First, evaluate your own property
Personal assets are assets that you and your family can enjoy for a long time. Personal assets appraisal is mainly used for public rental housing subsidy application, immigration, bank mortgage loan, real estate transaction tax payment, etc. Generally, an asset appraisal company will issue an appraisal report in about 1-3 days.
Assets under personal name include: houses, shops, cars, furniture and collectibles; Current assets: cash, foreign currency, bonds and stocks; Investment assets: residence, gold, jewelry, provident fund.
Second, determine the total price and unit price of the house.
The total price of the house is very important for the buyer, because in the process of buying a house, the house price that the buyer needs to spend is the total price, which is generally the total transaction price of the house, which has complete significance for reflecting the value of the house.
Unit price generally refers to the unit price of a certain apartment and floor, which seems to be only the unit area price of the total price. It can be seen that the economic significance of the total price is clear, especially in reflecting the characteristics of the purchasing power of money and the inseparable transaction of houses, the total price is superior to the unit price.
Third, the family income and expenditure after buying a house
Nowadays, buying a house is basically based on the family, so after you have determined the goal of buying a house, you can calculate the disposable income of the family.
Household disposable income includes household deposits in banks; Realizable assets, such as wealth management products such as stocks and funds that can be cashed out at any time, and real estate that can be listed and traded normally; Short-term loans mainly refer to funds that can be borrowed from relatives and friends; Deposit the provident fund.
Understand the household income and expenditure: in addition to accounting for the current property income of their own houses, buyers should also understand the specific income and expenditure of their families. Family income is mainly from a fixed source every month. If it is a loan, it needs to be repaid every month, so the monthly payment will be a big family expense after buying a house with a loan.