The Money Management Bible for Twenty-Twenty Women

Chapter 24 part
Part 8 In your twenties, be your coolest CFO
Chapter 3 DIY?Life: The millionaire dream is not just a fantasy of the future

The first section of the Benben family can buy a house in 5 years

Women in their twenties, if they have a marriage partner, generally plan to buy a house and get married.Assuming that the two can save 5 yuan a year now, the cash deposit is nearly 1 yuan.Three years later, with 16 yuan in hand, you can consider buying a house.

The requirements for the house should not be too high.It is recommended to use more than 10 yuan as the down payment for buying a house (down payment 3%), mortgage to buy a small apartment, and the monthly mortgage payment should be paid with the income of the two people in the future. It should not be too stressful.

Before buying a house, be sure to pay attention to the following questions:

1.Choose the right time to view the house

Generally speaking, sunny weather is a good time to look at buildings. At this time, you should go to the house you like to have a look. First of all, check whether the house type is reasonable, whether the ventilation is good, how the orientation is, and whether the equipment is neat and easy to use. Consider whether the sunset is very serious. A house with severe sunset will make you almost waste a room in the whole summer.You have to visit it even in rainy days.With regard to municipal facilities, the first is transportation, and then water, electricity, gas, heating, vegetable markets, etc.

2.To learn to compare

If you want to buy a desirable and cheap house, it is essential to shop around.If you buy a house through a real estate agency, you can ask for more listings for comparison. It is best to refer to the first item of each listing to "seeing is believing", and then make a table to compare the pros and cons to find the one that suits you best. Come on that set.If you are looking for a house by yourself, use the Internet and go to professional websites to find more options.

3.To find out the property rights of the house

Don't forget to check some problems of the house before signing the contract.First of all, the seller is required to provide legal documents, including ID card, house ownership certificate, land use right certificate and other documents.Secondly, go to the local real estate management department to check the property rights of the house, including whether there is real property right, whether the items recorded on the property right certificate are true, and whether the house belongs to the real estate that is prohibited from trading. Then the house owner's transaction is invalid.Finally, you need to have a detailed understanding of the real estate you want to buy, such as the repayment period, interest rate, principal and interest of the mortgage loan contract, the rent and lease period in the house lease agreement, etc. Of course, you must judge the authenticity of the ID card.

In addition to buying new houses, you can also buy cheap second-hand houses.Although second-hand goods may sound disgraceful, from the actual situation, it is not impossible for ordinary working-class people who do not want to buy a new house or rent a house.In the past two years, the supply of the second-hand housing market has gradually increased, and the potential market opportunities are huge. Why not give it a try?

Many people are embarrassed to buy a second-hand house for the sake of face, but they also have to take care of their own "interior". If they buy a house, they will not enjoy happiness at all, and they will be nervous to pay off the mortgage. What's the point?

In comparison, buying a house is all about having a stable environment.In this regard, these two types of houses can satisfy you.Just the difference is as follows:

1 The second-hand house is relatively old, and it is difficult to make any renovations, while the new house is relatively new and can be arranged at will.

2 The geographical location of second-hand houses is generally better than that of new houses, especially in big cities. Most of the new houses are in the suburbs, which are relatively far away. Going to work is more troublesome and wastes time and money.

3 You can usually see the specific structure of a second-hand house at the time, but this is not necessarily the case for a new house. Sometimes, when you buy a new house from a developer, it may be very different from what you imagined after it is built.

4 The infrastructure of second-hand houses is relatively complete, and shopping and living are more convenient, while the infrastructure of new houses may not be fully developed.

5 The community members of the second-hand houses are relatively stable, and the public security is relatively good, while there are potential safety hazards around the new houses.

6 The fees for second-hand houses are relatively stable, and the services of the property management are relatively comprehensive. Needless to say, many owners who buy new houses will have conflicts with the property management.

Relevant experts suggest that no matter what your thoughts are, you should proceed from your own economic affordability.If a woman in her twenties does not have sufficient funds at the beginning, she can buy a second-hand house to live in first, as a transition, and then buy a new one after earning enough money.Besides, people who have just started their careers should be able to save more money economically, and be more smart about financial management.

Buying a house, regardless of whether it is second-hand or not, will involve a large sum of money, so it must be considered in the long run.In order not to limit your "financial" power and inhibit your development, you must take long-term and comprehensive considerations in the process of thinking.There is no absolute conclusion on which one is better, and the most important thing is to conform to your own reality.Women in their twenties must not live their lives with other mentalities or even look at other people's eyes!

(End of this chapter)