[摘要] 2015年,政府出台了一系列的政策来救市,与此同时各大房企业相继推出了一系列的优惠活动。可以说在2015年,楼市迎来了近十年佳的时期,同时购房者也迎来了买房“空窗期”。
2015年,政府出台了一系列的政策来救市,与此同时各大房企业相继推出了一系列的优惠活动。可以说在2015年,楼市迎来了近十年佳的时期,同时购房者也迎来了买房“空窗期”。
面对一系列利好政策影响,不少中、低收入者也正在盘算着自己这点工资收入能否贷款买得起房?近日网友致电某房产网咨询:目前我月收入只有4000元,尽管工作了7、8年但是存款也仅有6、7万元,眼看到了结婚的年龄,想买房,但是又怕以这点收入买房之后难以为继,到底买房还是不买呢?不买,又担心房价在政策利好之下房价再次上涨。
月薪多少可以买房?不同的城市房价不同,收入也不同,因此判断月薪多少可以买房,需根据不同城市不同分析,但是有一条规律,如果你的月薪与当地房价持平基本就可以买房。为什么是月薪要与房价持平呢?首先,月薪与房价持平,证明你有足够的还贷能力;其次,近年房价的上涨,证明工资收入也再增加,有买房能力;后,月薪与房价持平,保证了买房日后的基本生活。
比如,北京房价3万元/平米,那么你买房的低月薪必须是不少于3万元;而如果你在湘潭,当前房价是4000元/平米,那么月收入4000即可买房了。当然,如果你收入不足房价,那么适当降低买房标准也是可行的。
但是,月薪与房价持平,买房也是有非常大的局限性,比如面积、区域、地段、房源等等。
首先,买房先凑齐首付
买房可以按揭,以目前的房产政策,首套房低只需要3成,以目前的人均收入,只要不是大吃大喝,奋斗个7、8年,凑集首付是不成问题的。
其次,买房眼光不能太高
收入不高,因此买房时,眼光不要放太高,不要说一定要市区里的房子,比如近市区,甚至是县城都可以的,先把房子买了,等有能力再换房也不晚。
第三,买房面积不能大
在选择户型的时候,一定要注意不要大户型,买不起三房,买个二房也可以,等有条件换大户型。
后,不一定要新房
收入不高,在买房的时候不要把买房锁定在新房,可以看看周边的二手房。有时候二手房比新房更适合刚需购房者。
结语:不管房价有多高,该买房总是要买的,不要期待房价会暴跌,也不要期待一夜暴富,脚踏实地赚钱,量力而行买房,才是刚需购房者的宗旨。
推荐阅读:
RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(85,85,85); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 9pt/26px 宋体; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">衡阳房天下,是RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 14px/26px Arial; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; TEXT-DECORATION: none; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">衡阳房产RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(85,85,85); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 9pt/26px 宋体; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">网中实力强、布局广、资讯全的房地产门户网站。以服务RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 14px/26px Arial; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; TEXT-DECORATION: none; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">衡阳房地产RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(85,85,85); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 9pt/26px 宋体; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">相关行业为宗旨,为用户提供新全的衡阳房产资讯、RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 14px/26px Arial; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; TEXT-DECORATION: none; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">衡阳房价RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(85,85,85); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 9pt/26px 宋体; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">走势、RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 14px/26px Arial; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; TEXT-DECORATION: none; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">衡阳楼盘RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(85,85,85); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 9pt/26px 宋体; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">详情、RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 14px/26px Arial; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; TEXT-DECORATION: none; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; BORDER-LEFT: medium none; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px">衡阳楼市RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(85,85,85); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 9pt/26px 宋体; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">动态、业主论坛等内容。衡阳房天下已成为衡阳用户多、活跃的购房互动平台。
RDER-LEFT-WIDTH: 1pt; BORDER-RIGHT-WIDTH: 1pt; BORDER--COLOR: windowtext; WHITE-SPACE: normal; BORDER-BOTTOM-WIDTH: 1pt; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(85,85,85); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0cm; BORDER-BOTTOM-COLOR: windowtext; TEXT-ALIGN: left; PADDING-: 0cm; FONT: 9pt/26px 宋体; OUTLINE-STYLE: none; PADDING-LEFT: 0cm; MARGIN: 0px; BORDER-RIGHT-COLOR: windowtext; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0cm; BORDER--WIDTH: 1pt; BACKGROUND-COLOR: white; TEXT-INDENT: 28px; BORDER-LEFT-COLOR: windowtext; -webkit-text-stroke-width: 0px">免责声明:凡注明“来源:房天下”的所有文字图片等资料,版权均属房天下所有,转载请注明出处;文章内容仅供参考,不构成投资建议;文中所涉面积,如无特殊说明,均为建筑面积;文中出现的图片仅供参考,以售楼处实际情况为准。