The big chess of the central bank, many people don't understand it?Insiders tell you 3 things to prepare!
Introductory. In general, the role of money in economic activities is to act as a medium of exchange, helping people transfer and save wealth. As an institution that formulates and implements monetary policy, the central bank plays a vital role in macroeconomic operation. Recently, a piece of news about the operation of the central bank has attracted widespread attention:"The central bank injected a net 800 billion yuan into the market through MLF"。This move has sparked heated discussions from all walks of life, but many people do not fully understand its significance and impact. Professionals remind us of three preparation questions to better cope with future changes.
Don't take the shortcut of a low down payment and a high loan.
Nowadays, some intermediaries selling new and second-hand homes attract buyers by lowering down payments and increasing loan amounts in order to meet performance targets. However, the real risk lies in the loan. If you don't have enough down payment, you can choose not to buy or buy a lower property;Borrowing too much can lead to income problems that you will not be able to repay later, which in turn will lead to the loss of your home and down payment. According to the data, in November, the average price of new houses in 100 cities in China was 16,203 yuan square meters, and if the loan ratio is 10% different, the difference will be very large: the interest rate difference may reach 1290,000 yuan, and when the house is auctioned, it will end up being less than 160,000 yuan. Therefore, before buying a house, you should first evaluate your ability to buy a house and avoid loan risks.
Plan your exchange program for the long term.
As China's urbanization accelerates, more and more people need to move. However, in the current real estate market, there is limited demand and insufficient housing**, which makes the process of buying and selling homes difficult. Therefore, home buyers must be prepared and plan not to move in a short period of time. In July of this year, a number of ** reports said"There has been a 30 to 50 percent increase in viewings, with many selling one home to buy another", which means that even people who want to change homes may experience difficulties. In this case, buyers should be rational about their own needs and make long-term plans for changing houses.
Be prepared to deal with fluctuations in house prices.
House price fluctuations are a normal part of the market economy, and homebuyers need to be prepared. While house prices** can save home buyers money, it's crucial to consider the magnitude of the house price**. For example, if the house price is 100,000 before the purchase, the buyer may be satisfied, but if the house price is 50,000 after the purchase, the buyer will be psychologically confused and distressed. Therefore, buyers must make judgments based on their personal circumstances and market trends, choose a reasonable time to buy a house, and be prepared to lose money.
Summary. Buying a home is a game for the vast majority of people. In the process of buying a house, we have to play with real estate developers, agents and ourselves, and the results of our decisions are not necessarily what we expect. Therefore, we need to prepare in advance and respond rationally to market fluctuations and home purchase risks. Whether you've already bought a home or are about to buy one, preparation is essential. Before buying a house, you should carefully evaluate your ability to buy a house to avoid falling into high loan risksAt the same time, it is necessary to rationally plan a long-term house change plan and be psychologically prepared for temporary moving difficultiesFor the fluctuation of housing prices, it is necessary to have a clear understanding and a correct mentality, and be prepared for possible losses. Buying a home is an important decision, and we can't ignore the risks on the spur of the moment.