possibility.
My wife is willing to put out all her savings + provident fund + part of the loan, and I am responsible for preparing the rest.
Starting to act, from relatives and friends, to college and high school classmates, to friends for many years, to colleagues in the company, everyone who can speak, 10,000 is not too small, and 100,000 is not too much.
Loan practice:
- Relatives: Borrow at an annual interest rate of 3%, which will be paid off within 5 years.
- Friend: Borrowing at an annual interest rate of 6%, pay off within one year.
- University/high school students: Borrow a loan at an annual interest of 5% and pay off within 3 years.
- Bank loans: 10% annual interest, 5% early repayment of the remaining principal liquidated damages. A very painful lesson, don’t use it as a last resort.
All loans are lent in the name of individuals, and the income of individuals and lovers, as well as interest and repayment period are stated. It is recommended not to let your parents borrow money for you for this kind of thing. Adults still need to bear their corresponding responsibilities.
Honest, sincere, and full of hope for a new life, let go of self-esteem, call and meet at home one by one to explain the loan and return situation.
Fortunately, most of the time, in the eyes of friends and relatives, it is pretty reliable. The success rate of borrowing money is as high as 70%.
The actual loan bill is as follows: (Although I have tried my best to borrow money, there is still a difference of 400,000 yuan, and finally the bank has a high interest loan)
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3. Viewing & buying a house
(1) Psychological expectations
The most important thing for buying a house is to clarify the psychological expectations (location, total price, floor, apartment type) + a good intermediary;
(2) Watch and talk more
In fact, at the beginning, apart from knowing that I wanted to buy a two-bedroom house and a house of about 3.3 million yuan, there were no other expectations.
Therefore, the entire inspection from February to June, ranging from the North Fifth Ring Road (Huoying, Huilongguan), the South Third Ring Road to the South Fourth Ring Road, the East Fourth Ring Road to the East Fifth Ring Road, and six intermediaries were changed. , I saw no less than 30 houses.
With the inspections of various apartment types, floors, locations, and communities, chatting with intermediaries, learning from seniors who have already bought a house, and screening by multiple conditions, the house image is basically determined.
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Note: Do not buy the first floor, it is very wet, even the floor cannot be laid
The portrait of my target house is as follows:
- Location: East Fourth Ring ~ East Fifth Ring, near the subway
- House age: after 95 years
- Unit type and area: 60～70 square meters, formal two-bedroom
- Floor: 2, 3, 4
- Supporting facilities: education, leisure, medical care, greening
(3) Find a suitable intermediary
After the house portrait is confirmed, I believe you have followed no less than 3 or 4 intermediaries. Continue to search until you find someone you trust and are satisfied with. Because in the process of buying a house, I have encountered a type that only sells the house, is honest but not active enough, is too suggestive, blames others, etc. In a word, I change decisively to those who are dissatisfied with their attitudes, not active enough, and not trusting enough. . Until you find a satisfactory degree in all aspects, it is best to sell the top of the store or even the regional top. In the end, I was looking for a 92-year-old peer who was the top seller in stores and districts. I was very lucky.
To be honest, Lianjia should be the most reliable real estate agency in China, but there are still endless cases of getting a house in Lianjia. Most of them are a good intermediary who can help you avoid the pit. (The sales crown I was looking for, because I was relatively young, and the background of a house had not been investigated clearly. Fortunately, I spent money to find an ace broker to help me inspect the house, only to find out the real reason for the account and the sale of the house, otherwise I would be cheated.)
(4) Find the target house and negotiate the price
After finding the right intermediary, I believe there will be a steady stream of suitable housing recommendations. Remember your principle of choosing a house and don’t give up, because I think the house is the same as your wife, and there will always be the most suitable one for you.
A. Find suitable housing, pay attention to the following points:
(1) All accounts must be removable;
(2) Unsecured house loans (other than mortgages);
(3) There has been no fire or murder in the house; (the fire affects the quality of the house and the house is unlucky)
(4) Neighbors have no neuropathy; (sent to neuropathy in the community, scolding people for half a day every morning, can't control it)
(5) Do not have cockroaches in the house; (Once cockroaches are found, they will never be wiped out)
(6) In the case of limited budget, the target housing must have obvious shortcomings. We must find him, and fully evaluate the pros and cons, whether it is acceptable. After paying the deposit, there is no regret medicine to take.
B. Negotiate the price with the landlord, pay attention to:
(1) Fully figure out the reason why the landlord sells the house; (I almost bought a set of houses to repay the debt, and the account cannot be moved, so I bought it and died)
(2) Look at all transaction prices and average transaction prices of similar houses in the community within one year; (evaluate the price of target houses)
(3) For the house I bought about 3.5 million, the transaction price is generally 200,000 lower than the listed price (when bargaining, try to be lower than the listed price of 200,000 and start talking)
(4) During the price negotiation period, the price increase should not exceed 10,000 yuan each time. Negotiation of money does not hurt feelings. (In the process of discussing prices, the sincerity of both parties is also being tested. Don't increase prices too fast, pay attention to psychological warfare.)
C. Talk about the intermediary fee with the intermediary, pay attention:
For houses with a lower total price, Lvjia intermediaries generally charge a 2.7% intermediary fee. It is too expensive. We cut it down to 2.4%. Everyone is cheering. There will not be many transactions in 2020, and it should be lower.
(5) Pay down payment + take the house book
Next, follow the Lianjia standard process to fully cooperate with the house transaction step by step to ensure smooth house purchase.
I bought the house and decoration design drawings
The renovated kitchen [Checked in]
4. Summary
In fact, the more you grow up, the more you find that life is not easy. Especially for most ordinary families, buying a house in Beijing may be the most challenging thing in the current life of parents and myself.
Therefore, we must prepare more, watch more, talk more, talk more, find a reliable intermediary, inspect the house patiently, and check the principles, hoping that everyone can buy a house that is satisfactory to them.
Life will always meet us in a way that we have never known. Face pain and confusion, go on firmly. Finally, I would like to encourage everyone with the interview video of Elon Masco .