Not every young white-collar worker or other professional person has to use the "six wallets" when buying a house in a big city or wait until the age to start buying the first house in his life, for example: Xiaozhang, a girl whose hometown is in the northeast, bought a commercial house with a market price of 5 million yuan after working in Hangzhou. Xiao Zhang, who was born in 98, is 25 years old this year, which is a lot lower than the recognized "age line for buying a house", and she only used her "one wallet" to buy a "big house" of about 120 square meters in the central city.
How did the post-95 chapter do it?What are the "tips for buying a house" or "tips for buying a house"?It turns out that Xiaozhang is in the "arms" of Hangzhou's two policies, one is the talent policy, and Xiaozhang, who graduated for 3 years, was rated as a class D senior talent in Hangzhou, and received a purchase subsidy of 1 million yuan according to the reward regulations. One is the real estate policy, Hangzhou has developed a form of co-ownership housing between commercial housing and public rental housing in various urban areas, ** and buyers jointly hold property rights, and the share of property rights of high-level talents can be as low as 30%. The "policy effect" made Xiao Zhang, whose dream come true, bought a valuable property in the city.
According to the 30% property rights share, the house of 5 million is only 1.5 million, according to the latest real estate new policy, Xiaozhang only needs to take out 2 percent of the down payment when buying a house for the first time, that is, a down payment of 300,000, and the balance of 700,000 can be used both commercial loans and provident fund loans, if Xiaozhang will use 1 million talent subsidies for "down payment", then theoretically, Xiaozhang only needs to apply for a provident fund loan or commercial loan of 500,000.
The repayment period for a provident loan is 20 years, and the repayment term for a commercial loan is 30 years.
1. Two thousand yuan, the mortgage pressure is small, not counting the savings of 3 years of work, and after a few years of work, Xiaozhang can pay off the mortgage in advance. Xiao Zhang's actual operation is that she took out 750,000 yuan for the down payment and 750,000 yuan for the provident fund loan, and is ready to repay the 1 million yuan of the talent subsidy for the 750,000 yuan provident fund loan, and the remaining 250,000 yuan will be returned to relatives and friends who borrowed her down payment. The story of "Northeast Yaer" using "a wallet" to buy a ** house spread in Hangzhou.
Let's record my city
New Philosophy Column).