Read the first book to understand investment and financial management

Chapter 35 Real estate investment, building a beautiful living home (2)
45（原价）－［（45×24%（折旧费）＋45×10%（物业管理因素）＋45×3%（楼层因素）＋45×10%（户型因素）＋45×8%（心理因素）］＋［45×15%（名校因素）］＝2780（元／平方米）。整个公式的原理是原价减去不利因素然后加上有利因素得出结果。因此，此房的实际成交价格为14万元整，每平方米为2745元。

Careful evaluation and calculation of housing prices before buying a house will help you judge the real price of the building offered by the real estate company, and buy the most satisfactory building at the most suitable price.

Points to note in the real estate contract
Buying real estate requires signing a real estate contract. Once the contract is signed, it has legal effect and cannot be changed.Out of the consideration of self-interest, the terms of the contract formulated by the seller of the house are biased towards their own interests, so when signing the house purchase contract, they should treat it carefully, read it carefully, and weigh the pros and cons.What should you pay attention to when signing a real estate contract?

[-]. Risk prevention

Both parties to the real estate contract must act in strict accordance with the provisions of the contract, otherwise they will bear the responsibility for breach of contract.Therefore, it is particularly important for house buyers to pay attention to how to prevent fraud when signing a contract.Specific preventive measures should follow two insistences:
(1) Insist on using the new contract template.Because the setting of the new contract model is relatively fair, it can better protect the interests of buyers.

(2) Insist on signing a supplementary agreement.Write down house design changes, supporting facilities and decoration materials, area errors, apportioned parts, time limit for handling property rights, liability for breach of contract and other matters as comprehensively and specifically as possible, so as to avoid unfounded disputes in the future.

Second, the main points that should be paid attention to in the real estate contract

(1) Regarding the location clause of the purchased house.When signing an existing house sales contract, the building number and room number of the purchased building, the schematic diagram of the house in the whole building, the floor plan of the unit, etc. must be stated in the contract or as an attachment.

(2) Terms related to housing area.When signing the purchase contract, the buyer must specify the building area, the components of the building area including the public area, the specific square meters, the square meters of the usable area, and the ratio of the building area to the usable area.

(3) Terms on prices, charges, payment amounts, etc.In a general contract, the price clause should be clear and specific, how much per square meter, and how much the total house payment should be; Buyers have the right to refuse to pay for some unreasonable and unfounded charges, such as the cost of hiring a lawyer for the developer, entrusting an intermediary fee, and bank handling fees.

(4) The quality terms of the housing.Buyers must write the quality requirements into the contract in detail when signing the contract.Such as the decoration standards and grades of bedrooms, kitchens, and bathrooms; the list and grades of building materials; the list of equipment in the house; the smoothness of water, electricity, gas, and pipelines; the defects of doors, windows, and furniture;The quality requirements inside and outside should be involved.At the same time, the contract can also stipulate the shelf life of the house and the shelf life of ancillary equipment.

[-]. Main points of housing sales contract

(1) The building area of ​​the house purchased, the building area of ​​the apartment, the area of ​​land appropriation, the floor height of the house in the apartment, the separation and orientation of the house, the relevant conditions of the whole building where the house is located, the layout of the entire community, supporting facilities, and parking spaces Quantity and parking space rental and sales situation.

(2) The surveying unit and surveying method of the actual measured area of ​​the purchased house.

(3) The construction progress of the purchased house and the implementation of funds.

(4) The house buyer has the right to know whether the prepayment for the house has indeed been used for the construction of the purchased house.

(5) The real estate company should obtain the approval or confirmation of the buyer in advance for the change of the architectural design of the house, otherwise the buyer has the right to check out.

(6) The house buyer has the right to know who is responsible for the quality inspection of the purchased house, and on this premise, clarify the responsibility of the inspector and the legal consequences of improper acceptance.

(7) Set the minimum warranty period and responsible person for the maintenance of the house and various parts.

(8) The real estate company should inform the buyer that the sign of house delivery is the delivery of rights and not just delivery in kind.The buyer has the right to know the process and deadline of the real estate company for the real estate certificate, and set the rights and obligations of both parties accordingly, as well as the corresponding legal liabilities that the real estate company should bear if it fails to complete the real estate certificate on time.

(9) After the house sales contract is signed, the contract should be registered with the Housing Management Bureau immediately.Once registered for the record, it means that the buyer's purchase record will be left in the records of the housing management bureau. The basis for the buyer's rights to the property is the registered contract, which can exclude the third party from exercising the same rights on the house. s right.

Once the real estate contract is signed, it has legal effect and cannot be reversed or changed.Before buying a house, you must carefully read the contract, discuss the terms, and clarify your rights and responsibilities to reduce losses and avoid disputes.

Financial management and loan repayment, house slaves turn themselves into homeowners
The "house slaves" whose housing loans account for more than [-]% of their income have gradually lost their adventurous spirit in the workplace.In order to ensure a stable income to repay their loans, they are afraid of salary cuts, job hopping, and unemployment, which will hinder their career development.

According to the prevailing saying, "house slaves" are people whose monthly payment on loans to buy a house exceeds their normal ability to pay, which leads to a decline in the quality of life and becomes a "slave" of the house.Statistics show that nearly 60% of people buy houses with loans, but some people feel that they have become "house slaves" after taking out loans, and they are under great pressure.

Few people will combine buying a house with their personal career planning. Often when they don’t recognize their career stage, in order to pursue a sense of security, people who buy a house to establish their life direction are most likely to become “house slaves” "Family.This group strives for stability through constant compromise, and often misses some good opportunities for promotion and job-hopping. The pressure of mortgages limits their career development to a certain extent. Unknowingly, these people have also changed from "housing slaves" to "Work slave".

People whose career development direction is not yet clear, who may change jobs at any time, and who don't even know where they will be next, will have a greater risk of buying a house in a hurry.

Banking experts remind home buyers who are burdened with mortgages that the loan interest rate is much higher than that of deposits, and loan interest is a hard expense, so "burdens" actually need more financial management.If expenses can be arranged reasonably, "housing slaves" can also turn themselves into masters and reduce pressure.

[-]. Select the right bank
Compared with other financial products, housing mortgage loans are less risky and more profitable, and have now become a "battlefield for military strategists" among major banks.

In order to compete for mortgage customers, various banks often introduce a series of preferential measures to ease the contradictions.It is worth mentioning that there are large individual differences in housing loan products on the market. Home buyers can choose banks and their housing loan products according to their own needs to reduce the pressure on loan repayment.

[-]. Carry out financial planning

Many people think that there is not much left after deducting the mortgage and daily living expenses from their monthly salary, and they have no other choice but to deposit it in the bank. In fact, if a reasonable financial planning is made on the remaining funds, the pressure on the mortgage can be relieved to a certain extent. alleviated.

For wage earners with a fixed monthly income, investing in some financial products with low risk and higher returns than deposit interest can also reduce the pressure on a lot of mortgages.

Such as RMB wealth management products, money market funds, bond funds, and guaranteed capital funds. It is safer to invest in these wealth management products. Although the yields given are all expected yields and there is no absolute guarantee, the fluctuation range of the yield is actually not Not big, and higher than bank deposit interest.

[-]. Lease transfer pressure

Buying a house is a pleasant thing, but if it reduces your quality of life, wastes living space, and restricts career development, you may choose to rent out your house to relieve the stress.If the funds for self-housing are obviously higher than the rent of ordinary houses, you can consider renting out the house, and exchange a larger space for future life with a temporary sacrifice.

In addition, considering that small families will need to "import additional children", you might as well sell the overwhelmed big house and buy a small apartment that suits you to live in. It may be a practical way to improve the quality of life of the family.

[-]. Buying a house should be combined with career development planning
So what is the right stage of career development to buy a house?How to deal with the relationship between buying a house and career development?
According to the career theory, before the age of 25 is the career exploration period, most of the unstable factors; 25 to 30 years old is the career establishment period, constantly adjust their career positioning in the work; after the age of 30, the career development is basically formed, with a certain career and economic base.For some people whose career development direction is not yet clear, who may change jobs at any time, and do not even know where their next step is, if they make a decision to buy a house in a hurry, the risk will be relatively high.

It is suggested that young people who have not yet bought a house may wish to formulate a detailed personal career development plan first. On this basis, determine a period of clear career development direction and a relatively stable comprehensive state before buying a house. If there is a job-hopping plan in the next few years, you can also Reserve funds in advance according to career planning, thereby avoiding the risk of being unable to repay the loan due to unemployment or job-hopping in the future.

Another situation is that people who have already bought a house and begin to experience "work slave symptoms" due to the unbearable housing loan pressure. At this time, they should make an assessment of this, take career development as a standpoint, and consider clearly what the purpose of buying a house is.The house can only be a by-product of career development, and should not be a stumbling block that restricts career development. If it reduces your quality of life and restricts career development, you may choose to rent out the house to transfer the pressure.

Buying a house should not be an obstacle or burden to personal life and career development. You can adopt a flexible and diverse approach, choose a combination of housing loan + provident fund loan + investment and financial management to buy a house, and at the same time organically combine it with your career planning, so as to jump out of the " House slaves" circle.

(End of this chapter)