In 2021, I happily bought my first house in Chengdu. At that time, the unit price was about 18,000.
Now, three years have passed......
Today, a house in the same community and the same type was sold at a unit price of 15,000.
It is equivalent to a direct shrinkage of 300,000 yuan in his assets!
The loans repaid in the first three years were all for the bank.
In the past two years, there may be many people like Xiao Y whose net worth has shrunk.
The money earned from working hard for two or three years, I didn't do anything, and I was lost by the house and **.
I feel like I'm working for a bank and A-shares
The house is one of the most important assets in our family, and the planning and configuration of the property is something we must learn.
Buying a house with your eyes closed is tantamount to a big gamble that puts all your net worth on the table.
The proportion of the house in the family's assets
According to the statistics of the Urban Household Wealth Health Report, housing assets account for 77% of China's household assets7%。This is much higher than the 30% to 50% ratio in many Western countries.
From an asset allocation perspective, we can't bet all our money on one asset. After all, "you can't put all your eggs in the same basket". Households with more net worth will be more diversified in their investment methods and will not bet on just one asset.
Too high a proportion of allocation is easy to cause risks, such as when the house price is **, the asset shrinks very quickly.
And a balanced configuration can largely balance out this volatility. For example, the house has fallen, but my equity and ** have risen, and the total assets of the family may not have changed much. That's the beauty of asset allocation.
How to buy a house so as not to step on the pit
The days when you could buy a house with your eyes closed are long gone. Now the property market is extremely differentiated, some of which have risen amazingly, and some of which have plummeted. How can I buy a house that preserves and appreciates its value and avoid being blown up by the property market?
Although there are no absolutes, starting from the following aspects can avoid falling into the pit to the greatest extent.
1) Lot! District! It's still a lot!
Area and location are always the core criteria for measuring real estate.
The location determines the regional resources that the house can enjoy, such as phenomenal businesses such as Chunxi Road and Vientiane City, top school districts such as Wuduo Jinhua, nationally renowned hospitals such as West China, and important industrial parks such as Financial City and Tianfu Third Street.
2) Buy a house with the subway
The reason why the subway is taken out here is because in big cities, the subway is so important.
First of all, having a subway means that the location of the house and the corresponding supporting facilities around it will not be too bad, after all, before the construction of the subway, the current future planning level, population density, industrial facilities, etc. of the subway station must be measured.
Secondly, the subway room is not only convenient for transportation, but also can greatly shorten the cost of commuting. Moreover, subway houses tend to have better liquidity, whether it is transaction volume or transaction**, whether it is the second-hand housing market or the rental market, the subway housing is more competitive in the same area.
3) Developer, property management
In terms of probability, the quality of products developed by large developers with good reputations such as Longfor and China Overseas is relatively more guaranteed.
In the case of off-plan properties, these big developers are less likely to break their funds and are more secure. In the second-hand housing market, in the same lot, the highest is often the real estate of these brand developers.
The quality of the property before delivery depends on the developer. The quality of the real estate after delivery depends on the property.
A good property not only represents a clean and comfortable living environment, considerate additional services, but also a longer life cycle of the house.
Elevators are aging, exterior wall tiles are falling off, greening and pruning, and waterscape cleaning all require a good property operation and maintenance, otherwise you have lived in it for a few years, the exterior wall will be tattered, and the community waterscape will become a stinky ditch.
Therefore, the gap between the property will also be directly reflected in the house price, a good property, may lead to the unit price of the house directly higher than a few thousand yuan.