When Buying A House, You Can'T Help But Know It.

Let love fall into marriage room, after two regulation of Beijing Shanghai Stock Market housing price Qi Qi

Every agency has countless ways to tell you. House purchase How much money can be saved?

After "eleven", Wang Li returned to Beijing from his home. His identity suddenly changed. There was a red little book in the bag, and the name of the person at hand was turned into a husband.

Back home on the 18 floor, things that have been familiar with for over a year have been covered with a strange color in Wang Li's eyes. The more than 60 flat house was bought more than a year ago. At that time, my boyfriend came to Beijing from Dalian to work. After stabilization, the family came up with a down payment proposal. Two people bought a set first. House 。 "I didn't plan to be a married house. When the house prices changed one day, people began to panic. They wanted to start early." At that time, the price of 12 thousand / square meter house was twenty thousand.

After getting the marriage certificate, they plan to hold the wedding ceremony next year. The mother-in-law told Wang Li to go back to Beijing and go to see the house, and replace it with a bigger house.

Marriage room should be related to red.

Wang Li's house is mainly white, with walls and doors painted white. The biggest cabinet was designed by the husband himself, and many small spaces were separated to display decorations.

"Marriage room", the most desired is decoration. If it is second-hand housing, decoration is more important. She hopes to have some red decorations to foil the festive atmosphere.

Of course, Wang Li hopes to buy a single room. "When decorating, it is easier to unify the style." Second hand housing is OK, but "age" in five years. "In fact, this is not only for the marriage room, for all buyers, we should consider this problem, because the direct involvement of property rights."

Traffic is Wang Li's first consideration: "it's more convenient to be on the side of the subway." Another requirement is better direction.

One Tuesday, Wang Li did not go to the unit and went to the nearby intermediary to consult the house. The intermediary had two houses on her hand and took her to have a look.

"The first set of patterns is too chaotic to see. The second set is relatively good, but the Huxing is not particularly satisfactory. After returning, Wang Li counted, because now has a house, although in the husband's name, but according to the new regulations, after marriage, the house purchased must also be calculated according to two suites. In the two houses in Tiantongyuan, the second set is 1.6 yuan per square meter, the down payment must be 50%, and the monthly repayment is more than 5000. "I do not want to give myself so much pressure." If housing prices exceed thirteen thousand, Wang Li said it could not be accepted.

No one doubts the government's determination to regulate housing prices. Wang Li decided to hold the money and wait. She believes that at the end of the year or at the beginning of the year, there will be a drop in house prices.

After the two regulation, the price of Beijing and Shanghai rose.

Wang Li is watching, but many people have already played.

According to the data of Beijing real estate transaction management network, since the interest rate hike in October 20th, the volume of Beijing housing market has been rising.

In September, the volume of second-hand housing in Beijing has reached a record high. In October, the volume of second-hand housing was 20011 units, a decrease of 24.24%. In November, the volume of second-hand housing in Beijing reached 22906 units, rising by 14.5%.

From the price point of view, the average price of second-hand housing transactions in Beijing in October was 11920 yuan / square meter, the ring fell slightly compared with September. In October, in the volume of housing net sign, less than 600 thousand of the small units to lead the market, whether the number of new releases or the number of transactions ranked first. From the regional perspective, Chaoyang District has the highest number of transactions, while Changping follows closely.

In November, the market in Shanghai was relatively cold compared with Beijing. According to the data of Shanghai real estate transaction service network, Shanghai last month sold 15881 residential units. From mid November to December 1st, the average price of residential buildings within the inner ring of Shanghai was 44490 yuan, the average price between the inner and outer ring was close to 20000 yuan, and the average price outside the outer ring was 11288 yuan.

As of October, the average price of Guangzhou's first hand housing is 12187 yuan, and the average price of second-hand housing is 5249 yuan. As for October, the average price of a single hand room is 15072 yuan, and the average price of second-hand housing is 5528 yuan.

According to the market report of sun Jiayuan, Guangzhou market showed a structural rise in October, no matter from the transaction volume or the average price. In October, Guangzhou's Yishoufang trading area was 537 thousand and 200 square meters, an increase of 14.7%, the average price was 15072 yuan, up 29.8%. {page_break}

When buying a house, you can't help but know it.

Every agency has countless ways to tell you how much you can save for your purchase.

When Wang Li went to see the room, he encountered the same situation. According to the new deal, the two sets of mortgage loans go up 1.1 times the benchmark interest rate, but some intermediaries assured her that interest rates could be benchmarked at the beginning of next year.

When she bought the first house with her husband, the Agency offered another way to save money. That is to say, we should lower housing prices at the time of assessment so as to pay less taxes. Wang Li's house at that time was ten thousand 21 square, the intermediary will evaluate the price to achieve more than 8000, but at that time, the deed tax itself had preferential policies. Finally, Wang Li paid less than a few hundred dollars.

The second-hand housing tax is not determined according to the transaction price, but is paid according to the assessed price. Therefore, the signing of two sets of contracts has become a common practice of intermediaries. A contract is the actual price, and the other contract is lower than the actual price. It is shown at the time of tax payment. Since October, the preferential tax policy for state deed has been tightened, which stipulates that the tax deduction and exemption must satisfy the "family only housing" condition. The deed tax for the two suite is now collected according to 3%.

Under the increasingly stringent housing policy, there are more and more "countermeasures" for the two suites' down payment. In order to make more loans, some intermediaries also offered to sign a contract with a higher price than the real price so as to win a higher loan amount to the bank. But at the same time, intermediaries also point out that this method must rely on strong banking resources, and some intermediaries can give banks some benefits to achieve this goal.

Insurance has also become a new loophole. When buying a loan, most banks have to purchase "personal mortgage housing insurance" at the same time. In the long term of loan repayment period, if there are variables, banks can get insurance claims accordingly, and borrowers can also save property after they are out of danger. Some intermediaries in Guangzhou suggest that they can reduce premiums through their business.