Many people will consider before buying a house. What kind of house is good? In fact, people of different ages have different needs for houses. A good house in the eyes of others may not be suitable for you. Today, Xiaobian will tell you how people of different ages should buy a house? Look at these suggestions!
Age stage 1: 23 to 30
In fact, 23 to 30 years old are relatively young house buyers. This group of new forces is generally in the stage of no family burden or just establishing a family. They have always been in a state of casual consumption, and more people are willing to spend tomorrow's money to enjoy today's life. They don't have much savings. They may even be moonlight people without savings. If you buy a house, the down payment should be borne by the family.
Suggestions for buying a house:
Generally speaking, the younger the age, the longer the loan period (provided that they have reached the age of 18), so buyers at this age can usually smoothly borrow for 20-30 years. When young people buy a house, they will first choose a new house, and the house type will not choose too large. In addition, convenient transportation is an important reference condition for young people to choose a house. Such a house is easier to give a higher evaluation price, so the loan amount is relatively high.
However, there is also a 'loan credit crisis' in young people's loans. Today's young people are a group with a large number of people using credit cards. It is easy to cause a negative credit record if they do not repay in time after spending money. Therefore, young people had better consider their future economic life when using credit cards and take care of their credit records carefully.
Age stage 2: 30 to 45 years old
Buyers aged 30-45 usually have a house, but they have to consider buying a house again for the reasons of children's school, job transfer and want to improve living conditions. If they have bought a house with a loan, the current policy is obviously unfavorable to them. Because the loan interest rate of the second house will rise by 10%.
Suggestions for buying a house:
As the house purchase groups at this age are basically old and young, when making loans, we should pay particular attention to the reasonable arrangement of family expenses, and do not despise the loan deducted every month. Banks trust these customers because they are in a period of rising career and have strong repayment ability. Of course, these borrowers usually have a certain economic foundation when considering changing houses. When choosing the loan time, it is more flexible.
Age stage 3: 45 to 55
Buyers aged 45-55 have no choice crisis when starting a business, but they are also about to retire and how to settle for their later life. The life of this group of people is relatively stable, but it is also necessary to consider the living expenses of their children before they enter the normal life track. Choosing a house for their children has become one of the biggest expenses of 'middleweight' players.
Suggestions for buying a house:
Age is a major constraint on people's loan at this stage. According to the regulations, the age of loan buyers cannot exceed 65, and lenders belonging to this group are obviously very close to the 'loan bottom line', so banks are more cautious when considering the situation of these borrowers, that is, it will be more difficult to make loans. If people of this age buy a house, Xiaobian still suggests that you choose to buy a house with full payment as far as possible when economic conditions permit.