Buying a house four parts to commemorate the first time in my life to buy a house

From the decision to buy a house to the signing of the contract, it took 5 days, and it was like a dream that I completed my first house purchase. So far, my mood is still not so calm (mainly because it was too fast! I didn't respond, forgive my fragile little mind = =#), so after sorting out my mood, I decided to share my experience of buying a house and some of my own experience, hoping to help to some friends! One piece: The background landlord graduated 6 years ago and has a foreign account. In 2015, I just qualified to buy a house. I have less than 500,000 cash in my hand, and I have 200,000 in the provident fund account.  I have always wanted to buy a small house for investment, and at the same time get the idle provident fund to use. Seeing that this wave of house prices started to grow wildly again, I was worried that it would rise too much after the year, so I decided to start as soon as possible. Part II: Ideas for Buying a House First of all, it is clear that the purpose of buying a house is to invest, and investment is nothing more than looking at the appreciation potential and rental income (that is, the rent-to-sales ratio we call). Most people who buy a house will expect their house to appreciate sharply in the future (unless it is a fool...)  1. The house in Beijing with the potential for appreciation  , generally the newly opened subway will increase more or less. So I mainly look at the subway planning in Beijing in recent years, and try to find houses near the planned subway stations. 2.  It is easier to rent a house in a good location than in general. New houses are generally bought for self-occupation, and the price of new houses is high, so they pass directly. Just look at second-hand homes. With the above ideas clear, start looking for a house. Trilogy: The idea of ​​selecting the target room is very clear, and the following two steps are performed. 1. Select the target subway line  The following is the subway map in 2016:  http://bj.bendibao.com/traffic/2013524/104632.shtm
  

  


  

  
  
 
  


  

  

  

  

  

  
  
 
  

  

  

  
  
The subway plan posted above is a bit old, and some subways have already opened, but you can also refer to it. In the subway planning map, it can be clearly seen that Line 8 is a very good line, with the central axis running through the north and south. Comrades all know that the surrounding housing prices have risen since the opening of Line 4 and Line 5 of the North-South Line. And Line 8 is planned to be fully opened by the end of 2017. So, here it is, lock down Route 8 and start looking for homes that feel good. 2. Select the target subway station  The following is the average price map near the subway sent by Shuimu netizens:  http://www.newsmth.net/nForum/#!article/RealEstate/4887015 Combined with the planning of Line 8 in Step 1, look at the vicinity It can be seen that only the northern end of Line 8 (Huoying and the north of Huoying) and the southern end (near Dahongmen) have relatively low prices. Considering that the house price in Huoying has risen a lot in recent years, and the environment is indeed immature (in fact, Huoying's house can still be rented at a price, because there are many code farmers), it is expected that the increase may be smaller. The price of the South Third Ring Road and Fourth Ring Road has not risen in recent years. To the north of Dahongmen, Line 8 has two stations, Muxiyuan Bridge South and Muxiyuan Bridge North. Therefore, for the time being, we will delineate the vicinity of the Muxiyuan Bridge. 3. Locate the target community  , search for Muxiyuan Bridge on the Sogou map, and then click "Home" on the left to select "Second-hand Houses" to get information about second-hand houses in the surrounding area. And you can see the location of Muxiyuan Bridge South Subway Station. As follows, looking at the map can be enlarged:  http://map.sogou.com/#c=12956964.84375 , LQ = & 4816400.390625,16 u624B%%% u4E8C & u623F Page WHERE = & = 1,10 12956443.359375,4816146.484375,12957404.296875,4816720.703125,0 
  


  

  

  
  

  

  

  
  

  

  

  
经过筛选，木樨园桥北的价格，基本都是单价3.5万以上，所以直接pass，那就锁定木樨园桥南地铁。 
  
用搜狗地图查看周边小区的二手房信息以后，最后锁定了“珠江骏景”，它分中区、南区、北区三个。 
  
注：中间查了很多小区的价格、成交等信息，主要是用链家和搜房网的房天下查。 
  
经过大量查询，归纳出几个要点： 
1）中区的均价、总价最高，单价基本3.3万以上  
2）北区单价基本3万左右 
3）南区单价有的高有的低，低的甚至出现过2.2万单价！高的也有3.5的 
  
nani！2.2万单价？三环？！！是不是觉得很震撼？现在想在五环内找2万单价的房子都难上难啊，这里居然还有2.2万的！！ 
  
然后又查了一下房租，这个小区66平的，基本租金在4000-4600左右，结合这个单价，总体来说还凑合。考虑开了地铁、还有大红门的改造计划，将来这边的环境好点了应该还有上涨空间。 
  
所以，小区锁定，珠江骏景南区，再看链家挂的房源，有180万66平的，虽然说单价算下来2.7万了，但是感觉还可以，至少没到3万啊。哈哈，这不是为我准备的么！直接联系中介，约了看房时间。 
  
  
四部曲：看房签约 
  
上上周的周六，一大早起来带上媳妇儿直奔木樨园那边的链家，看了提前选定的房子。那个周六据说是今年最冷的一天，差点没冻死哥啊。。。 
  
珠江骏景南区的小区内部绿化还是非常好的，还有个大喷泉。房子是个大开间，挺宽敞的。 
  
但是，我也知道了这个房子为什么这么便宜了，因为没有天然气！！这个是硬伤啊。天下没有免费的午餐啊！ 
  
算笔账： 
  
月租金算4200， 如果我贷公积金120万30年，一个月月供大概5300左右，而且夫妻两人的公积金都能取出来了，里外里还了房贷之后，比买房钱家庭月到手的钱还多了。 
  
首付的钱虽然也可以拿来投资，但是现在这个环境，投资什么都不放心。。。这个房子可以预见的时候，2017年一定多少会涨一些，我比较容易满足。再次，考虑到害怕年后房子再涨价。所以，就这么就决定了下手。 
  
于是，让中介约来了房东，经过几个小时的漫长等待。房东是个很不错的80后，也很聊得来。在晚上9点前完成了交定金、签约、补充协议等。 
  
  
  
PS：中间有一些小插曲就不讲了. 签约当晚，一晚未眠，主要是这个过程也太快了，大脑有点没反应过来，夫妻两人总是互相问，我们就这么买了房？！  是的。。买了。