Borrow money to buy a house
1. If conditions permit, it is cheaper to use housing provident fund loans, not commercial loans.
2. Loans should be made to the best of our ability, and we should budget the maximum risk and whether we can repay it.
Get together to buy a house
This is often the best way for several family members to be husband and wife, to raise money to buy a house without the interest of commercial loans or to pay down as much as possible.
Buy a relatively cheap house -- a suburban house
Choose some suburban houses with convenient transportation and good environment, which can be much cheaper than those in urban areas.
Buy a relatively cheap house -- small house
Choose some small houses, 30-60 square meters or so, and then try to replace the big ones when the economic situation improves.
Buy a relatively cheap house -- buy a second-hand house
Select some second-hand houses that are not too old and convenient for your life and work.
Wait for the opportunity -- rent first, buy later, etc. house price declines
This method needs some experience, that is to say, if the house price is too high, we can wait for the house price to decline, rent first and then buy. The key is to accurately judge the house price at this stage.