Home    Mua nhà Hà Nội trả góp có nên không?

Nhu cầu về nhà ở là luôn cực kì cao nhưng không phải ai cũng có đủ khả năng tài chính để mua gọn một căn nhà. Hiện nay hình thức mua nhà trả góp được nhiều người lựa chọn bởi bạn có thể mua được căn nhà cho mình mà không cần có đủ tiền.

Hàng loạt các khu chung cư mọc lên khiến cho nhu cầu bán nhà Hà Nội ngày một lớn. Để chọn mua được cho mình một căn nhà hợp lý bằng hình thức trả góp thì bạn cần nắm được những kiến thức cơ bản. Hãy cùng chúng tôi tìm hiểu các mua nhà trả góp hiệu quả nhất hiện nay.

Mua nhà trả góp là gì?

Đối với hình thức mua bán nhà đất tại Hà Nội thì tại thời điểm mua nhà bạn không cần phải thanh toán 100% giá trị ngôi nhà. Tuy nhiên bạn sẽ vay 70% giá trị căn nhà từ một ngân hàng hoặc một tổ chức tín dụng nào đó với điều kiện phải thế chấp căn nhà của mình hoặc đảm bảo khoản tiền vay bằng những tài sản khác.

Tùy thuộc vào sự thỏa thuận giữa người vay và người cho vay mà số tiền gốc và tiền lãi sẽ được thanh toán dần theo từng thời gian.

Xem thêm: Tối thiểu cần bao nhiêu tiền để mua được nhà giá rẻ

Có hay không nên mua nhà trả góp?

Căn nhà đối với nhiều người chính là niềm mơ ước thậm chí trong nhiều năm. Rất nhiều người trẻ lựa chọn hình thức trả góp nhưng lại không thể chi trả khoản tiền vay đúng thời hạn cho ngân hàng. Đó là lí do khiến nhiều người cảm thấy băn khoăn.

Điều gì cũng có mặt lợi và mặt hại của nó mà bạn cần hiểu được mới không gặp phải những khó khăn. Thực tế không ít người thành công với phương án mua nhà trả góp. Họ vẫn có thể duy trì được tài chính trong gia đình nhưng đồng thời lại có được căn nhà cho gia đình sinh sống.

Cùng một phương án nhưng lại có người thất bại và có người thành công. Vậy lí do là tại vì đâu? Bạn chỉ có thể thành công trong một công việc nếu như có hoạch định chiến lược cụ thể và thu được kết quả như mong đợi. Để không bị rơi vào tình trạng chới với khi mua bán nhà Hà Nội trả góp thì bạn cần tham khảo những kinh nghiệm, đồng thời tích lũy kiến thức.

Mua nhà trả góp là lựa chọn của nhiều người

Chưa có tiền tích lũy, đừng mua nhà

Gía trị căn nhà mà bạn mua trả góp có tới 70% giá trị vay từ ngân hàng hoặc những tổ chức tín dụng. Vì thế, để có thể duy trì trả nợ được khoản vay thì bạn cần nắm được trong tay ít nhất 30% giá trị căn nhà. Đó là lí do vì sao các chuyên gia tài chính khuyên bạn chỉ nên mua nhà khi sở hữu được ít nhất 30% giá trị căn nhà đó.

Tiền đó cũng phải là tiền của bạn, do bạn sở hữu chứ không phải tiền của gia đình, bạn bè. Bạn chắc chắn sẽ rơi vào tình cảnh lao đao nếu như có quá nhiều khoản nợ.

Hoàn thành khoản nợ trước thời hạn

Nên hoàn thành các khoản nợ trước thời hạn là điều mà các chuyên gia đưa ra cho những người mua nhà trả góp. Lí do của điều này bởi vì bạn càng để nợ lâu thì số lãi bạn phải trả lại càng nhiều. Mặc dù bạn vẫn phải trả thêm khoảng 2-4% khoản phí cho ngân hàng nếu trả nợ trước thời hạn nhưng nó cũng không là gì đối với khoản lãi mà bạn phải trả.

Xem thêm: Có nên mua nhà xây sẵn không?

Cho thuê lại căn nhà đã mua

Đây là cách được nhiều người lựa chọn nếu như bạn chưa đủ khả năng tài chính trả nợ mỗi tháng. Việc cho thuê lại căn nhà mới một khoảng thời gian đầu giúp bạn có tiền trả nợ cho ngân hàng. Trong khoảng thời gian đó, bạn có thể ở cùng với bố mẹ hoặc thuê trọ ở một căn phòng ít tiền hơn.

Để giảm bớt áp lực thì trong 70% số tiền đi vay bạn có thể huy động thêm từ bạn bè, người thân để giảm áp lực vấn đề lãi suất.

Một điều đáng lưu ý dành cho các bạn khi muốn mua nhà đó là nên tận dụng những ưu đãi từ ngân hàng trước khi quyết định vay. Bạn sẽ tự giúp mình giảm được một khoản phí đáng kể nếu như lựa chọn được quà tặng của họ.

Hy vọng những chia sẻ trên đây có thể giúp bạn có thêm kiến thức để lựa chọn cho mình phương án mua nhà hợp lý nhất.

 

 

 

 

 

 

 

 

 

 

 

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