Welcome to the column.
In the first two episodes of the show, we discussed with you what houses can buy and what houses cannot be bought. Because obviously, in recent times, many large developers have had the problem of tight capital chain. Especially at the end of the year, many developers are eager to withdraw funds, but unfortunately "golden nine silver ten", this year's September and October there is no gold and silver color, so many cities have developers sell houses at a discount.
Therefore, many ordinary people also feel that this is not a good opportunity to buy a house, especially a cheap house? Although we have always been in the real estate market we are chasing the rise and not chasing down, when the house price began to fall, many people feel that the house price has begun to fall, can it fall more in the future? So I'm going to hold the coin and wait and see for a while.
But some people will think that we have to be greedy when others panic, after all, for big developers, your house is 70% off, 20% off, and then there may not be this space, after this village there is no such shop. So is it possible to buy a house at the end of the year with a discount now, so that you can buy it now and save ten percent or twenty percent of the money than you did a few months ago.
But especially at this time, we are reminding everyone to pay attention to some houses, although this discount is very low, but you have to consider what you bought it for, whether it is worth it or not. I don't know if you have found that in recent times, although there have been cases of real estate developers selling houses at discounts in many cities, some places are still very cruel. A house that sold 20,000 at the beginning of the year may now sell it in its early 10,000s. Is it true that the developer is a price reduction without counting the blood cost, and can we really pick up a big bargain?
You take a closer look at the various special-priced houses launched by the developer, some of which are not high on the floor, some of which are affected by the view of the landscape is not good, in short, they belong to the types of units in the scrap material of the entire building. The type of apartment itself is not very good, this is a possibility, there is a possibility, in many cities the launch of special rooms are often apartment houses, 40 years of property rights of the house. And the real 70-year-old house either has no special house, or the discount on the special house is not very large.
So some friends asked, can we buy this kind of apartment? Why is it that when it comes to price reduction, the discount of apartment buildings is so large? Let's talk about it this way, for many developers and intermediaries, they introduce apartment houses and residential houses, and they will tell you that there has been no difference, that is, a 40-year property right, a 70-year property right. But as we all know, how many years of property rights are not said to be taken away by the state after a certain number of years, not that meaning. Whether it is 40 years or 70 years refers to the right to use land, not the right to use houses.
The house you just have to spend money to buy will always be yours, so a lot of developers will tell you, it doesn't matter, you manage him for 40 years and 70 years. Yes, the apartment house is actually not a big problem in terms of age, so what are the disadvantages of the apartment house? Let's briefly summarize to you, there are at least three aspects of disadvantages, if you feel that these three disadvantages are not a problem for you, then you can buy generously, anyway, you can enjoy a lot of discounts. But if you feel that these three disadvantages are very problematic, be cautious when buying.
First of all, the first is a hydropower problem, what is an apartment house? In fact, his predecessor is the meaning of commercial apartments, as we all know, the use of hydropower in our country, commercial and civilian prices are not the same, the people's family electricity may once a few cents of electricity a few cents fifty cents only, commercial electricity may be expensive a piece of two 1 degrees. Why? We let the people benefit the people, the ordinary people's family life, then we will give some discounts. If you're in business, you're going to have to pay a little more.
Electricity is like this, so is water, so if you buy an apartment, without special instructions, basically you are a commercial hydropower. That is to say, the same house, the same amount, your utility bill may be twice or tripled by others, if you feel that your household is not big anyway, you don't use much water and electricity, you can bear of course no problem.
The second is the problem of transactions, which are two levels, first of all, the first level, many people buy houses and now have loans, no way the house price is too high, often millions of a suite, who has so much cash? But if you buy a residential house, for any bank, basically you can borrow money for 30 years, your down payment may be 20% or 30%, and the interest rate you enjoy is relatively likely to be more favorable. In this way, although a house is millions, his down payment requirements are not so high. Since you have to pay back up to 30 years of money, the monthly repayment amount is not so high, and you can leverage it. If you have more than 1 million in your hand, you can buy a house of 5 million.
But the apartment is not like this, the apartment and the public building is a nature, it is commercial real estate, then commercial real estate in the loan is subject to a lot of restrictions. The first is that the down payment is 50%, you say that for a house of 5 million, you have to pay a down payment of 2.5 million, which scares off a lot of people. Second, the loan term for commercial real estate is also limited, not as long as 30 years, only 10 years. In this case, the same total price, your monthly repayment pressure is very large. So you may be able to afford a residential house for the same amount of money, but you can't afford to buy a commercial house at all.
And when you re-trade commercial real estate, the taxes paid are much higher than the same residential housing, which means that the cost of commercial real estate in the holding and transaction links is much higher than we think. Of course, there is also a problem, that is, the problem of the school district, although the school district house will slowly become less popular, but after all, for the current people, the school district house is still very important. Many parents who are now buying a house are also considering that their children are about to go to school, but we should pay attention to the fact that the policies of many cities across the country are different, and some places directly talk about apartment houses, which are not considered school district houses, and the residential users of this jurisdiction are counted as school district houses, and your children enjoy enrollment qualifications. You, the child of the owner of the commercial real estate or apartment house, does not enjoy this qualification, you have to queue up with others, let the children of the residential owner enroll, and he may get your turn after he has a vacant seat.
In some places, the developer may be able to do the work, and after consultation with the local education committee, the people's education committee recognizes that your apartment owner also enjoys the same rights as the residential owner, and the children can also enroll, but often many places still have regulations that are only enjoyed for the first time, what does it mean? When you buy a new house, when you buy a first-hand house with the developer, the owner's child has the right to enroll, but when you sell the house as a second-hand house, the child of the owner who buys the house does not enjoy this qualification.
Therefore, when buying a house, you must repeatedly confirm this matter, in the end, what is the relationship between your apartment and the school district. Otherwise, you think, when you buy a house, you have a degree, but when you sell a house, no one buys a degree, then can you still sell this house for a price?
It is precisely because of the above three characteristics that there are such strange scenes in many places across the country, what? The price of apartment houses is far lower than that of residences, and some places even appear such a spectacle, the same building developed by the same developer, regardless of the location of the apartment landscape are exactly the same two houses, but for various reasons, the procedures of one building are called residential procedures, and the procedures of this building are called apartment procedures, and the difference between the house prices of the two of them can reach two or three times.
Many apartment owners complain that when they bought a house five years ago and ten years ago, the house might sell for 6,000 square meters, and my apartment may sell for 5,000 square meters. After ten years of development, people's houses have sold for nearly 20,000 yuan, and my apartment is still sold for five or six thousand. Yes, for a decade at all, it didn't go up.
For friends who buy apartments, we must remind everyone that you must have this psychological preparation, and apartments in many places do not rise with the changes in urban housing prices. Let's say so, we want to regulate house prices, but we also know that with the rapid development of China's economy and inflation, house prices must be rising steadily from the perspective of ten years, and in any city around us, I am afraid that house prices have increased by one or two times in the past decade.
So you can imagine ten years ago, people who paid the same money as you to buy the same house, people's house prices rose two or three times, you did not rise at all, what kind of mood are you in? And more critically, the next ten years may still be the same, we talk about housing and not speculation, we say that the main purpose of buying a house is to live, but with a vision of up to 10 years and 20 years, we also have to admit that real estate is the best weapon against inflation.
But for many cities, this must be a residence, and the apartment procedures are likely to be unable to withstand inflation, why is this so? This is also because of the above three reasons, there may be many people in the purchase of second-hand housing to consider, this is the apartment procedures, water and electricity to take a lot, a lot of people who buy second-hand cheap houses is not very good economic situation, then even if there are more than a few hundred dollars a month of water and electricity bills, we also have to calculate.
Similarly, because second-hand apartments must get more than 50% down payment when buying and selling, they can only engage in ten years of loans, which makes many people who do not have enough money in their pockets unable to choose second-hand apartments, so of course, the house price will not go up. The same is true for school district houses, what is the purpose of many people buying school district houses? Can let your children go to school, you this second-hand apartment education committee clearly said, the first time you buy, buy a new house when you have admission qualifications, when you resell the second-hand house owner is not a school district qualification, then you are not a school district house, then how can you sell this thing at a good price?
Therefore, under the action of various factors, the price of apartment houses did not rise, and he slowly became an outcast of the entire market. So that when the developer wants to sell at a discount, often the apartment is the first to be discounted, and the discount is still very large. Of course, this also makes many consumers feel that it is not a cheap way to buy an apartment at a very low price now? Then you think carefully, if the above three disadvantages you feel that there is no problem, then of course you can pick up this bargain, but if you think that the purpose of your house is also to resist inflation, then you really have to think twice.
