Non -couples, no blood, after the 90s, began to find someone to buy a house

According to data from cbndata 2016-2019,

Calculated according to the average disposable income of the city and the average price of second -hand housing,

Young people want to buy a 80 -square -meter rigid house,

Work in Beijing, Shanghai, and Guangzhou requires work

71, 65, 115 years.

"Buying a house" was born.

No blood relationship, no marriage contract, "get on the car",

Is the benefit guarantee? Will there be disputes in real estate?

An interview with the "Fangfang people" in the first -tier and new first -tier cities,

Talk to them about the "joy" and "worry" of buying a house.

Edit: Qin Chu

Responsible editor: Chen Ziwen

Beijing 102㎡ hardcover house, with a total price of 8.7 million;

Buy 2022 and hand in the house in 2025

Beiwu Ringwangchun, Jasmine Garden, Asian Games Village ... It is the only area that can be "fighting" by Xiaobai and I with a map of Beijing.

In fact, there are actually a few areas that can be left in Beijing. We want to go to Haidian to buy a house, but the house prices are not able to reach.

Why did you decide to "buy a house"?

Xiaobai and I are small. From Wuhan to Beijing, it is a veritable "North Drifting". We are all in the Internet industry. We have made some money in our hands for five years, but we still can't afford Beijing's house prices, and we haven't dared to ask for it before. Until the colleagues and friends around us began to buy a house in the past two years.

We found that there are actually many cases of "buying a house" around us. Some of the men and women who do not receive a certificate to fight the house, and some like our friends who have bought a house for more than ten years.

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Jennifer's daily record of Beijing street view

Earlier this year, we watched the Beijing housing market. Compared with the past few years, we were relatively stable. One day was in class. Xiaobai suddenly sent a message: "Would you like to buy a set together?"

There must be concerns. What I am most worried about is: If we have a change in the later period, how can the real estate be dealt with?

If you have any problems, solve it. I searched the Internet and consulted the lawyer and found a key point: if the marriage relationship was actually greater, the risk of buying a house was greater. As long as the house with friends was divided clearly, it could share risks.

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Significant diagram of the apartment model purchased by the two

As a result, in April this year, we launched the plan of "buying a house". With a 3.5 million down payment budget, in Beijing, we started the history of watching a house for 3 months. From April, we have seen June, and the holidays have not fallen.

Go to the North Fifth Ring first. At the beginning, our goal was second -hand housing. I felt that simple decoration can be checked. However, watching second -hand houses is no less than playing "big adventure".

The intermediary takes us to see the strange shape of the second -hand house. The house has edges, sharp horns, trapezoids, and the shape of lobster tentacles; there are basically no lighting, the whole house is dark; another time I went to a second -hand house. , Migrant workers also lived in and down. When we pushed the door in, they just ate noodles on their faces ...

At the end of April, in Wangjing New Town, we finally saw a relatively clean, square house, and even a sun room. The plot ratio of the community was also good. That was the closest to signing the contract. But because of price negotiation, it has been deadlocked.

Later, I heard that the sun room and gift area were built in violation of regulations. If the property interference, the most attractive space in these places needs to be demolished. There is a kind of "after the rest of the life".

At every step of "buying a house", we are very cautious, for fear of being deceived.

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Jennifer's viewing notes

Two months later, Xiaobai and I were a little tired of the second -hand house. We started to change the direction and see the room.

We investigate all the new disk information near the city, and the real estate near Cui Gongzhuang can afford it.

This is completely two experiences when looking at second -hand houses!

The entire sales office is brilliant, with aromatherapy on the desktop of the lobby, and the salesperson takes us to look at the model room with wine cabinets.

Among them, 102 square meters are selling the fastest, less than 100,000/㎡ in this location, and hardcover, the cost performance is extremely high, and it is not necessary to consider whether it is "full five unique" and loan quota (Beijing's new houses can be possible There is no upper limit of 40 % down payment loans, there is a upper limit of second -hand housing loans, 3.03 million inside the five rings, and 2.43 million outside the five ring).

After comprehensive consideration and comparison, Xiaobai and I shot together, 102 square meters, two rooms and one living room, 8.7 million, we "got on the car".

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The two of them last signed a contract to buy a house contract

After setting the house, the two of us started to make money. The cash that could be taken out, the money that could be set out of the fund and stock, the money that could be exchanged from the options, the money that the two parents could borrow ...

Xiaobai is responsible for making public accounts, and both of us can see the money at any time. Our down payment ratio is 4: 6, I am 40 %, Xiaobai is 60 %.

In the end, I made up 1 million and borrowed 200,000 for my parents; Xiaobai made 800,000 and asked his parents to borrow 1.5 million -down payment 3.5 million.

We use a combination of loan to loan 30,000 a month, and began to repay the loan next year. The two of us will prepare a card for loan repayment, and turn money every month. By then, the proportion of repayment of the aggregate agreement between the two parties will be repaid.

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The "House Purchase Agreement" signed by the two

On the real estate certificate, only Xiaobai's name was written, because he had five years of social security and residence permit in Beijing. But I don't worry about the name of the real estate certificate. Before the payment of the payment, we went to consult a friend at the Department of Law Department of Peking University and signed a "Co -purchase Agreement". In the agreement, it clearly stipulates that including house rights, funding, disposal of funds, performance responsibilities, changes to the agreement, change or lifting of agreement. It also stipulates that if one of them wants to deal with the house, if there is no consultation, it will need to pay 200,000 contract damages to the other party. At the same time, it also clarified that after my residence permit is processed, the real estate certificate needs to be added with my name.

On the day when the contract was signed, it was sold to us a 600 yuan Haidilao card. We had never eaten 600 yuan in Haidilao before, and it was very "small citizens". I went in happily that day and couldn't sleep at night.

After buying a house in the house, Xiaobai and I no longer enjoyed it. I started to study how to use various coupons. After all, we will also have a Beijing mortgage person in the future!

Guangzhou 89㎡ hardcover house, with a total price of 980,000;

Buy 2019, hand in 2020

Activated carbon bag, BASF paint, comprehensive toolbox, tatami bed frame ...

This is a variety of soft outfit lists bought by Motto for the "fight" house. It is meticulous to a roll of beautiful pattern paper and a hot melt gun "on the list". Record the purchase date, channel, price. We will put these costs AA on average to our decoration costs.

Thousands of things, such as large electrical appliances bought, will set up AA settlement on the spot. If it is a small item, there will be regular settlement in the table.

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Two people's decoration purchase list

Motto and I have been leased and leased together since college. The 7 or 8 years of renting career has been transferred to large and small rental houses around the workplace. I also want to buy a house, but the salary can never run.

Two or three years ago, one day I saw the concept of "fighting houses" on the Internet. At that time, there were not many relevant information. Motto and I began to study this matter, and he was full of expectations and hesitant. But it has been only staying in the discussion stage without specific plans.

Until 2018, I broke my feet. The life experience made me determined and took the first step to buy a house.

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Meng Meng Rabbit and Motto's current home

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The large and small soft outfits in the home are all added a little bit

At that time, we rented a husband's house without an elevator on the ninth floor. I needed to go to the hospital to change the medicine every week. Every time we need to take a long time from the ninth floor cane and jump up again. Motto carried me for a while.

After lying at home for two months, I felt that I really lived enough second -hand houses and Lao Bo Xiao! After hurting, I and Motto said, "Would you like to try a house? The kind of elevator."

So I and Motto and I "divided into two roads". I was responsible for watching a house on various websites, APPs, and intermediary friends. She was responsible for following the intermediary to understand the favorable policy of buying a house in each region.

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The surrounding environment outside the window

Compared with Beijing, Shanghai, and Shenzhen, the house prices far away from the urban area are not high. Our main goal is the new real estate house.

I started to watch two apartments, but we were not very satisfied with the geographical location, internal structure, etc., and sitting behind the intermediary small electric bottle car on the way back, it was actually a bit discouraged.

The third time to see the house is our home now. The environment, pattern, and house nature meet our standards, so without much hesitation, we set this house. Although it is far from the city, the total price of 89㎡ hardcover is 980,000.

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The two in the living room created a learning and viewing area

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At the same time as the decorative home, the two also became part -time job bloggers

Before signing the contract, we signed a "joint venture house purchase agreement" with a total of four agreements. We and our parents were retained in the hands.

Because I hope to retain the qualifications of the first home loan of my provident fund, under the negotiation, the real estate certificate is agreed to only write the name of Motto, and use her name to loan 700,000.

After the real estate certificate is removed, I will keep it and write the name of MOTTO related to the contact information related to the house, but there is a "bond" between the two parties about the other matters of the house.

We paid a total of 300,000 in the down payment, AA was divided, and one person took 50 %.

3800 mortgages per month, half of them.

We have also established an account for a joint mortgage. We have made money in each month, and the expenses and property expenses of water and electricity costs are also deducted in the card.

Everything spent on the house is data and paper, and "fight" is clear.

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The two will replace the soft outfit of the home according to the seasonal changes

We have no intention of getting married for a short time or in recent years, but we have also discussed in case the marriage: if one of them is married, the other can continue to live, not because one of them is sold out of the house, and treats it as here as a person. It is a "foothold" for yourself.

After all, at this age, we have been wandering outside for so many years. There is a shelter, which is very important.

On the day of the delivery, both of us were dispatched by the family. My husband, mother -in -law, and friend Baozi came together. Her father also opened a video to experience a "cloud delivery" because he couldn't get to the scene.

For "buying a house to buy a house", Baozi and I have always been relatively relaxed, but our parents have always been concerned. At that time, the house signed the contract. We fully obeyed the "greeting" of the personnel of the sales office, swiping, signing, and pressing the handprint ... Nothing hesitated. But my dad and her mother were very nervous, and kept saying "this matter is reliable and unreliable" next to us. Every link was watching and watching. At the beginning, when we proposed to "buy a house to buy a house", my mother was very worried and asked me: "No matter how good your relationship is, it is just a friend. What should I do after forming a family in the future? ? "

And this "fight" house just witnessed us from being single to married.

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The two went to the neighbor's house next door to visit the new house as a reference for future decoration

We are a friend of eight years. After a period of time in college graduation in 2018, I and Baozi and I had their first "small money" in life. Before returning to Chengdu, I worked in Shanghai and started internships in Oriental Satellite TV. In order to save money to rent a house near Line 8, the environment was hard to say. Later, I moved out and rented a single room, and the rent became the biggest overhead at that time.

In January 2019, the idea of ​​buying a house slowly came out. There was a house, and the good or bad was my own. One without paying the rent, no one could let me move.

Considering that there are not many money on my hand, Baozi and I first mentioned the idea of ​​"buying a house to buy a house". The reaction of the bun was not surprised by my imagination.

There are almost no girls around us. Unless the family conditions are good, it is particularly small to buy a house by ourselves. Maybe one thousandth?

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On the day of the signing of a house contract, Ruby sent a circle of friends in a circle of friends

With the idea of ​​trying it, we first watched the house purchase policy of Chengdu. The restrictions on social security for two years made us have no conditions to buy a house, so we decided to go to the apartment real estate to "touch the luck".

The interpreter at the Real Estate Center told us that if both parties were not married, the same sex could buy a house together and the two parties logged in to the real estate certificate at the same time. At that time, we were single, and the matter of "buying a house to buy a house" was settled like this!

The consideration of our house selection is mainly geographical location, and finally a set of apartments located near the University of Science and Technology.

Because the disk is about to buy when buying, we are more lucky. We won the house for 141 square meters. A total of about 370,000 down payment increased taxes, and one person was in his early 180,000. But at the time, I suddenly encountered some of the money. Baozi went to find her father to borrow 100,000 yuan and give me up.

The bun is actually a typical Taurus. The liquidation is very careful in spending money. Even if she is a pro -husband, she also wants to spend more money on her, but when she borrowed these 100,000 yuan, she didn't even let me write it. As the main loan person, I am a common loan, and I have a loan for 10 years. One person is half a mortgage.

Based on mutual trust, there is no notarization and no agreement, we are "getting in the car".

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The units in the purchase contract and the two people signed together

At that time, we thought that this was the only one in our lives. We might marry and get married in the future, but we also bought it with families on both sides. It is not possible to buy a house belonging to our own.

Unexpectedly, from signing to the house, this is three years.

During the three years waiting for the house, Baozi and I met their "other half" and had their own small home.

In 2021, I met my current gentleman. Before talking about marriage, I told him that I had a "fight" house with my friend before marriage, and I needed a 10 -year loan. My husband respects and understands our approach, which also moves me a little.

In fact, when I got married, I also had the worst plan. I did not not be in a notary of property before marriage. In the future, I really encountered a marriage problem, I was willing to sign and give up the house and transfer the house to the buns.

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Ruby left a bouquet to a girlfriend who was about to hold the wedding after his wedding

In October this year, Baozi was about to hold a wedding, and our house was also handed over. On the day of the delivery, Bunzi was so excited that the circle of friends sent by the 19 -year house to sign a contract was re -found out and sent it again. The two of us ran to eat a hot pot, which was particularly hot, but we have been "smirking."

The biggest meaning of "buying a house" to us may be two girls. It is where we can have a set of real estate certificates.

Suggestion of buying a house "Come here"

1. Buying a house to buy a house priority to find the three consensus, understand each other and trust each other. For example, the parents of both parties meet each other, which can strengthen restrictions and reduce certain risks;

2. Do the worst plans and ideas, and analyze whether you have the ability to resist risks.

3. Even if you buy a house in order, do not invest all the funds, and keep part of the mobile funds in your hands to prevent real estate mines.

4. Consider the problems of the first home loan interest rate, down payment ratio, deed tax, purchase qualification and other issues, comprehensively understand the policy of each city's first house and favorable policies before making decisions;

5. Related interest distribution requires signing contracts to determine, including house rights, capital contribution, disposal funds allocation, performance responsibilities, agreement changes or lifting, etc., which are guaranteed by each other;

6. When repaying or down payment transactions, you need to note that the other party's name, ID number, and the use of funds must be noted. It has a legal effect in turn.

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