Now many girls have a large amount of savings before marriage. Girls with economic mind have bought houses. Is it good for girls to buy houses before marriage? If girls buy houses before marriage, what should be paid attention to?
1、 Can a girl buy a house with a loan before marriage
In fact, Xiaobian's view is: whether to buy a house with a loan, single or married, as long as you can afford it, how to spend money is your freedom. However, if it is a small series, it will buy a house with a loan before marriage for the following reasons:
1. Buying a house is one of the best financial projects
Recently, the stock market has been green. In 2018, many P2P financial scams broke out, and the interest rate of yu'e Bao also fell again and again. Although all kinds of financial giants are advocating that the 'financial storm' is coming, will house prices really plunge high? Personally, I don't think so. Therefore, buying a house is still one of the best financial projects.
2. Buying a house can help us fight better
Even if the house will not rise in the future, if you buy a house and turn your savings into fixed assets, you will work harder and manage money because of the pressure of housing loans. As the saying goes, pressure makes people progress.
3. Own space
With their own house, they have their own independent space and the capital to settle down. Especially for the staff wandering alone in the city, it is a wonderful thing to have their own home in the city.
4. In love and marriage, having a house has more confidence
In fact, women's sense of security needs to be given by themselves, and women also want to get what they want through their own efforts. In this way, they don't have to hurt themselves for a house and whether to add a name to a man's house. To say the least, even if the husband and wife quarrel, at least they have their own place to go.
2、 Girls need to pay attention to these matters when buying a house with a loan before marriage
1. We must do a good job in financial planning
For example, what is the down payment for buying a house? How much is the monthly payment? These have to be calculated in advance. Don't think you can buy a house with a deposit of 200000 and a monthly income of 10000. The current house price may exceed your imagination. Therefore, we must calculate how much money we have and what house we can buy early, otherwise we will find that our down payment is not enough after we look at the house.
2. Where to buy a house?
Some people hear that the local policy is unprecedented good, and outsiders can buy it, so they want to go to this place to buy it; Some people hear that the area is very popular, and they can certainly make money by buying a house, so they want to grab houses.
However, for novices to buy a house, it is best not to fantasize about getting rich by buying a house. Because house prices have risen to a stage, the future is no longer a market that can certainly rise by casually buying suites. In fact, in the final analysis, the house is still used for living, so I suggest that girls can choose to buy it in their hometown or in the city where they work.
3. We should make a house viewing plan
Now that you have decided to buy a house, you should make a good house viewing plan. You should see more and run more a year and a half in advance, especially novices. Don't blindly listen to advertisements and sales calls, and rush to buy the house. Buying a house is a big deal. It's always good to be well prepared.
In general, we should run more local real estate and find some reliable sales. We can't be completely familiar with the trend of the real estate market and the local market in one and a half years, so we can distinguish the routine of real estate sales. But if you look more and compare more, you can refuse to be cheated. In this way, you can also spend your money at ease.