Even if I have bought a house several times, most people do not know how to buy a house correctly in their lifetime!
Editor’s note: This article comes from the WeChat public account “Moduaiguan” (ID: moducaiguan) author: the magic fiscal outlook team.
I found that the self-guest group and the real estate investors have quite different concerns.
What investors value most is: this suite is enough, how about my cash flow, how much leverage can I use for financing, etc.
And the most important thing for these self-occupied home buyers is: try not to make mistakes, and take into account a little investment appreciation.
For the change of market mentality, it is really unexpected. After so many years of market education, the residential property of the house has been recognized and enlarged again.
Today, I will talk to you about some of the values entrusted to the house. Maybe it can give you some inspiration in temperature and core in the hot news news.
01
A few days ago, a fan added me through customer service WeChat and said that he had to consult some questions about buying a house. Her budget is relatively sufficient. According to the investment logic, I suggest that Inner Central buy a new set, but her answer makes me very surprised:
I do n’t like the inner ring. It ’s too noisy and traffic jams. The money can only buy a small set. I want to buy a big house in the outer ring, which is a large flat floor in the outer suburbs that you do n’t recommend, with an oversized balcony. My husband and I gather flowers and plants on the balcony. Children can play games in the large living room.
When I heard this sentence, I was surprised and relieved. From the perspective of the investment of the housing circle, the future value-added of products such as large flats in the outskirts is not impressive, and the audience in the second-hand market is also Relatively limited.
But I can imagine that when she said this sentence, her eyes glowed with excitement. Even through her description, my mind still showed a happy picture of their family in the large flat layer .
Yes, For many people, the house is home, is the place where you are tired from work and go home to express your emotions, especially when you buy the first suite.
The biggest difference from real estate investors like us is that when we buy a house, the purpose is very clear. We use money to replace solid reinforced concrete and value-added commodities. When we buy, we will actuate the future value-added space.
But it is different for most people. Many people may only buy one house in their entire life, and one set will live in the end or even be left to future generations. If there are some conditions, you may choose to replace it with a larger one with better living properties.
For them, the house is not a commodity, it can still be pouredFeelings live in the place.
02
I have said some investment strategies before: for investment, it is recommended to buy second-hand housing, because the standardization and transparency of first-hand housing means there is not much room for bargaining, and in the second-hand market, as long as you practice If you have enough experience, you have the ability to find a shoot below the market price. If you do n’t have enough experience, it does n’t matter. You can choose a consulting team like Moducaiguan.
On the other hand, the reason why the first-hand premium is relative to the second-new house is that there is another point of value increase in the first-home right. First-hand new house = first-home right + second-new. Don’t underestimate the right of first house, it is the coveted pursuit of countless new house cancers.
After all, commodities like houses, everyone does not like someone else to live. But many people don’t realize that the first-home premium is only available in one hand and is the easiest to consume.
The brilliant sales office of the developer, the beautiful sales lady, the beautifully made sand table map, these are the boosters of the first house sales. At this stage, the developer can sell high prices, many Defects in the unit type, total price liquidity, and traffic lines will be ignored at this moment by the hot buyers.
However, when you buy any new house, when you sell it again, there will be no premium for the first house, even if you have never lived in a day.
But in the real market, Xiaobai usually chooses a first-hand house when buying a house, including when I bought the first house.
But for this demand, can we say that it must be wrong? No, because homes and commodities are different. When you think of a house as a home, you do n’t have to think too much about investment factors.
This is also the original message I conveyed to this fan: I am talking about investment in articles and classes, which is a way to make money for you, but you must understand that the house is for you, It is first and foremost a home, a place that carries happiness.
If we spend 10 million yuan to buy a house that rises fast, but we do n’t like it, even if we make money, we wo n’t be happy where we are going, and we may have a lot of conflicts in our family, so we can buy a house in the future It’s too tired to fight family pressure.
Conversely, you bought a house. Although it rises more slowly, it looks like it is vertical and horizontal. It is enough to live comfortably. Because in the same city, there is no difference in the difference between houses and houses, there is always rotation. However, Qianjin is hard to buy, and you just want to make yourself happy.
If you think of the house as a home, the first thing that comes to mind is not the potential sector, not the mainstream product, but where do you go to work, where do your children go to school, and is it convenient for the elderly to seek medical treatment. You must be satisfied with your stay before considering the investment attributes. What you want is a commute to work within 1 hour, children studying at least in the second-line school district, the elderly do not have to be trapped in the house of the street hospital.
The house is home, and this is where everyone starts.
03
Many people think that as a real estate investor with practical experience, what do you most hope for is house prices going up? It’s better to have another double. The Moducaiguan team conveys so much practical dry goods, doesn’t it want other buyers to make money through investment?
Seriously, the Modu Caiguan team is indeed a group of real estate investors, and we hope that fans will follow us to make money through investment.
But you misunderstood a little bit, we do n’t want house prices to soar, and the era of doubling in two or three years is over.
In terms of yield, the most important thing is safety, certainty, or liquidity.
Because we firmly believe that the most valuable is still the first-tier and some strong second-tier, and the market in these cities has a common feature is that the liquidity is relatively poor, ranging from three years to five years of sales, even if Shanghai It is not easy to sell a house with hundreds or tens of millions in a city with no sales restrictions.
Some investors are full of positions. When market liquidity is insufficient, it is actually risky.
Just as many people have asked me recently, the internal and external situation is a bit complicated now. How much cash flow do I have to prepare to be safe.
My answer is very conservative, the more the better, the more you can at least cover your five-year monthly confession.
The madness in the head is not in contradiction with the security in reality. If you have experienced the cruel five years after the 2011 new country’s eight national purchase restrictions and loan restrictions, you will be as good as me. Even if you are optimistic, do not forget to add insurance to yourself.
Cash in hand, do n’t be too sloppy, and do n’t make particularly complex investments. Many people can’t really clean up the difference between wealth and investment.
Do n’t pay too much attention to the rate of return, the key is liquidity and security.
In recent years, the property market in valuable cities has been lacking in liquidity. The rich are the uncles. If you have money and room tickets, it is a great uncle.
04
The recent fragmentation of the market also made me feel very deep. Many of the previously unsalable disks started to blaze. For example, the Lujiazui Splendid Yiting in Shanghai Yuqiao, which opened in 2018, has not sold a set in the past two years. This year, a Jianping Junior High School District was added, and with the improvement of demand, it immediately sold.
The customers who buy a house now are very different from 3 years ago and 5 years ago. I think the demand for pure investment like me has recently begun to weaken.
Many people have been doing this for the past two years. They are no longer buying madly. Instead, they house the house in their hands and replace the weak liquidity of the product.
If you look at it from the point of view of the replacement of ordinary buyers, I would like to remindWhat’s more, the first suite is home, it’s warm, and it’s a place of trust. But if you have two houses, then please remember: the second house should treat it as an asset, because people cannot have two houses at the same time.
From here, the house has become a real estate. At this time it has begun to materialize and is an investment commodity. When you think about it, you should completely abandon the emotional factors and your aesthetic preferences.
When you think of a house as an asset, you must think in the eyes of a pick-up man and think about the buying taste of the most important people in this area. They may be code farmers, small vendors, local demolition and relocation of indigenous people, or they may sell small cities and relocate young people here. In short, you have to give up your own prejudices, you have to forget your love and feelings for a certain house.
At this time, I must suggest that if you know the market and have practical experience, go to the house to buy the bamboo shoots. If you do n’t understand the real estate investment, you must turn to the technology in the “Buying School” of Moducaiguan. For tree play, you can also participate in our offline exchange meetings.
For a house that is regarded as an asset, it is necessary to ensure safety and profitability without making mistakes.
05
In addition to homes and commodities, the house is a life-saving ballast stone. It can be used to save lives at a critical moment, and it can bring you and your family a sense of security. From this perspective, the house is life-saving.
The house is also a mark of life. This is the case of the Chinese. The topic and thinking of the house are always inseparable in life.
We were born in the house, went to school in the house, worked in the house, got married and gave birth in the house, and placed a lifetime in the house. For people like me, the house is still the mark and testimony of my life.
This article is more sentimental, and of course it is also rational. If you treat the house as a home, I sincerely suggest that you should not look at it with emotion anymore, do not blame others, as long as you work hard and work hard, many people can afford the house. If you ca n’t afford the first line, you can buy the second line. You ca n’t afford the second line.
If you take the house as an asset, you have to pay double or even more effort, learn to resist stress, learn to invest, and have a sense of wealth.
If you want to use the house as a life-saving ballast stone, you may need to prepare for a hard time. Many people think that real estate investors live in rent-collecting and smart days, but they are not. Those are demolition households.
What most people do n’t know is that investment is abandoning a lot of material desires and hobbies and using pursuits in a house that can bring a sense of security to yourself and your family.
Like you guys, we do n’t like high housing prices and skyrocketing. What we like is the sense of security brought by struggle.
In a sense, we are allWith fellow travellers, the house is the great wheel carrying us.