Improved room-Change said the price would fall and let it fall.

Xu Jian "Finally the dust settles, for me, compared to these months of toss, the property market regulation is nothing." The price will fall, let it fall, no strength to think.　　"Memories of the property market macro-control under the" Dog Blood "of the swap experience, small Zhang face painful expression. Xiao Zhang from the field to Shanghai for more than 6 years, in order to get married, 4 years ago by parents, in Shanghai Zhabei bought a set of 90 square meters of two rooms.　　With the increase in the age of parents, Xiao Zhang hopes to meet their parents to settle in Shanghai, at the same time, the wedding is close to the problem of inadequate living area. "In fact, last year I wanted to room, but last year, prices soared, I fear that the house sold will be difficult to buy the ideal listings." So the property market regulation one, I knew the opportunity came. For my improved demand, it is the best time to change rooms. "In the face of the new deal, Xiao Zhang insists that the swap is the best time."　　In order to improve their living environment, they even convened a family meeting overnight and set up a house change plan. First of all, Xiao Zhang decided to "change two" to the original house for a large suburb of the new house, and a small huxing second-hand housing source.　　Preliminary idea: A down payment of about 60%, loans 1 million yuan, to ensure that the remaining housing after the sale of the house is enough to buy a one-time payment of small huxing listings.　　Zhang and his fiancee monthly income of about 20,000 yuan, after the estimate, to 75 percent of the preferential rate of loans of 1 million yuan, credit full 30 years, monthly for about 5000 yuan, and will not affect the quality of life to a large extent. "If you buy a flat for a lump sum, I have to rent a house and rent it every month; I choose the latter, at least after the expiration of the auction, I can also rent small huxing to rent and raise loans; If you choose the former, this time the rent paid to go, there is no.　　"Under the initial budget, the large type of house lock in Baoshan gu Cunno and jiading Nanxiang two plates, small huxing house is locked in Minhang Cypress, Xuhui South Station and YANGPU Wujiaochang plate." Second, delaying the date of marriage-because Xiao Zhang has left a loan record in the bank's credit system when he bought the first suite, and if he does, it will be considered a second set, with interest rates being 1.1 times times the benchmark rate.　　Only postpone the wedding date, let the fiancee who never buys the Guo Fang to buy that set of high price for the single name, can enjoy the preferential rate of 75 percent for the first suite. Everything is easy to plan and difficult to carry out.　　Soon, Xiao Zhang ushered in the process of the first setback. "We are very satisfied with the first area of Baoshan village, where the environment is good, buy 147 square meters also send 45 square meters, after the area has 5 rooms, the house is very big, we both like." "Xiao Zhang said, at that time, sales office price 17000 yuan/square meters, the original real estate listing 2.7 million yuan, if the loan, just the remaining 2.5 million yuan, the total price within the plan." "Although we had not sold the house at the opening, we had been trying to borrow money." Who knows, because buy too many people, unexpectedly opened the price! A rise or 1000 yuansquare meters, completely beyond my psychological price. "I wondered at that time, is not macro-control, these to rob the House people seem to not read the news, see the room to buy."　　"Xiao Zhang told reporters, he was very chest tightness, the hands of the house in the intermediary for a few months, was the number of house when the model room" crushed "no one made up; "I can only continue to see the house, but during this time, good luck." Met an urgent need to buy a house, he one-time payment, also do not bargain, only one request, is to us within 10 days to move the room. He took the money to make up the day, I did not dare to decide, the fiancee emergency from the company recall. So the more chaotic life began.　　"On the day of the signing, Xiao Zhang began to look for a house to rent near the unit. September, Xiao Zhang to jiading nanxiang a set of Model room "at first sight". Have to say, ignoring the macro-control of home buyers are similar, the project opened the scene let small Zhang stunned-3000 people together, Rob about 400 sets of housing. Fortunately, after selling the house, Xiao Zhang's luck has been good, he shook the number, and picked a very good floor.　　Transaction price of 18000 yuan/square meters, construction area of about 140 square meters, the total price of 2.52 million yuan, loans 1 million yuan.　　However, seemingly smooth behind, more "dog blood" plot is about to be staged. Then, Xiao Zhang and his fiancee live in rented house every day, handling all kinds of selling houses, buying houses, loans need to handle formalities. At the same time, is still looking for the second small huxing house. "Throughout the Mid-Autumn Festival, I have been looking for a house, excluding the Xuhui, I shuttle every day between the Wujiaochang and Cypress." However, small huxing is very popular, a lot of my fancy house, the next day was made up, even the opportunity to bargain not to me. A set of I have down the deposit, the results can be people robbed! "Xiao Zhang said the house, located in Cypress, building area of about 43 square meters, 3 floor, North-South pass, the landlord bid 830,000 yuan." "At that time it was the most cost-effective house in the whole of cypress, although it is said that the House will have to take a legacy of the process of notarization, it will take about 1 months, but at that time I have been too much trouble to think about it." Who knows, unexpectedly in the landlord before signing, kill a ' cheng Bite gold ', alleged oneself in the notary office ' someone ', more convenient handling the estate notarization formalities, also willing to increase 10,000 yuan, the landlord sold him the house! I really fainted. "Xiao Zhang said, in fact, the final purchase of this set of five corner of the small huxing is not his favorite, but the edge of the mental collapse, only to return to the second, hard-hearted to buy." "This set of houses 40 square meters, called 850,000 yuan, plus after-tax equals 880,000 yuan, than ' love ' that set of expensive, signed the contract that day, the Shanghai version of the property market rules have come out, I don't care, as long as it can be finished, how all. "5 months!" he cried. "In the face of two regulation, Xiao Zhang has been very calm:" In addition to interest rate this matter, the other is not too worriedHeart。 Anyway, I am changing the house, no matter when change, are sold one buy. Now think about it, if this thing dragged to two times after the regulation, the restrictions on the purchase policy, loan tightening and developers to open the time to slow down, the room is smaller and so will affect the replacement process, but will be very passive. ”