I am Uncle Guang, a senior real estate investment expert. You meet the late home buying tutor, and currently provide the best solution for buying a house. Uncle Guang is not like other self-media, which makes you confused! Uncle Guang belongs to the practical school and only says the most useful operations and suggestions for you.
Question: Hello Uncle Guang, I am currently working in Zhuhai, in order to work conveniently, I have a set of just-needed housing in Tanzhou, Zhongshan, without loans. Recently saw Guangzhou Nansha canceled the purchase restriction, the price and Zhuhai downtown the old house price is similar, supporting facilities and school districts are better than Zhuhai, 80 kilometers away from Zhuhai, the next 7 years later for children to go to school, want to start Nansha Yuexiu Binhai Juncheng now. Want to ask now 2.3w to start Juncheng is too high? There is a Wan Expressway around, although it is a low floor, I don't know if the noise will have a big impact? Compared with the four disks of Juncheng, Xinyi Huating, Sentosa and Yuexiu Binhai New Town, Uncle Guang feels that the cost performance is the highest?
Answer: Hello, at this stage it is not recommended to start Nansha, Guangzhou development to the east to the south, the current more inclined to Huangpu. Overall, Huangpu belongs to one of the six central districts, and has the upper hand in economic development, rail transit planning, and distance from the central area.
This is also why after the relaxation of purchase restrictions, Huangpu is more gold-absorbing. However, buying a house still depends on the actual demand, if it is a just need customer working in Nansha, it is no problem to buy. However, for people working in the central area, the distance from the central area is the disadvantage of Nansha, which is also the biggest pain point of Nansha's development, and it will take several years to improve.
From this point of view, the investment value of Nansha is not as good as that of Huangpu. Nansha house prices are only supported by planning, and the good cash is too slow. Although the current purchase threshold in Nansha is lower than that of Huangpu, if there is a quota, Huangpu is preferred. Because Tianhe District is the economic center and financial center of Guangzhou, Huangpu stands in the first place to undertake its spillover demand, and the concept is not as close as it is.
Question: Hello Uncle Guang, our situation: Come up with the three-bedroom market price of the Great Luck Galaxy Era 540 ~ 560w, and then add about 250w to change the overseas Chinese incense, but the overseas Chinese incense is too high, and then want to choose the OCT Splendid Garden, do you think the splendid embroidery is worth starting? In addition, in the second half of last year, I started to buy a Fuwai degree house (Jingshang Yashang 39 square meters), when the unit price of the Qinghai Building next door was much cheaper than Jingshang, is it also worth starting? Thank you
Answer: Hello, in the OCT plate The quality of Splendid Garden is not outstanding, and the owners are mostly people who came to Shenzhen in the 80s and 90s to start a business, and the atmosphere at home is better. But the overall rating is not high. The same price point can pay attention to Xiangshanli, the environment, living experience and liquidity are better, and the circle layer is more pure. Consider the degree can start with Jingshang Yayuan, small apartment hanging degree The idea is correct, there is a school blessing, the value preservation ability is good, and the future is good to rent and sell.
Question: Uncle Guang, hello! The first set has the qualification to buy a house, and I want to buy a small square meter one-bedroom or open room in Chaoyang District! There is a down payment of about 150, and I want to combine loans! I have seen Shi'an Homestead, the top level of West Park District 1 and Baoxing before. At present, within 5 years, the rent is the mainstay, and if you want to rent a loan, you may live or change houses after five years, so you want to buy a house with high value preservation, appreciation, and good shot. Would you like to ask if you have a recommendation? Within the third ring road of nancheng, Fangzhuang, Songjiazhuang, Jiaomen, Caoqiao, etc. are also considered. I hope Uncle Guang will point out the mystery! Thank you!
Answer: Hello, Shi'an Home lacks supporting facilities around Wangjing or East Lake Canal, and the quality is generally coupled with its own embarrassing location, not recommended, it is difficult for Baoxing to find the target that meets the requirements. Compared with the recommendation of West Park District 1 I have not recommended a bedroom, in addition, you can dig down the compact two-bedroom public housing in Tuanjie Lake, Ganlu Garden, Jinsong and other places
Question: Uncle Guang, hello, coordinates Nantong, last year began haimen house prices soared, I want to ask haimen this year can still buy? Always felt like the price was inflated. In the long run, which is more suitable to buy in Haimen or Tongzhou District? Or which district of Nantong do you think is the most suitable for purchase?
Answer: Hello, the house price in Haimen is basically about 20,000, the old city is 16,000, and the development zone can reach the business district near the basic 20,000. The opening price of Zhongchuang Zone is high, and the investment cost is extremely large. Nantong has used up the advantages and gimmicks that can be used to push up house prices, and has long since risen to a high level, and now everyone is waiting and watching, and the risk of entering the market is very large, cautious. Self-occupation can be bought, and investment is considered in other strong second-tier provincial capital cities.
Question: Hello, Uncle Guang. Third-tier cities, a suite of 120w, delivered after 2 years, full 92% off, the current deposit of 400w, want to ask the full purchase or loan to buy a house, which is more cost-effective?
Answer: Hello, the choice of full payment or loan to buy a house depends on your own actual situation. There are two aspects to consider, the first is that your expected future income growth rate is at least faster than inflation. Because of the loan to buy a house, you put the repayment into the future, and the future property price must be certain, inflation is equivalent to your repayment of the burden pressure will be smaller, but this is the premise is that your income rises faster than inflation, otherwise, the price rises, your income does not rise or rise slowly, then you cope with the price rise itself to spend more costs, the proportion of the mortgage in your total income has increased, and the degree of pain of repayment is rising. The second is the most critical. You put cash in your hand, and you have the opportunity to reinvest above the mortgage interest. Although the current loan interest rate of 4 is very low, where to find such low-cost financing. But the problem is judging whether it's low or not, not compared to other loans, but to the reinvestment income you take with the money. For example, if you borrow 700,000 yuan, it is equivalent to saving 700,000 cash, and the annual interest of the loan of 700,000 is 28,000, and the 700,000 cash you save in your hand is worth the loan to buy a house if it is used to invest more than 28,000 yuan a year, it is worth the loan to buy a house, otherwise you might as well buy a house in full.
Question: Hello Uncle Guang, I coordinate Hanyang, relatively no pursuit, do not want to invest, just want to replace the improved housing, the husband has a set of premarital Oriental Hawaiian area of about 146 bungalows, want to go out as a down payment (the intermediary also said that this house does not have room to rise recommended to sell) because the work in Zhuankou, so only consider Hanyang and Zhuankou house, the heart is expected to be about 200 square meters of new houses, is there a good recommendation and suggestion?? The family has two children, the eldest is 5 years old, and needs to consider going to school. I have seen Jiadilong Villa in Zhuankou before, but the average price is about 3.1w, almost 500-600w, how about this real estate? Annual income 50w+ bar, the current house in the name of the parents, temporarily do not plan to sell, so may be to change the house to sell the house is not particularly anxious, now sell the house to change the house is appropriate? Any good advice?
Answer: Hello, Jiadilong Villa is not bad for self-living, but this price will stand guard in Zhuankou for a while. If you are considering improvement + school district, it is recommended to be along the Ink Lake, such as China Merchants Park 1872, Wolong, etc., the self-living environment is good, and the school is OK. The appreciation potential is also stronger than the chaokou. Oriental Hawaii can indeed consider a shot, but it is now a light market, it is recommended to wait for the property market to pick up before selling.
Question: Hello Uncle Guang, at present, the family shenyun village three rooms (there is no red book no mortgage) 89 square meters, work Futian, wife Nanshan work, have a two-year-old child, if you replace nanshan equivalent level of commercial housing or Longhua, Futian larger apartment type (degree, traffic is almost the case, whether there is a better choice; or continue to wait and see.
Answer: Hello, Shenyun Village is affordable housing, commercial facilities, degrees are all problems. It is divided by high speed and mountain. Located in Nanshan, but not a popular area and community, the future increase is not very optimistic. The next step to improve the replacement needs to develop a comprehensive area Education and self-occupation, the same price of commercial housing is difficult to buy a good location, if you can appropriately increase the debt, you can pay attention to Nanshan: Nanshan can be roughly divided into the following plates Mangrove Bay, Dachong, Xili, Nantou, Science and Technology Park, Houhai, Shekou, Shenzhen Bay Is expected to buy a total price of about 800-10 million targets, in addition to China Resources City, comprehensive residential attributes, school districts, total prices, the following plates can pay attention to 1, Xili University Town area, advantages \/ room age new, large area, Good living experience. Deficiencies \/ School districts need to be strengthened, there is still a certain distance between commuting 2, Houhai area, advantages \/ Good location, complete surrounding facilities, South Second Outer School District. Less \/ the age of the room is slightly older, the area is small 3, the mountain and sea rhyme in the Shekou area can be concerned, the advantages \/ the age of the house is new, relying on Port-au-Prince, insufficient \/ The surrounding supporting facilities are general, and it still needs 2-3 years to improve The replacement of Futian is more recommended for Xiangmi Lake: Hezheng Xiangmi Original, Shanghri Garden, Cuihai Garden
Question: Uncle Guang, the newcomer asked first, with a bullet 400 in his hand, want to consider a set of houses in Haidian District Century City, to Yongfeng Road, the purpose is to resist inflation, can you recommend a few real estate? Poly Xishan Linyu, Baiwang Jasmine Garden, Yicheng Xishan Huafu, Runqianqiu, Xishan Jinxiufu, Fenglian Villa, Century City from an investment point of view which has the advantage?
Answer: Hello, investment angle recommended Baiwang Jasmine Garden, about 300 meters away from the Northwest Wang subway station, nearby hospitals, banks and other supporting facilities are very mature, the community greening and the rate of getting the house are still good, the apartment type of 2 bedrooms belongs to the north and south transparent, 3 bedrooms double bedroom facing south, south is transparent, the design is still good, the living crowd are nearby Tsinghua Peking University teachers and it white-collar workers, the disadvantage is that there is a landfill nearby, it is rumored that there is a peculiar smell in the summer, I don't know the situation of the current rectification Fenglian Villa can also be concerned, the shortcomings are the same as the Baiwang Jasmine Garden Poly West Mountain Forest Language location is too biased, poor supporting life is inconvenient, the hedging effect is not good Other cost performance is general
Question: Uncle Guang, I see that you are optimistic about Zhengzhou for a long time, the existing bullets about 160 want to invest in two sets, you are optimistic about Jinshui North, Changxi Lake area, from an investment point of view, how much area and apartment type do you recommend to buy, hardcover or rough, new house or second-hand? Can you recommend specific plates and suggest a price range to start with? In addition, the north of the Huiji District Government, the Sunac Dahe Chenyuan plate rough blank about 12,000, the prospect is promising? Thank you!
Answer: Hello, bullet 160 can start with 2 sets of low-cost potential disk long hold, the area is controlled at 90-120 square meters of three rooms is the best, priority second-hand new with hardcover, you can rent it out, reduce part of the repayment cost. For example, the down payment of 40 to 50, many three rings or even within can be considered, as long as the monthly payment problem is not large. Mainly consider the Jinshui District. Changxi Lake temporarily remains in a wait-and-see state! Others like Erqi New Area, High-tech Zone, and Geopolitical Customers can consider. Huiji house prices have shown a downward trend in recent years, and it is not recommended to buy investment in self-occupied housing.
Question: Hello Uncle Guang, guangxi, 27 years old, undergraduate, unmarried girl. His parents were public officials in small counties. Tangled with settling in Chengdu or Guangzhou. There are now two suites in Nanning, but because one suite is off-plan, it takes a year and a half to get a certificate. After selling, there were about 200 bullets. Go to Guangzhou can probably find an annual income of 15-20w work, do you want to choose Guangzhou, Guangzhou house price range? What about Chengdu? It takes about 6 hours to go home in Guangzhou. It's more tangled.
Answer: Hello, Guangxi people prefer Guangzhou to settle. Guangzhou house prices vary greatly between various sectors, and the areas we recommend such as Huangpu Yuzhu Wanbo These plates have a unit price of 3-4w. Bullet 200 is recommended to start a set of Guangzhou + a set of Chengdu, and the remaining bullets are used to repay the monthly supply.
Real estate is destined to only a small number of people can make money, we run in front of most of them, hand in hand to teach you to achieve tens of millions of asset accumulation from 0. Many people left me messages to ask questions, but Uncle Guang's energy was limited and he could not answer them one by one.
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