Many people who plan to buy a house will be confused. How much money should be prepared? Is there enough money on hand? How much more needs to be borrowed? In fact, buying a house can not only focus on the house price, but also the expenditure of property, tax and other related items can not be missed. The following six points can be taken as the key consideration of the purchase budget.
1、 Reference land price level
In the price of commercial housing, land price accounts for a large proportion. The value of a house depends on the level of its location. For example, the higher the land price of the developed area, the lower the price of the developed area. When you plan to buy commercial housing, you can refer to the land price level of different regions, and choose a house in a certain region according to your own financial strength.
2、 Select housing area
After confirming the location of the house, the next step is to compare the area, type and floor of the house purchased. One square meter of commercial housing is tens of thousands of yuan, so every square meter should be calculated carefully. According to the number of family population, housing use function and financial strength to choose. No matter what kind of house you choose, the total building area of the house should be preset.
3、 Understand property expenditure
Once the commercial house is sold, the buyer will start to bear all the expenses of the house, such as repair, water and electricity heating, elevator, security and other expenses. If these expenses are not considered enough, they will face embarrassment when buying the house. At the beginning of this project, it will cost hundreds or even thousands of yuan per month. The charging standards in different regions are different. It is necessary to know the details before buying a house.
4、 Consider the ability to repay the loan
The savings in hand determine the amount of down payment, but the monthly supply after buying a house is also a difficult task every month. We should plan rationally according to our own economic strength. The relationship between down payment and loan is one of the changes. If we want to reduce the pressure of repayment, we should try our best to increase the proportion of down payment. On the contrary, the lower the proportion of down payment, the greater the pressure of repayment in the future.
5、 Calculation of decoration cost
Decoration and appropriate housing maintenance money must also be taken into account. In addition, the necessary living facilities also have some initial installation costs, such as the opening of pipeline gas, cable TV, broadband network, etc. The purchase of new furniture, home appliances and decoration costs should also be considered.
6、 Various taxes for purchase
The payment of taxes accounts for a considerable proportion in the purchase of real estate, among which several important taxes are deed tax