Beijing property market: This sector has great potential in the future, and investors are laid out in advance

I am a Beijing fangjie, a senior real estate investment expert. At present, it has provided the best solution for 10,000+ people to buy a house. Fang Jie is not like other self-media to hide your mind! Fang Jie belongs to the practical school and only says the most useful operations and suggestions for you.

The following content is selected from the [Beijing Fangjie] public number | Fan Q&A

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Question: Hello Sister Fang! Both husband and wife are kyodo. After tax, both parties earn 40,000 yuan each month, a total of 80,000. Two sets of Kyo rooms. A set of market value 620, loan 220, annual rent 10; a set of market value of 460, loan 150, annual rent 8, rent yourself. At present, he has borrowed 1 million from relatives and friends, with an annual profit of 4%. No cash in hand. Two babies. The monthly payment is 23,000, and the average monthly living education expenditure is 40,000. Do you have any suggestions for asset optimization? Can I still buy a house?

Answer: Two homes should be re-loaned, the cash on hand is well utilized, and the best property can be bought at once. Roughly speaking, it should be possible to make a down payment of more than 400 and buy a set of about 12 million benchmark new 2 bedrooms or new 3 bedrooms. The living expenses are relatively high, and the annual income of the multi-military is 1000 living expenses and 100 for reference. Buying a house in Beijing is currently a window period, the market game, the weather is hot, which is beneficial to buyers. Before the Spring Festival to 15% deposit, 2 months to transfer, now can talk about 7% deposit, 3-5 months transfer. The loan can be done, and the price can be negotiated for 1-2 points. Beijing to buy a house to seize

Question: Dear Sister Fang, can you analyze the future trend of real estate in Xiamen? Is the investment bubble big now? Thank you very much!

Answer: Xiamen's prices have now soared to close to the level of first-tier cities, and some plates are a bit perverted, and I am pessimistic in the short term. The brain drain in Xiamen is very serious. House prices are high and wages are low, and many people are gone. On the contrary, the treatment given by the north, Shanghai, Guangzhou, and Shenzhen is sufficient, which is conducive to absorbing and retaining talents. Local, hard to put into words. Competition is everywhere, and competition between cities is also very fierce. Where there is competition, there will be changes, and survival of the fittest also applies to cities. The problem in Xiamen is that the population is too small, and the wind direction of tourism IP may change.

Question: Sister Fang, the first question for the newcomer: I am the first set of just needed in Beijing, and I have not taken out a loan before. My lover works in the 302 hospital, next March to study for a doctorate, the future place of work is still uncertain; I work in Haidian Peony Garden, I can overcome commuting, consider buying a suite to live in, preserving and increasing the value of the future replacement is good to shoot; the child is 4 years old to kindergarten, our conditions consider the school district plus self-occupation pressure, if you can take care of it is the best; parents live with us, it is best to live with us, it is best to live in three. At present, there are 350 cash on hand, the new house has seen nord Chunfeng Heyuan, Nord Yifu, Zhen Yufu, Xiyue Tianhuan, Yujing West Garden; second-hand houses have seen Minyue Homestead, Xifu Jingyuan, Third Ring New Town, Zhonghai Yuxin Pavilion, Wanheng Homestead, and the Seventh Block. I would like to ask you the following questions: 1, our current situation to buy a new house is appropriate, or to buy a second-hand house is appropriate; 2, these new houses Nord Chunfeng and the top floor of Building 1 of the courtyard I feel good, 127 flat 8.39 million, the down payment can be accepted, the monthly payment is not under pressure, the future is worried about uncertainty, I do sales, the income is floating; the living room is facing east, south to 2 bedrooms, north to 2 bedrooms, is there any need to consider this community, this type of apartment is not good, is there a choice of cost performance on the top floor? Nord Spring Wind and Courtyard and Nord Yifu which disk is more cost-effective Xiyue Tianhuan apartment type likes, 108 flat 5.8 million for me pressure is also a lot less, space is enough, but the place is too biased, there is no supporting facilities around. Now do not know how to choose, trouble you to give advice, in addition to these new disks there are no better disk recommendations. 3, second-hand housing if there is a cost-effective recommendation will also be considered, buy a house in this regard is small white, no concept, listen to your opinion; 4, observe the price of the new house for half a year in the upward movement, the discount is decreasing, the price of the second-hand house is going down (personal views are not necessarily correct), do not know when to start what kind of house (at the end of October this year, 5 years of social security is full). 5, I have a set of Gu'an Jingnan Oasis Phase 1 house 102 square meters (bought in 2010) and a set of Guangdong Huizhou Dongneng Sunshine Santa Fe house 143 square meters (bought in 2017), at that time there was no Beijing housing qualifications, Gu'an then thought that parents are old enough to give parents to live, Huizhou house is pure investment, in the current form, these two houses have no value to hold, the future house price has no room to rise. Friends recommended to do membership after diving to learn for a few months, or can not learn, had to ask you, trouble to help answer, thank you

Answer: 1. Nord Spring Wind and courtyard location is good, the quality of this disk is OK, but the pricing is somewhat expensive The self-occupied attribute is a little stronger, but this disk is stronger than the brother project of the same system of China Railway, Nord Yifu, and the pricing of Zhen Yufu is somewhat high, and it is not recommended to see. 2. The limited competition houses in the new houses are decreasing, and the prices of commercial houses in the later period will rise. Buying a new home with a low down payment can pull up the leverage and buy a target with a higher total price. 3. Second-hand houses are not all going down, and second-hand houses in the core area are rising, especially the plates supported by the nuclear school district in high-quality locations. 4. The yanjiao and large factories in beijing can be bought, Gu'an pure speculation, it is not recommended to hold for a long time 5. Huizhou is not worth holding for a long time, Huizhou is not an unexplored depression, but because of the perennial unlimited purchase, it has been jointly speculated by developers and investors for several rounds. The reason why house prices are low and extremely flat is because there are too many houses in Huizhou, and there is serious oversupply. Huizhou real estate has a significant feature, that is, there are many large markets and huge markets.

Question: Fang sister, our lawsuit encountered a bottleneck, now the company holds the Beijing residential qualification problem around, when buying a house, the developer reviews our qualifications, said that the online signature can be issued, the result is indeed the online signature, to the time of handling the house, the developer's agent to the district real estate is stuck, saying that this company has no qualification to buy a house, the developer requires us to cancel the online signature, re-register a joint-stock company, and then do the online signature, we feel that the risk is huge, did not go to this, invited a lawyer to check out the lawsuit, the developer's attitude is particularly bad, Refuse to ignore, until the court handed them a summons, before and after the trial, the developer let the agent contact me and said that I can do it, saying that they have been coordinated by many parties and the relevant departments have interpreted the policy many times, and now they can be reasonably legal and compliant, please ask Fang Jie how much she knows about this aspect, give some constructive advice, thank you!

Answer: A typical case of an inner volume First, you should not buy a house with a company shell. Secondly, the company shell to buy a house, normal generally use ordinary limited company. There are very few natural person sole proprietorship companies, and choosing a partial door path will lead to trouble, and industry and commerce, the construction committee, and developers need to check and verify and coordinate with each other. Social life, and there will be countless such things in the future.

Question: Fang sister, have a question to ask, recently in the sale of houses, please ask the homeowner self-recommendation need to write? What do I need to pay attention to? Please advise

Answer: If the house has highlights, you can write on several basic common principles of selling houses: 1. Hang as many intermediaries as possible, from the big intermediaries you know, to the intensively cultivated intermediaries that surround the precinct and the community, including some scattered personal intermediaries, old drivers. Finally, hang the intermediary. It is best to have 2-3 different prices and experiment with different intermediaries. 2. According to the situation, take a group of photos (wide-angle lens), and make the advantages into copywriting and words. 3. The intermediary can release the words first, and there are red envelopes in the transaction privately. Sift through the reactions, find a reliable intermediary, maintain daily tips, and let the intermediary understand your sincerity. Big head red envelope in the deal. Note here that you must not tell the big intermediary that you want to sell urgently. 4. Try to concentrate on a time to look at it, and then find a friend to look at it. When you are there when you are looking at the house, observe the house watcher. 5. If you have friends in the same community, you can hang a relatively high price to help you hold high.

Question: Coordinates Chongqing, currently have 1.1 million in hand, want to buy half of the non-self-occupied investment disk (two suites, 40% down payment, the total price needs to be less than 130), the other half wait and see the second-hand market to buy a marriage house (with a suite to buy, 30% down payment, the total price of about 200), please ask how the investment value of this disk in the new city Langcui, about the demand, is there a recommendation?

Answer: Chongqing to do the first few houses, you can loan 70% of the new city this general First of all, are you indigenous, where do you work? How many bottom positions? A down payment of 110 can buy a benchmark plate that is suitable for self-occupied investment.

Question: Hello Sister Fang, just renewed, very much admire your analysis and judgment of the property, continue to support you! Ask three questions, I hope to get your answer and analyze it: 1. We have a set of phase I 171 square meters southeast facing three bedrooms in the Wind Forest Oasis of Datun Road in Chaoyang District, although it is a phase I Lindatun Road Tunnel, but the apartment type is completely facing the interior of the community, there is no north-facing room, not noisy. In addition, the Wind Forest Oasis may be a single school district corresponding to Chaoyang Outer Chinese Primary School, with a 12-year consistent system, and other communities corresponding to the current Chaowai Primary School may be multi-school. Question: "What are the pros and cons of Wind Forest Oasis?" What is the future? Is it suitable for long-term holding? 2. We have a set of 83 square meters of two-bedroom in Kaiyin New Town, Zhongshan Torch Development Zone, Agile Development, purchased in 2017, when it followed the trend of the deep channel, the purchase price was 10,000, the current unit price was 12,000-1.4 million, and the price did not rise for two or three years. Question: Is there still holding value? 3. In the past year, I am ready to invest in a property, pure investment, and I don't live by myself. 500w up and down, repeatedly read the fang sister about the Tiantong Court top complex of the essence of the paste and related questions of the reply, from the essence of the sticker to now there are more than two years, the price of the Top of the Tiantong Garden almost unchanged. Question: "So what is the way forward?" Is there still investment value? If the top of TiantongYuan is not good, is there any other better recommendation?

Answer: Wind Forest Oasis location, the main large apartment, out of the Datun Road, 1.7 kilometers to the south is the fourth ring road, 2 kilometers to the north is the fifth ring road, 1 kilometer to the west is the Beijing-Tibet Expressway, next to the subway, the traffic is in all directions. The disadvantage is that the mobility of large apartments is general, the problem of facing the street, you see no north-facing room, then this problem can be ignored. There is also the age of the first phase of the house is old, if it is held for more than 7 years, it will slowly become old and broken, and the appreciation may slightly outperform the market. The Deep-Middle Passage is one of the most promising things in Zhongshan, and the bridge will be completed in 2024. Zhongshan ushered in a big bull market in Guangzhou and Shenzhen in 2015 and 2016, but since the introduction of the "purchase restriction" policy in the Zhongshan property market in March 2017, the real estate market has gradually returned to rationality. In the short term, there is no possibility of further rise, and it is recommended to go out. TiantongYuan TopFu is suitable for people with a certain ability to pick bamboo shoots, and the starting price is definitely not the price seen in the market. If there is no good channel for digging bamboo shoots, it is more recommended to choose a new disk with higher certainty, and look at Yizhuang Changying Huilongguan and so on

Question: Sister Fang, I am in Changshu, Jiangsu, and my husband are foreigners, in the local clothing, the family monthly income of about 40,000, now consider buying a house in Changshu, just need a house at the same time hope to have a better appreciation, because of the dog and personal love to plant flowers and grass, so hope to have a house with a courtyard or a large terrace, but this kind of more difficult to find, in line with the location is biased (such as Guli), or more than 10 years of old house, should not adhere to my requirements, or choose the ordinary community, in addition, we are newly married, there are no children at present, Should school districts be taken into account? Which area of Changshu is worth getting started? Development will be better

Answer: Hello, consider the liquidity, it is recommended that you buy ordinary residences, generally with yards and terraces of the drawbacks are more, the most important is the property rights problem, many with yards or terraces are generally high prices, but the area will not be reflected in the property rights, it is difficult to find the receiver in the later stage. At present, no children can not consider the school district, which is a consumer product. Speaking of Changshu housing prices, not only is it higher than Taicang, but even many places in Suzhou are not as good as Changshu. Suzhou has four county-level cities, the economy is the leader in the national county-level cities, Changshu economy ranks second from the bottom among the four county-level cities, but the house price is the first in the real ranking. At present, the new houses in Changshu are mainly distributed in the southern new city, the north of the city, the cultural area and the monk lake, while the old city plates such as the Shimao commercial circle and the Merchants City commercial circle have basically no new houses. The Southern New Town Plate, which belongs to the newly developed plate of Changshu, is located below the old city and adjacent to the Southeast Development Zone, attracting many people who work in the development zone to buy houses. At the beginning, there were no supporting facilities and business circles in this section, but after the first Aeon Mall in Changshu settled here, it instantly attracted a large number of people. The Chengbei Plate belongs to a residential plate that has emerged in Changshu in recent years due to its development to the north. From the location point of view, at the intersection of Changshu's Wanda business district and high-speed rail area, it can be said that both commercial radiation and future traffic dividends can be enjoyed, or quite good, and the house price here is basically about 20,000. Just need to buy a house can consider here Shanghu plate also basically belongs to the level of 20,000 yuan, this plate is located in the Yushan Shanghu Scenic Area, positioning and Shanghai's Dianshan Lake is actually a bit similar, although the real estate is more, but basically the main townhouse, that is, vacation leisure products. Although the house price is more than 20,000, considering that most of them are villa projects, the total price is not low. The Shanghu plate is also about 15 minutes away from the main city, and there is an impression city commercial complex. In the cultural area of Changshu City, the price of new houses currently entering the market has generally reached 20,000 800/㎡. In 2012, Changshu City proposed to build a comprehensive urban cultural area with cultural characteristics that integrates culture, sports, education, business and residence, so Changshu Real Estate basically calls this area a cultural area. Although the economy of Changshu is not bad compared with the county-level cities in the country, it is currently temporarily high, and it is almost impossible to support the existing house prices to maintain a normal level. In general, whether it is just demand or investment, there is a lack of reasons to enter Changshu. For just need, you can choose to settle down or wait for another year of social security. Like Suzhou city just need to concentrate wujiang yundong, low price real estate is only 16,000, 10,000 7, under the purchase restriction, the price probability will not rise sharply, just need to wait for a year and how much difficulty, and why run to Changshu to buy more expensive houses? For investors, investment is to follow the demand, since just need is not very good at buying Changshu, then who will be the recipient of the investment? Can only be a local in Changshu. But the population of Changshu is placed there, the demand is placed there, there is no need to enter Changshu, it is better to consider Suzhou.

Question: Hello Sister Fang! The first question for the newcomer, the first set of first loan, the target just needs two bedrooms, the total down payment is less than 180W, the total price is less than 450W, working near the civil aviation hospital, planning to have children after marriage next year. At present, the houses within this budget range, I looked at Jinyu Taihe Garden, Xinglong Homestead (a few relocated houses), and Lijing Xinju Ganlu Qingyuan houses. Ask the following questions: (1) My thinking is more limited, from your point of view, which is better, Jinyu Taihe Garden or Lijing Xinju? Jinyu Taihe Garden for two limited houses, 13 years of house is relatively new, plus the price after the transfer fee and Lijing Xinju is almost the same, the apartment type is excellent, the disadvantage is that the traffic is not convenient, the doorway road is not convenient; Lijing Xinju 01 commercial housing, the house is older, the apartment type is poor, the advantage is convenient transportation. (2) Jump out of the above 3 neighborhoods, is there any better recommendation? The houses in Dongba's budget are similar to Jinyu TaiheYuan, while the down payment outside the fifth ring road of the Changying house is relatively tight. thank!

Answer: The location of Jinyu TaiheYuan is not good, not recommended, and the new disks on the car are basically premiums, and there is not much quality to speak of. Most of the people on the bus will change houses in the future if they live for a short time, but they only meet the functions of basic residence. These factors determine that the quality of the car plate no one will pay for a long time within 450 It is recommended to pay attention to the following real estate: Lijing Xinju, Chenguang Home, CBD Legend, Xuante, Cool Special Zone Xuan Special Zone, Shifoying Xili, Anyuan Beili, Anhui Dongli, Sizhu Garden, Huixinli.

Question: Hello Fang sister, now living in aerospace, working in Chang'an, with more than a million in hand, want to buy another set of improvement or investment, because it is ordinary, Qujiang, high-tech, aerospace have not shaken, now do not know whether to continue to shake, wait or? Which disks are recommended? It is best to be a brand housing enterprise, preferably a three-room, self-occupied plus investment!

Answer: Buying a house in Xi'an is the norm, to be treated objectively, ordinary qualifications are indeed difficult to shake before, but with the tightening of the bank's qualification review of lenders, there are certain benefits for ordinary qualified buyers, because it will screen a large number of people because of loan qualifications, of course, this project to buy an improved apartment type is a bit of pressure for you, but the three rooms of about 110 are still worth considering; now the project still has Building 1 not pushed, including Ziwei Huafa can also pay attention to it, and the follow-up can be paid attention to. If you do have the intention of buying a house, it is good to make a decisive move! It is only that the commodity attributes of second-hand houses in the future are declining, and there is a certain risk for investors; so personal investment has always recommended that you buy an apartment type within 120 square meters, which can improve liquidity from the product. Another example is the Greentown Ziwei Mansion in the Space City, Shanshui Meishu, the project supporting and the price are good, which is worth paying attention to; the reason why the price of this project is low is mainly due to the low price of the previous soil auction, with the reduction of this land plot, the overall price increase is an inevitable trend. Xi'an investment value of the plate and real estate sharing, see the knowledge planet inside.

The above content is selected from the [Beijing Fangjie] public account | Fan Q&A

Pay attention to the "Beijing Fangjie" WeChat public account, join the knowledge planet "Beijing House Buy" to ask questions, have questions and answers, and guide the whole process of buying a house

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