My husband and I are both born in the 90s, from Henan, my husband works in the system, got a Shanghai hukou, and we have the qualifications to buy a house.
In mid-2018, we bought a "dilapidated house" in Yangpu District, which was built in 1979. We belong to the state of mind, and compared to the earlier houses, ours is relatively new.
The house is 46 square meters in size, with one bedroom and two living rooms. After having children, the house is too small, which also lays the groundwork for our subsequent replacement.
It was different then and now, in the context of a seller's market, we bought a house very quickly, and the reason was because it was reasonable.
* How appropriate is it? At that time, the landlord was also in a hurry to replace, and took the initiative to reduce the price from the listing price of 2.65 million yuan by 100,000 yuan to 2.55 million yuan, and after the interview, it was reduced by 30,000 yuan, and finally added the intermediary fee and taxes of 100,000 yuan, and the house was considered to start with 2.62 million yuan.
At the time we had only half of the down payment, 35% of the down payment is close to 1 million, we borrowed a part from friends and relatives, and then overdrew the credit card, so we made up the down payment, and the mortgage was 8,000 yuan per month.
Since my husband's unit provides accommodation, we rented out this old and dilapidated house, with a monthly rent of 4,100 yuan, and the rent increased by 3% per year.
Last year, the child began to go to primary school, and when he is older, he has to have an independent space, and his grandmother also helps to take care of the children at home, and the 46-square-meter one-bedroom apartment is really not able to live, which is the reason for our replacement.
We put the house out in May last year. At the beginning, we wanted to hang 3.2 million, but the intermediary said that according to the market at that time, 3.2 million may not be seen, 2.75 million is more appropriate, and before we met a customer, we were given a "dragon slayer knife" by the intermediary, and my mood at that time was difficult to express. Later, we looked at the past transaction price of the community at about 3.1 million, and we directly listed it according to the transaction price.
After four months, the amount of the show is really average, during which we agreed to the intermediary's price reduction proposal, directly reduced by 200,000 to 2.9 million, until September 1, Shanghai introduced the policy of recognizing the house and not recognizing the loan, we were stimulated by the policy, at the beginning we only dared to look at the old broken big and nearly new small, after the policy I think we can rush the new house.
So I want to take advantage of the heat of this wave of policies to decisively reduce the price, and only by selling the old and small ones in my hands first, and then replacing them will not be passive.
By mid-September, the listing price of our house had dropped from 3.2 million to 2.51 million.
The big price reduction was really effective, and finally a customer sat down at the negotiation table with us, and the other party could only give 2.43 million at the beginning, and in the see-saw for seven or eight hours, it was finally sold at 2.45 million yuan lower than the listing price, and it was only in the early 230s.
If you simply calculate from the ** price and the selling price, you lose 70,000 yuan, and if you count the decoration and loan interest of 200,000 yuan?
The old and small ones were sold smoothly, and we were bolder in looking at the house, especially after the introduction of the policy of recognizing the house and not recognising the loan, the original 7 percent down payment became 35 percent, the budget has also increased from 3.5 million to 4.5 million to between 6 million and 7 million. So we looked at the ** from the old dilapidated towers, to the new houses and new houses.
In Shanghai, like our economic strength in general, the family can not support the rigid needs, just change on the car can only be old and small or ambitious new, if the budget exceeds 10 million will consider a new house, but unfortunately we do not.
Buying a house is a bit smoother than selling it.
At the end of October, we paid attention to the second-hand housing trading platform in the community on a new set of 78The listing price of a 6-square-meter house is 6.7 million yuan, and the unit price is only 850,000 square meters, you must know that the unit price of the latest three houses at that time was more than 90,000 square meters. Because the landlord has a mortgage of 2 million that is due soon, the house is selling urgently.
We were eager to buy a house, and directly made an appointment with the landlord, under the pull of the limit, we **6.4 million, after many price reductions, the landlord finally gave in to 65050,000, I only remember that the negotiation lasted from seven o'clock in the afternoon to three or four o'clock in the morning the next day.
But there was a small episode in between.
On December 14, Shanghai issued a new policy on housing loans, and from December 15, the lower limit of the interest rate of the first housing loan was adjusted from the original loan market ** interest rate (LPR) plus 35 basis points to LPR minus 10 basis points; The lower limit of the interest rate for second-home loans has been adjusted from the original LPR plus 105 basis points to LPR plus 30 basis points.
Because the house loan was approved at the end of November and disbursed in early December, the mortgage interest rate is 455%, and the interest rate can be 4 after the new deal1%, that is to say, I can pay 1117 yuan less every month, and my mentality was not good at that time.
However, fortunately, the "dream room" has arrived, which is more important than anything else.
Editor's note. KK's story of selling and buying a house is more typical, and the reason why she can quickly sell the old and dilapidated in the downward market has a lot to do with her decisive price reduction.
When buying a house, KK's positioning is clear and clear, there is a suitable ** still decisive negotiation, they have a greater initiative when buying a house under the buyer's market, and the market downturn also allows her to start the "dream house" with a lower **. Of course, during the period, the policy of recognising the house and not recognising the loan was more timely, which happened to give her more room to choose.
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*: Ding Zuyu commented on the property market.
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Article**: Ding Zuyu commented on the property market