With the property market adjustment measures more and more stringent, the current housing loan interest rates continue to rise, the threshold of loan to buy a house has become higher. There is a little spare money in the hands of home buyers hesitated, whether it is full money to buy a large house or loans to buy two small houses? Or are some buyers struggling to buy a 150 square meter large house or two 80 square meter small houses?
1、 It varies from person to person
First of all, the whole question of buying a house or buying a house to buy a house has been said many times before. In the future, the depreciation of the RMB will accelerate, and the money in hand will become more and more worthless. Ten months ago, the monthly mortgage loan and the ten month mortgage loan are not a concept at all. For the young people with stable income, it is suggested that if they can get a loan, they will not get the full amount. If they can buy two sets, they will not buy one. After all, they have to plan for their children; If you are old and have limited loans, you are not recommended to buy a house with mortgage loans. From the perspective of reunion, it's better to buy a big house with relatively high living comfort.
2、 It depends on the city
If the city where the buyers are located is a first - and second tier city with good economic development prospects and large population inflow, such as the core area of Beijing, Shanghai, Guangzhou and Shenzhen, it is suggested that families with no money shortage should buy large apartments directly, and ordinary families should buy two small apartments. Most of the 70-80 square meter houses in big cities are elevator houses. It's enough for a family of three to live in. The other one can also be used as an investment. It's stable and fast-growing.
If line 3456 is a small city with poor economic support and serious population loss, it is suggested to buy large houses mainly for self occupied property. You can notice that there are fewer and fewer small houses in some third and fourth tier cities, which shows that the market is more inclined to large houses.
3、 Personal purpose
If it is for the purpose of self living, and is a family with children, it is recommended to choose a large house. A 150 square house can basically meet the housing needs of the vast majority of families, especially for families with children or considering having children or two children. The mobility of family members is large, and 150 square house is more convenient than 80 square house with more than one living room and toilet. If it is a pure investment, you can choose two small houses. Two 80 flat houses are more flexible than one 150 flat house. Especially in big cities with high housing prices, 80 flat houses are just needed. The market demand is large, the value-added space is large, and it's easy to rent those that can't be sold.
In addition, some netizens have considered that the property tax may be levied on the two apartments. Indeed, at present, the tax exemption of the first apartment will not have a great impact, and the risk of buying a suite is small. If it's two sets of 80 square meters, it may pay a lot more taxes than one set of 150 square meters. In a word, buying a house is a big deal for ordinary house buyers. It should be done according to the family conditions such as personal cash flow.