既然预算有限不如以房换房 | 问答集锦 (1)-乐居买房指南

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class="l "><a href="# ">乐居买房</a>2022-02-10 12:04:24</span> </div> <div class="con "> <p>📍网友欢哥哥</p><p>帮住群主好，我们夫妻在海淀中关村附近工作租房住，有一套全款婚房在房山（大概不到300万），写的是爸妈名字。现在有首套房机会，首付预算只有100万，考虑宝宝以后的上学问题，想在海淀或石景山看看，请问新房或二手房，都有什么推荐？ </p><p>答：首付预算有限，即便贷款能力比较高，最多也只能买280万左右的房子。这样的话，石景山和海淀基本都只有局部一些选择，以北部山后、石景山老城为主，并且越靠近市区，越要压缩住房面积及品质。还有一个方案其实可以考虑，就是把房山的婚房卖掉，提高首付预算，再去市区买房。这样的话，你们的选择范围就打开了。算那套房子卖200多万，买一套六七百万的房子，对你们来说也是比较轻松的。</p><p>遇到难以抉择的问题，有时候换个买房思路也未尝不可。如果房山房子决定卖，提醒您得抓紧了，目前交易周期3个月也很正常。即使是新房，年底跟开发商谈分期也不容易，如果带看不理想，那么需要适当降低咱们的预期。</p><p>📍 网友哪里见过你</p><p>我现有朝阳劲松老破小一套，目前闲置，本来想出租。现在打算卖了去换台湖小户型，请问可行吗？</p><p>答：从租金的角度来讲，肯定还是城区的住宅租金更高，台湖可能是更强，但是租金这一块目前来看还没那么可观。所以就看自己的想法，如果能够接受这样的折腾，从大方向上看还是可行的。</p><p>需要再考虑的一点是，台湖板块内建设了不少自住房、共有产权房，预计能够满足居住需求，买完之后租给谁？卖给谁？是需要斟酌的。话说回来， 400万除了这里，还有东三环、四环一些次新房一居/开间可以选。周期短、租金回报率高，也可以看看。</p><p>📍 网友 miss君</p><p>您好。我和男朋友老家都在石家庄，目前在朝阳租房。等着买房结婚，但要到明年年底才有买房资格，而且首付只有100万，是不是只能去涿州买了？要买的话，有什么好的楼盘推荐吗？万分感谢。</p><p>答：社保问题，环京买房基本都可以解决，况且买涿州的房子，真的可以当婚房吗？这个问题需要考虑清楚，因为毕竟离你们俩的工作地有点远，买了房子也不一定住过去，这就变成了先在涿州囤一套，只是满足结婚有套房子的面子需求。那在老家买还是在涿州买，其实是一样的，没有太大区别。</p><p>除非涿州的房子用得上，比如在房山、大兴上班，那或许是一个选择。如果只是为了买房而买房，意义并不是很大。</p><p>环京可以去看看北三县，比涿州更靠谱。副中心利好带动，加上本身离你们工作区域也更近；另外，100万的首付预算大兴、顺义都有选择的机会，到售楼处咨询下，如果购房资格明年才能拿到，是否有解决方法。如果有，那么北京一定是优于环京的选择，环京里面，涿州是相对靠后的选择。</p><p>📍 网友整整六十天</p><p>青年路附近工作，总价400万预算，请问是买五环外住宅还是朝阳shangzhu？</p><p>答：预算允许的前提下，能买住宅还是买住宅吧。目前北京shangzhu只能看租金收益，价格增值会差很多，真到想换成钱的时候，没什么人接盘。另外，之前问答也为大家分享过，适合shangzhu的朋友大概划分成三类：1、长期持有赚租金的2、买个高品质的房子自住、享受的。以上两类我认识的基本都是50岁左右的长辈。还有一类是家里不缺房，自己买了自住，或者注册公司的年轻人。</p> </div> </div> </div>  <div class="tols"> <a href="https://baike.leju.com/bj-6897422313336386023.html"> <div class="item"> <span>上一篇：</span> <p>【收藏版】“陷阱房”收房，你准备好了吗？收房攻略奉上！</p> </div> </a> <a href="https://baike.leju.com/bj-6899540372058583400.html"> <div class="item"> <span>下一篇：</span> 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href="http://m.leju.com/touch/house/bj/190530/#ln=m_xf_baike_tuijian1"> <div class="imgbox "> <img src="//cdn.leju.com/data_house/V2/build/images/default_m.jpg"> </div> <h2> 中海丽金府 <i>待售</i> </h2> <div class="address "> 丰台 </div> <div class="price "> 售价待定 </div> <div class="tags "> <span class="tag ">住宅</span> <div class="status "> 二环传世大宅，启序豪宅新峯 </div> </div> </a> </div> </li> <li> <div class="houseInfo "> <a href="http://m.leju.com/touch/house/bj/190510/#ln=m_xf_baike_tuijian2"> <div class="imgbox "> <img src="https://ess.leju.com/house/encrypt/mGOPaV2Op5exaovez6pnxK%2Bcw7KB22bFsaSWzdqT2HibdcttYpyffaNpbcyzlH6uoWnRp47NkZShm82TpGeeiK%2BlzINxi4WNh46rmaq0n69neJW%2BaJGa05yf_wmrmZbEbGhsbG5wmpnKyo1hlA%3D%3D_cm120X90.jpeg"> </div> <h2> 中海朝阳ONE <i>待售</i> </h2> <div class="address "> 朝阳<span class="line "></span>建面102~190㎡ </div> <div class="price "> 售价待定 </div> <div class="tags "> <span class="tag ">住宅</span> <div class="status "> 东四环中海临铁TOD奢享大宅 </div> </div> </a> </div> </li> <li> <div 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</div> </div> </a> </div> </li> <li> <div class="houseInfo "> <a href="http://m.leju.com/touch/house/bj/190307/#ln=m_xf_baike_tuijian5"> <div class="imgbox "> <img src="https://ess.leju.com/house/encrypt/mGOPaV2wbpuohpiwz6eZrIKCo6d2mnuZn6TZzq5h1Km7YZugpa6oqKKJeNWsmqikj53GtYawnLh4pqivuIqqp9uh23lzoKqDm5lnx7iUfc2jdq2oapGa05yf_wmrmZbEbGhsbG5wmpnKyo1hlA%3D%3D_cm120X90.jpeg"> </div> <h2> 颐海澐颂 <i>待售</i> </h2> <div class="address "> 海淀<span class="line "></span>建面97~171㎡ </div> <div class="price "> 约<em>93000</em>元/㎡ </div> <div class="tags "> <span class="tag ">住宅</span> <div class="status "> 位于地铁沿线，建华学校旁 </div> </div> </a> </div> </li> </ul>  <div class="sf_public_box ">                                                 <div class="sf_content_statementOut "> <div class="sf_content_statement "> 重要提示：本页面内容，旨在为满足广大用户的信息需求而采集提供，并非广告服务性信息。页面所载内容不代表本网站之观点或意见，仅供用户参考和借鉴，最终以开发商实际公示为准。商品房预售须取得《商品房预售许可证》，用户在购房时需慎重查验开发商的证件信息。本页面所提到房屋面积如无特别标示，均指建筑面积。 </div> </div> <div class="sf_content_crumbs "> <a href="https://baike.leju.com/">乐居百科</a><span class="line"></span><a href="https://baike.leju.com/bj/ask.html">买房问答</a> </div> </div>                                                       </div>                                                                             <div class="sf_footer "> <div class="seoLogo "> <i></i> </div> <div class="channel "> <span><a href="//m.leju.com/house/bj/s/ ">新房</a></span><span><a href="//m.leju.com/touch/esf/bj/ ">二手房</a></span><span><a href="//jiaju.sina.cn/ " rel="nofollow ">家居</a></span><span><a href="http://m.7gz.com/?city=bj " rel="nofollow ">装修</a></span> </div> <div class="nav "> <a href="//m.leju.com/m.leju.com/static_html/license.html " rel="nofollow ">证照资质</a><i></i> <a href="//m.leju.com/set_city.html?mod=index ">网站地图</a><i></i> <a href="//m.leju.com/set_city.html?mod=touch_house_index ">全国新房</a><i></i> <a href="//m.leju.com/house/bj/housesitemap/ ">楼盘地图</a><i></i><a href="//m.leju.com/tools/ ">房贷计算器</a> </div> <div class="ba ">京ICP证B2-20180524号京公安备案11010502039463号</div>  </div>    <script src="//res.leju.com/assets/app/touch/v6/jweixin-1.6.0.js"></script> <script src="//res.leju.com/assets/modules/wxshare/v2/wxshare.js?v2"></script> <script type="text/javascript"> wxShare.init({ title: "既然预算有限不如以房换房 | 问答集锦 (1)", desc: "遇到难以抉择的问题，有时候换个买房思路也未尝不可。如果房山房子决定卖，提醒您得抓紧了，目前交易周期3个月也很正常。即使是新房，年底跟开发商谈分期也不容易，如果带看不理想，那么需要适当降低咱们的预期。", link: "https://baike.leju.com/bj-6897389755303244233.html?xcx=0", imgUrl: "http://res.leju.com/resources/app/touch/news/v1/images/share_logo.png" }); </script> <script type="text/javascript"> var isdirect = "1"; // 是否直营城市 var forbidden_words_status = '1'; //禁词 var pageConf = { baseParam: { city: "bj", id: "6897389755303244233", //新闻id hid: "0", type: "news", zid: "", topcolumn: "新房知识", uid: "0", //用户id author_uid: "0", //乐居号 authorid is_app: "0", user_agent: "browser", back_url: "/circle/www.html", lz_status: "0", //留咨弹窗样式 refer: "0", app: "lejuplatform://buyhousecircle/entry", //APP链接 }, urls: { searchMemberGroup: "//huodong.leju.com/api/searchMemberGroup?sync=1", //获取群号 getNewsHouseCard: "//m.leju.com/m.leju.com/index.php?site=js&ctl=House&act=getNewsHouseCard", //获取楼盘卡片接口 followUser: "//m.leju.com/m.leju.com/index.php?site=js&ctl=users&act=followUser", //乐居号关注或取关 urlCollect: "//m.leju.com/m.leju.com/?site=js&ctl=js&act=get_collect_data&type=zx_xq&city=www&custom_id=6864481631022134676", // 收藏接口 urlCollected: "//m.leju.com/m.leju.com/?site=js&ctl=js&act=if_collect_data&type=zx_xq&city=www&custom_id=6864481631022134676", // 是否收藏 getNewsHids: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getnewshids", //根据批量楼盘获取新闻 getNewsFloat: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getNewsFloat", //取底部浮层信息 getFangshouData: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getfangshouyouxuan&news_type=news&city=www", //取房首标签数据 getCitySpecialData: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getCitySpecial&city=www&type=news", //取城市专题数据 noCheckedLz: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=lzNoChecked&id=6864481631022134676&news_type=news", //手机号留咨 floatLayerData: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=floatLayerData&id=6864481631022134676&city=www&type=news", //取浮层页面数据 xcxWatchInfo: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getXcxWatchInfo&city=www&type=news&id=6864481631022134676", // 小程序围观信息 getXcxUrl: "//m.leju.com/m.leju.com/index.php?site=js&ctl=users&act=getScheme", //获取跳转小程序URL getCloudThemeList: "//m.leju.com/m.leju.com/index.php?site=js&ctl=Topic&act=getCloudThemeList&city=www", // 云主题评测入口 getWxXcxUrl: "//m.leju.com/m.leju.com/index.php?site=js&ctl=index&act=wxxcx_url", //获取小程序链接 getHouseReviewQcorde: "//m.leju.com/m.leju.com/index.php?site=js&ctl=House&act=getHouseReviewQcorde", //评测二维码 getCommunity: "//m.leju.com/m.leju.com/index.php?site=js&ctl=QrCode&act=getCommunity&sync=1&type=4&qrcode=1", //企业微信二维码 getCaiJingUrl: "", //财经活动url getCaiJingImg: "", //财经活动图片 } } </script> <script> //异步统计参数 var tongJiConfig = { city_topic: '#ln=m_news_info_zhuanti', // 城市专题 touch_open_app_click: "data-lejutj-event-name=\"touch_xzapp_click\" data-lejutj-event-params='{\"bid\":\"4\",\"city_en\":\"bj\",\"level1_page\":\"news\",\"level2_page\":\"new_info\",\"custom_id\":\"6897389755303244233\",\"hid\":\"\",\"tel1\":\"\",\"tel2\":\"\",\"loc_source\":\"hengqie\",\"news_source\":\"\",\"news_origin\":\"\",\"is_login\":\"\",\"pagetype\":\"\"}'", //打开APP-横切 } //各种来源数据 var QQBrowser_source = { //1.无优惠和活动的时默认留咨 2.居里咨询师留咨（评论） level_source: "", liuzi_addConsult: "", //置业顾问-动态留咨 liuzi_addDongtai: "", //400电话标识位 phone_400_bs: "8", //订阅功能 subsource: "", //关注 follow_subsource: "", //im localsource: "", //400电话和置业顾问接口传参数是否是eju专题的数据 is_eju: "", } </script> <script type="text/javascript " src="//res.leju.com/scripts/libs/zepto/v1/zepto.js "></script> <script> var apiconfig = { city: "bj", } var pageConfig = {} var comment = {} </script>  <script type="text/javascript" src="//res.leju.com/assets/modules/lejushare/v4/lejushare.js"></script> <script src='//res.leju.com/assets/app/comment-fe/v4/comment.js'></script> <script type="text/javascript" src="//res.leju.com/assets/app/leju-baike/v1/lejubaike.js"></script> <script type="text/javascript" src="//res.leju.com/assets/app/leju-baike/v1/new.js"></script> <script type="text/javascript" src="//cdn-zb.leju.com/js/lejuplayer_2.1.0.min.js"></script> <script type="text/javascript" src="//res.leju.com/assets/modules/cardgroup/v1/cardgroup.js"></script> <script> var swiper1 = new Swiper('#swiper1', { autoplay: 2000, direction: 'horizontal', loop: true, //分页器 pagination: '.swiper-pagination', paginationType: 'bullets', paginationClickable: true, paginationElement: 'a', }); var swiper4 = new Swiper('#swiper4', { slidesPerView: 'auto' }); // var qrcode = new QRCode(document.getElementById("qrcode"), { // width: 140, // height: 140 // }); // let url = 'http://www.runoob.com'; // qrcode.makeCode(url); </script> <script type="text/javascript" src="https://cdn-zb.leju.com/statistics/prod/index.umd.min.js"></script> <script> window.pageDetail = { app_key: '99C71880CF9EBFD3',//见如上说明，必传 sdk_key: '99C71880CF9EBFD3',//见如上说明，必传 loc_province: '',//传页面城市的省份 loc_city: 'bj',//传页面城市，区分城市的页面必传 cityen: 'bj',//传页面cityen值 citypub: 'bj',//传页面citypub值，区分城市的页面必传 uid: '',//传登录用户的乐居用户系统的uid，登录用户必传 custom_id: '6897389755303244233',//传页面custom_id值 long: '',//传页面定位的经度 lat: '',//传页面定位的纬度 }; var new_tongji_config = { page: [ { pageId: 0, pageUrl: window.location.origin + window.location.pathname, isAuto: 1, elementType: ['button', 'img', 'a', 'span', 'em', 'h1', 'h2', 'h3', 'h4', 'i'], defaultElementType: ['button', 'img', 'a', 'span', 'em', 'h1', 'h2', 'h3', 'h4', 'i'], customize: [], }, ], }; window.onload = function () { window.record.init({ app_id: window.pageDetail.app_key, uid: window.pageDetail.uid, dev: 'pre', //测试环境用dev，正式环境用pre config: new_tongji_config, }); }; </script> </body> </html>

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既然预算有限 不如以房换房 | 问答集锦 (1)-乐居买房指南

既然预算有限不如以房换房 | 问答集锦 (1)-乐居买房指南