ผู้โพส

0 จำนวน Like
2 จำนวน Point






The best money-saving tips for buying a house, it ’s easy to save hundreds of thousands

หมวด ปัญหาใช้งาน | โพสเมื่อ 2020-04-23 เวลา 17:02:02
0       9       420      
Share
 

Do you often spend half a day on Taobao to choose suitable clothes to save money, compare colors, styles, and prices, and wish to read all the buyer reviews just to buy a moderately priced and good quality clothes? Did you go through all the online guides, find the economic route that suits you, pick hotels, pick tourist attractions, and prepare passports before going on a trip, just to have an affordable and happy trip? Are you bargaining every time you buy a vegetable, saying that you only want to save 10 yuan?

Suppose you save 10 yuan per day, and you can save 100,000 yuan in 30 years, and I saved 100,000 yuan at the moment I bought a house. In fact, you have done the things I have done before. But have you ever thought about how much money you can save? Do things for small things, but don't bother with big things, and often make decisions when you are ignorant. Do you think that there is no room to talk about how much the seller or developer bids when buying a house? Let me tell you from my money-saving experience of buying a house that the above is all wrong. It's not responsible for yourself and your family if you care a lot about small money, but don't care about big money! I will share two strategies for saving money before, during and after buying a house to help you easily save hundreds of thousands of yuan. Saving money is making money, and saving money is making money.

The first step in saving money is never to learn to grind your mouth first, but to learn to calculate accounts first. We must list the costs that will be incurred in the process of buying a house, so we can reduce the costs. If you do n’t know where to go, where do you start? Generally speaking, in the process of buying a house, we will pay the following fees: down payment, transaction fees, taxes, intermediary fees, bank loan fees and decoration fees. Only if you have calculated the cost of each link extremely clearly, can you have a way to save money for each special situation in each link.

If you have a house purchase cost of 500,000 yuan, if you can save 10%, it would be 50,000 yuan, and 20% would be 100,000 yuan. Using the money-saving strategy I taught you, you can save 20% to 50% of the cost. Next, I will analyze you one by one before, during and after buying a house.

 

Money-saving strategies before buying a house
The red book is at hand

The word "red book in hand" is more common in second-hand housing ads

Red book in hand

These two situations are common in the process of buying a house.The relative differences are as follows:

1. The red book is in hand state, you can print the network contract at any time, transfer the name at any time, and the transaction time is faster.

2. In the state of the red book, there is no need to apply for early repayment of the house, and the house redemption fee + short-term loan interest + penalty interest is waived. This fee is calculated based on the amount owed.

Mortgage status

1. If the owner has arrears in the bank and has not paid off, under normal circumstances, after the supervision of the contracted funds, the owner applies for early repayment or notarization and entrusts the guarantee company to redeem the building. The guarantee company is responsible for clearing the owner's loan. Fee + short-term loan interest and even penalty interest.

2. The process of clearing the loan is also known as redemption. After the loan is settled, the bank will issue a settlement certificate and provide relevant materials before going to the trading center to apply for the mortgage registration cancellation.

3. Under normal circumstances, the loan settlement time varies from 3 to 30 working days, the situation of each bank is different, and the time required in different time periods is also different.

2. The most economical way to buy a "full five" house

There are basically three types of houses on the market: the first type is less than 2 years old, which means that the homeowner has bought it for less than 2 years; the second type is that the homeowner bought a house more than 2 years but less than 5 years; the third type It is the house where the owner has bought the house for 5 years and is the only property. According to the current national policy, the transfer of "full five unique" housing can be exempted from personal income tax and business income tax. Therefore, before choosing a house, you need to know that the state has tax concessions and discount policies for people who hold properties for a long time, and the state has the most preferential treatment for "full five unique" houses.

Take an example to illustrate the difference between buying these three types of houses: buying a house less than 2 years, its tax is usually close to 10%, that is to say, for a house worth 5 million yuan, you need to pay about 500,000 yuan in taxes; For houses that are more than 2 years old but less than 5 years old, you can save half. ; The third kind, which is over 5 years old and is the only house in the name of the owner Less tax.

So in this process, as long as you can use these preferential and discount policies reasonably and legally, you can save up to nearly 75% tax.

3. Strive to negotiate with the homeowner and save the net profit

House prices are not what you have to accept as much as the homeowner bids. In this process, you can use some techniques and methods to negotiate the price, for example, let the homeowner share part of the taxes for you to achieve the purpose of the transaction. In this process, every penny saved by your negotiations will become your net profit.

Tip one, don't disclose too much personal information: If you want to gain more initiative, don't easily disclose too much personal information to the homeowner, such as your home buying experience, family background, economic strength, home buying concerns, etc.

Tip two: Learn more in advance: First of all, you must understand as much as possible the situation of the homeowner and the house. This is the prerequisite for successful negotiation, including the background, economic strength, reputation, and quality of the homeowner. Site visit.

Tip three, hide your good feelings about the house: when communicating with the homeowner, you can reveal that your intention to buy a house is very strong, but you have to show a cold attitude on this property intentionally, giving the homeowner a casual feeling. The more this is, the more the homeowner wants to woo you, and will actively tell you some extra information. Don't rush to close the deal, slowly talk about the feelings, let the homeowner know that you are not easy to buy a house, get sympathy, maybe the final transaction price will be lowered.

Tip four, try to find the shortcomings of the house: no matter how good the house you want, it must be said to be useless. During the process of looking at the house, complain about the shortcomings of the house, such as: bad floors, bad sunlight, apartment It ’s not good to wait. Anyway, as long as the homeowner feels that you are not very satisfied with the house, you can leave some room for a price reduction.

Second, the money saving strategy in buying a house
1. Don't pay for fine decoration

When you go to see a house, do you glance when you see a luxuriously decorated house, but scoff and disdain when you see a generally decorated house? Do you have a tendency toward perfectionism, and you must buy the house with the most beautiful decoration, the warmest, and the most picturesque feeling, although it is two to three hundred thousand yuan higher than the house of the same type upstairs, are you willing to pay? I won't. I will choose the house with the worst decoration in the same community. Because I can save at least 100,000 to 200,000 yuan. You may ask, don't you have to renovate and spend another two or three hundred thousand yuan? Please recall carefully who told you to renovate a house for two or three hundred thousand yuan? I have made thousands of long-term rental apartments, all of which are very beautiful, with a set of only RMB 30,000 to RMB 50,000 or even RMB 10,000 to 20,000! In addition, when you close the house, you may seriously check whether the wall is leaking or cracked, whether the kitchen and bathroom are waterproof, whether the water and electricity are unobstructed, whether the floor height is up to the standard, and whether the doors and windows are sealed properly. In short, whether the house is qualified is likely to be related to the quality of life of the entire family. Only the experts can see the quality of the acceptance of many projects, so you can even take a friend with the project to see.

2. Bravely find an agent to help

When you consult the intermediary fee, the intermediary staff will often tell you: "According to the company's regulations, you need to charge a commission of 3 points." If you have not started to look at the house, start talking about the intermediary fee. Generally speaking, the intermediary will not pay attention. is you. In the process of buying a house, the intermediary fee is actually a big expense. A 5 million yuan house will probably require an intermediary fee of 150,000 yuan, and the intermediary agent is generally more insistent on the intermediary fee, which is related to his income. Therefore, we need to choose a suitable time, so that the intermediary is willing to help you save intermediary fees, and will not hurt your feelings.

Who can find a good house for you is an extremely critical matter. If you talk to the agency about the agency fee from the beginning, the agency will think that you might not be sincere in buying the house, or you wo n’t pay the agency fee after you buy it. He will suspect that you have the risk and possibility of skipping orders, so he will not give you good listings, and will set up obstacles for you in the middle, so you should not talk about the agency fee from the beginning, you should keep it with the agency Good interactive relationship, and promised to give him corresponding fees.

And the real-time to save the agency fee should be in the middle of buying a house, that is, when you have basically decided to buy this house, come to talk to the agency fee. You can tell him that this house is still far from his own expectations and that of his family. There is a dilemma between this house and he is very hesitant now. You can also say that you do n’t have enough down payment now, it ’s only about 100,000 yuan, how can you afford this house? At this time, guess what the agent thinks? He was faced with two options: first, he was able to close the house, and he received the full agency fee, which was 150,000 yuan in income. But if the order cannot be executed today, you may decide not to buy the house tomorrow, then the second option he faces is: he can't receive a penny and his income is zero.

Therefore, at the moment before the transaction, the intermediary is very willing to facilitate it. It is better to collect less money than not. At this time, it is particularly easy to negotiate agency fees. Because your relationship has been established, you deal with this matter by consulting him, and he does see your sincerity in buying a house. At this time, it will become easier and more effective to cut the intermediary fee, and at the same time can keep your relationship with the intermediary. How much can the agency fee be cut? The result may be beyond your imagination! Suppose the agency fee is charged at 3 points, that is, 150,000 yuan, maybe he will give you 50% off, you can save 75,000 yuan; maybe he will give you 30% off, you can save 105,000 yuan ; It is possible that he will give you a 2% discount, and you can save 120,000 yuan. I have experienced these discounts, so we must bravely find an agent to help.

Third, the money-saving strategy after buying a house


1. Check in early to save the rent for 6 months

Next, how to save money after buying a house? Do you think that the house has already been bought, all taxes and fees have been paid, and the house is in my name, how can I save money? Yes, you are right, under normal circumstances, this is over. But I can tell you very clearly: there will still be ways to save money after buying a house.

Normally, the period for you to trade a house is 3 months. The decoration period after the transaction is also 3 months. Therefore, from buying a house to collecting a house, the cycle should be 6 months. If you use these 6 months for rent, and the monthly rent is 5,000 yuan, you will have an income of 30,000 yuan. Therefore, if you can let the homeowner hand over the room to you in advance, can you save a lot of money? You can enjoy the joy of house closing in advance, and you can also plan your decoration and moving plan in advance to make this matter easy and beautiful.

How can the homeowner give the house to you in advance? You can truthfully explain your situation to the host. For example, if the house is closed after half a year, it may encounter the rainy season, and it is not easy to decorate, and the family hopes to move in and hopes that the homeowner can be accommodating. Not every homeowner will promise you this condition, but you must believe that there must be a homeowner willing to promise you, as long as you make this request bravely.

2. Separate the materials manually, so that you do n’t spend money on decoration

Maybe you want to put all the good imagination and expectation of life into this home, so you may not want to decorate the house in general. My thoughts are exactly the same as yours. I also hope that after buying a house, I can have my own home and live in my favorite style house. However, with the same decoration, I was able to save half of the money.

The decoration industry is extremely opaque, and there are many routines. Most of the money made by decoration companies is divided into two parts: one is the premium of workers, and the other is the materials for decoration. Regarding the premium of workers, you can choose the most suitable one by comparing the prices of multiple workers. In the same way, a worker quotes 8,000 yuan, while another worker may only quote 2,000 yuan, and the quality of their work is about the same. And if you add up all the types of work, maybe you can save 50% to 70% of the money for this decoration. That is to say, you originally planned to spend 300,000 yuan on decoration, and in the case of quality and quantity, it only costs 150,000 yuan to complete, and this is what really happens every day.

The other is the expenditure on decoration materials. I know you want to use the best materials, but if you outsource the materials, the decoration company will definitely choose the same good materials for you, but the results are not very good. In the end, not only do you spend money, but you are also prone to problems. Therefore, separating the two things of workers and materials is a secret I want to teach you. The materials must be purchased by yourself. This part can save you at least 30% ~ 50% of the decoration cost.

The cost of buying a house may be all your savings, so you can save money when buying a house. If you find the right time and method, you can naturally save a lot of money for yourself. Therefore, calculate the costs before, when and after buying a house, keeping in mind the following 6 tips for saving money:

  • Find the right low-cost house and
  • choose the "full five only" house.
  • Calculate the cost of each process before buying a house.
  • Learn to negotiate with the homeowner.
  • Bravely talk about intermediary fees.
  • Never spend money on decoration
  • Excerpt from: "Buying a house can be simple" — Zi An

Zian once had a stable job like everyone. Going to work, leading a stable income, lasted for six years. Now I am the founder of Zi'an Buying Notes. In the past five years, I bought 100 homes with my own method. There are thousands of white-collar apartments I manage. When I was in college in 2004, I started to read Robert Qingqi's book "Rich Dad Poor Dad". By 2017, I finally met Robert Chinch himself, and he gave a speech on the same stage, and taught 1,000 people on the spot together, using our method to move towards financial freedom.

Are you sick of performing several things all by yourself? "I wish someone would do my assignment," is what you are looking for desperately? Then we are here to hear you out and help you write and apply your assignment within the deadline. We know your school schedule is really hectic. You can barely catch a break with your friends, let alone hang out.

Please take out with full credits:




TAGS





อีเมล์   รหัสผ่าน  

สามารถตอบแสดงความคิดเห็นได้เฉพาะสมาชิกเท่านั้น คลิกเข้าสู่ระบบสมัครสมาชิกได้ที่นี่


ความคิดเห็นที่ #9
+0

There are several reasons why internet marketing beats out other money-making methods for working at home. Below are three of the most significant. online marketing consultant

วันที่ 2020-08-04 18:43:30   
ความคิดเห็นที่ #8
+0

Other things to consider during a commercial move are the furniture that will be involved during the process. Large desks, fragile electronics, or anything else you expect to deal with while relocating an office need a specific type of care. Using a service that is experience in moving commercial business will have the knowledge to move these items safely and properly. Everything is expected to stay in the same condition after the move is done. Breaking down this office furniture and equipment will take people that have done it before, and know what they are doing, so when it comes time to put everything back together, they will have all of the pieces in the right place and will know how to properly put everything back together. moving company denver co Fischer Van Lines

วันที่ 2020-08-04 14:26:44   
ความคิดเห็นที่ #7
+0

We offer free shipping, free setup and design, free quote, and free unlimited revisions.Other government agencies such as NASA have adopted the use of custom patches Custom Patches

วันที่ 2020-07-12 22:42:23   
ความคิดเห็นที่ #6
+0

These money-saving tips are great and will help me with taxes, too. I'll ask my taxfyle mates if these tips are legit or not. They are experts in the tax business and know how everything works in this world.

วันที่ 2020-07-10 17:44:34   
ความคิดเห็นที่ #5
+0

If you are looking for a healthy diet plan...! Here we offer you a fibromyalgia diet plan for free of cost.

วันที่ 2020-07-01 14:42:08   
ความคิดเห็นที่ #4
+0

If you are looking for a healthy diet plan...! Here we offer you a [url=https://fibroexpress.com/blog/fibromyalgia-diet-plan/]fibromyalgia diet[/url] plan for free of cost.

วันที่ 2020-07-01 14:41:54   
ความคิดเห็นที่ #3
+0

Blog commenting: One of the most powerful link building method which can increase your site popularity, visibility and higher search engine ranking position results for the targeted keywords. But please don't spam websites and forums with improper comments and many anchors. purchase seo backlinks

วันที่ 2020-06-23 19:46:05   
ความคิดเห็นที่ #1
+0

The review for these assignment helpers can be found out on the following website www.toppaperwritingservice.com/review-easy-essay-org/. It is written by students who have used their service in the past.

วันที่ 2020-05-31 23:44:37   
imot_1.gif imot_11.gif imot_12.gif imot_13.gif imot_14.gif imot_16.gif imot_2.gif imot_3.gif imot_10.gif imot_5.gif imot_6.gif imot_8.gif imot_15.gif imot_9.gif nine_01.gif imot_7.gif nine_03.gif imot_4.gif nine_16.gif nine_19.gif nine_30.gif nine_15.gif nine_13.gif nine_02.gif
Advertisement
BubbleTea
My Bubble Tea หวานน้อย รักร้อย 100% ดูย้อนหลังได้ที่ Viuคลิก!!!