Where there is work, there is no home, and where there is home, there is no work. The soul cannot be accommodated in a foreign country, and the body cannot be accommodated in the hometown.
A place called home can't find a way to support a family, and a place to support a family can't find a home.
Why choose Wuxi?
1. The geographical location is superior. First of all, it is the Pearl of Taihu Lake, which borders Suzhou and is not far from Shanghai, Nanjing and Hangzhou. It takes half an hour by high-speed rail to reach Shanghai, Nanjing, etc. This is the main reason for choosing Wuxi.
2. The transportation is developed, first of all the high-speed rail, there are two high-speed rail lines passing through Wuxi, the high-speed rail station Wuxi Station, Wuxi East Station, Wuxi New District Station and so on. There are also Shuofang Airport, Shanghai-Nanjing Expressway and so on. There are currently 2 subways running in the city, and Line 3/4 will be opened in 2 years.
3. Wuxi's GDP is high. In 2017, Wuxi's GDP exceeded one trillion yuan, ranking 13th in domestic cities, and its per capita GDP is second only to Shenzhen. Just selected as a new first-tier city.
4. Wuxi is relatively easy to settle down, and it can be settled within 2 years of social security housing, which has many advantages compared to Suzhou and Shanghai.
5. For me, I choose Wuxi to advance and retreat . On the one hand, I can settle down in Wuxi first, choose to work in Shanghai, and then go back once a week. On the other hand, Suzhou software is also very good, and I can also choose to work in Suzhou. , In the end, it is not impossible to work in Wuxi.
Why not choose home
One can be summed up, because there is no job, I can only farm the land when I go home. There are almost no software companies in the city, and .Net is a drop in the bucket. The hometown is infinitely good, but there is no job.
June 21, 2017:
Fancy 121 square meters of resettlement house, the cost is 820,000, and all costs are 980,000, including land transfer fee and various taxes. But the money you can borrow is only 70% of the 820,000, which means that you need more than 400,000 down payment to buy this house. At that time, it was better to buy a commercial house directly if it was not cost-effective.
June 22, 2017:
Found a developer in Wuxi.
June 24, 2017:
I went to the sales department to understand the situation. The fine decoration is about 12,000 per square meter. The salesman just said that he would sign two contracts. There are many tricks in this, which will be discussed later.
Disadvantages: There is nothing around, except the factory or the factory, the factory, the factory, the important things are said three times, I want to buy a bottle of water, I'm sorry, I don't have it, please go a few kilometers away to buy it.
Advantages: The only advantage is the location, the established high-speed rail station, the line 3 under construction, and the planned line 4.
There will be : sales talk and their on-screen plans, elementary schools, middle schools, high schools, hospitals, shopping malls, supermarkets, Phase 3, Phase 4, etc. will be built nearby, and later on how they shoot themselves with stones feet .
June 26, 2017:
The pledge is 20,000, and it is worth 40,000. There are details about the pledge here. In short, it is an illegal activity by the developer. Simply take the money to occupy the pit. And the point is that the money you recognize is the full payment for the house purchase, not the down payment when buying a house. But they are the rule-makers, and we have to obey unconditionally or not buy. When the developers I want to buy are all like this, ZF turns a blind eye. Acknowledgment in Baidu Encyclopedia
When I went to find out the situation on the 24th, I said that I will accept the chip on the 26th, and I will select the room in the order of the chip, so I ran from Shanghai to the Wuxi sales department at 4:00 on the 26th. Everyone will write a sign-in form when they go there, thinking that it is in this order. Recognizing the chips, they found that they were too naive. Their sales staff arbitrarily changed the list above so that everything was messed up in the back, and the whole hall was full of quarrels in an instant. In short, it is very unpleasant. The arrival at 5 o'clock is the same as the arrival at 8 or 9 o'clock, that is, you have no meaning, and after all the chaos, all the rearrangements.
Opening time: It is said that it is about the end of July and the beginning of August when the sales are pledged .
July 2, 2017:
I learned a situation in the group, that is, I said before that there are two contracts for 12,000 per square meter, 10,000 is a house purchase contract, and 2,000 is the cost of decoration, so the problem is, the cost of decoration of 2,000 cannot be loaned for 30 years, only Loaned for 5 years , and calling the sales also confirmed this, I asked the sales why he didn't tell me at that time, he said and said. . . I didn't hear it clearly, just pretend I didn't hear it clearly. . .
As for why there are two contracts and why there are fine decorations, many people should understand that the government has set a price limit, and they will make money by doing decorations.
July 19, 2017:
The developer QQ group was suddenly blown up by a piece of news, a news of a land auction . It is the place where they said on the plan and sales that they would build primary schools, middle schools, high schools, hospitals, shopping malls, supermarkets, and the third and fourth phases. That's right, the land isn't the developer's , they're planning their own blueprints on land that might be another developer's. This is definitely a serious fake sale. Then the people in the group learned about the situation from their respective salespersons, but the result was a collective silence, and the salespersons who used to talk every day in the QQ group were also silent. We can only think about it secretly, think that it was decided by the developer, and think that other developers would not shoot this land. Let's wait for the results of the auction in August.
July 29, 2017:
Learn about buying a home
1. One of the opening sites in Wuxi is: 30% down payment for reservations before 3:00 pm, and 50% down payment for all reservations after 3:00 pm.
2. Another developer's opening site is: 30% down payment before 2 pm, 40% down payment before 4 o'clock, and then 50% down payment after 4 o'clock.
3. Now in some places in Wuxi, the down payment has been increased to 40%, 50%, and even some must be paid in full.
4. The loan from Wuxi Buying Bank is very slow, in the past few weeks, now in several months, or even longer.
July 30, 2017:
go to the sales department again
1. Before the sale, it was said that it would open at the end of July and early August, but the result was delayed, and it would take the end of August to open. Well, put it off, put it off.
2. The down payment is tricky. Before our last batch of pledges had not yet opened , they had pledged to raise about 10,000 yuan. But now 9,400 is used as the purchase price , and the other 600 is included in the down payment. One of the advantages for developers is that the government thinks that 9,400 is used as the purchase price, which is easy to record. The second is to increase the down payment in disguise.
August 2, 2017 :
I heard another bad news, that is, the 20,000 yuan that was pledged to raise, and the 20,000 yuan was eaten by the developers without any bones left , listen to me slowly.
When I first agreed to raise funds, the developer said that 20,000 was worth 40,000. I naively thought that I could use 40,000 when I paid the down payment. As a result, after discussion in the group, I found out that it was 40,000 of the total price . Of course, this is acceptable. What's even more annoying is that the total price offset by the 40,000 yuan is before the discount , that is, the total price of the house you bought is after the discount. The ugly point is that the original total house price was 1 million, so they sold it to you for 1.04 million, because the 40,000 is not the purchase price at all, and it will not be written into the contract. The money goes directly to the developer, and there is only a receipt.
August 11, 2017:
Wuxi City Price Bureau and Wuxi City Housing and Urban-Rural Development Bureau issued "one price clearing for new commercial housing sales, and the eligibility for online signing will be suspended for violators . "
August 18, 2017:
The result of the land auction was a big disappointment. The developers really planned their own blueprints on other people's land , and the developers did not participate in the land auction at all. This is a complete fake sale.
As a result of asking the sale, other developers will develop the land.
September 25, 2017:
The bad news is coming. Wuxi has limited purchases and requires 2 years of social security. It is said that Suzhou only has one year. I don’t know where Wuxi has the courage to limit purchases for 2 years. Why is the 25th, we all know. Among them, there is a sentence: " When non-resident households in this city buy a house, they should provide proof of social security or personal tax paid in this city for more than 2 years (inclusive) since the date of purchase. " Test. Facts have once again proved that Wuxi’s purchase limit is fake and useless. The developer directly paid 36 yuan for the 2-year tax bill, but the developer charged us 15,000 yuan for the people within the purchase limit. 15,000 can get the hongtou file, which is also worth it. I don't understand what it means to have such a big loophole in the policy. There is no way that a city with a GDP exceeding one trillion yuan a year lacks these 36 yuan. Maybe ordinary people can't understand it.
October 2, 2017:
The sales notice said that it will open on October 7th. There are two types of houses, one is fine decoration (more than 12,000 yuan), and the other is simple decoration. The official name is: new concept decoration. Personal understanding is to install water and electricity. pit. The house price for simple decoration is about 10,500, but only about 9,400 is the purchase price. Like the previous batch of buyers, the other 1,100 or so is put into the down payment as the cost of simple decoration. The difference is that the previous batch of house purchases also made up a lot of money in the down payment. , but there is no paperback. The official statement is that the money is the fee for the intermediary. This time it is the fee for the paperback. Then there is a down payment that must be 40%, and the minimum interest rate will rise by 10%.
October 7, 2017
From June until now, it finally opened, and I successfully selected a simple house, paid the down payment, and then waited for the record.
February 16, 2018
After waiting for more than 3 months, it was finally successfully filed today. I don’t know why the filing price has been reduced, why wait so long, is it the legendary restricted filing.
February 24, 2018
The bank informed me that I don't have a Wuxi account if I don't work in Wuxi, and I need a Wuxi guarantor for the loan. Fortunately, I have a reliable friend in Wuxi, and I went through the guarantor procedures smoothly.
February 26, 2018
The bank notified that the loan was approved, waiting for the final step to release the loan.
May 3, 2018
The bank notified that the loan has been disbursed. Buying a house has finally come to an end.
Buying a house experience summary
1. Buying a house is a long-term war of attrition. It took a whole year from the beginning of the house inspection to the loan issuance.
2. Don't believe everything the developer says about sales. Be careful with everything you say. If you have any doubts, you must go to the Planning Bureau, the Education Bureau, etc. to inquire.
3. Before buying a house, be sure to understand the local house purchase policies, purchase restrictions, loans, down payment ratios, etc. in detail.
4. You can pay attention to some local public accounts for housing purchases: such as Wuxi (Wuxi Release, Wuxi Property Market 365, WXHOUSE) and so on.
5. After selecting a community, join the group to learn about some situations. This is very important. Many news are obtained from the group. The sales will only tell you good news, and bad news will definitely not tell you, so it is very important to collect news .
5. It is best to choose developers from some brands or big companies. If you become an unfinished building, you will regret it.
6. Buying a house is dealing with developers, government agencies and banks. Think about it and know how weak you are. You must pay more attention to the real-time dynamics of the three of them.
7. The most important thing in buying a house is the mentality. There is no perfect house. Those who want to live in their own homes and hope for a quick rise and a low down payment basically fail to buy it in the end.
8. In my opinion, there is no time to buy a house. When the down payment is enough, you can buy it. The sooner the better, buy a house for one year, the house price rises from more than 8,000 to 12,000, from unlimited purchase to 2 years, from 30% down payment to 40% down payment, from 10% interest to 15% up, and the filing range from a few days to a few Monthly, the disbursement of loans can range from a few days to several months.
9. Don't be full of emotions when buying a house, and don't miss the opportunity for petty profits.