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_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率还在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上浮，_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>成本_blank class=infotextkey>get=_blank class=infotextkey>也在增加，赌_blank class=infotextkey>get=_blank class=infotextkey>市场_blank class=infotextkey>get=_blank class=infotextkey>变化的话，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间_blank class=infotextkey>get=_blank class=infotextkey>成本和_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>成本都较_blank class=infotextkey>get=_blank class=infotextkey>高，_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>人承受_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不起。
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_blank class=infotextkey>get=_blank class=infotextkey>10、_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房，堵得是_blank class=infotextkey>get=_blank class=infotextkey>未来_blank class=infotextkey>get=_blank class=infotextkey>城市的_blank class=infotextkey>get=_blank class=infotextkey>发展。
_blank class=infotextkey>11、一_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定要注_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>get=_blank class=infotextkey>自己的实际_blank class=infotextkey>get=_blank class=infotextkey>需求，_blank class=infotextkey>get=_blank class=infotextkey>考虑_blank class=infotextkey>get=_blank class=infotextkey>太_blank class=infotextkey>get=_blank class=infotextkey>多，反而错过。
_blank class=infotextkey>最后，我想强调一点，_blank class=infotextkey>get=_blank class=infotextkey>就是_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房一_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定要_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>自己的主见，买_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>自己_blank class=infotextkey>get=_blank class=infotextkey>决_blank class=infotextkey>定，买_blank class=infotextkey>get=_blank class=infotextkey>什么样的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子_blank class=infotextkey>get=_blank class=infotextkey>可以找_blank class=infotextkey>get=_blank class=infotextkey>专业_blank class=infotextkey>get=_blank class=infotextkey>人士咨询咨询，看到_blank class=infotextkey>get=_blank class=infotextkey>好的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子就赶紧入手，早买早_blank class=infotextkey>放心，抓_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>这个_blank class=infotextkey>历史_blank class=infotextkey>get=_blank class=infotextkey>机遇，_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>又要奋斗好几年。
相关_blank class=infotextkey>get=_blank class=infotextkey>问答：
问：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中产阶级该_blank class=infotextkey>get=_blank class=infotextkey>如何_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房？
答：_blank class=infotextkey>近_blank class=infotextkey>get=_blank class=infotextkey>年来，_blank class=infotextkey>get=_blank class=infotextkey>关于_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中产阶级为_blank class=infotextkey>get=_blank class=infotextkey>危机的_blank class=infotextkey>get=_blank class=infotextkey>话题_blank class=infotextkey>get=_blank class=infotextkey>异_blank class=infotextkey>get=_blank class=infotextkey>常火热，_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少受过_blank class=infotextkey>get=_blank class=infotextkey>良好_blank class=infotextkey>get=_blank class=infotextkey>教育、_blank class=infotextkey>get=_blank class=infotextkey>目前_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入也尚可的_blank class=infotextkey>get=_blank class=infotextkey>人群纷纷_blank class=infotextkey>get=_blank class=infotextkey>吐槽_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价太_blank class=infotextkey>get=_blank class=infotextkey>高、_blank class=infotextkey>get=_blank class=infotextkey>财富_blank class=infotextkey>不稳、_blank class=infotextkey>get=_blank class=infotextkey>子女_blank class=infotextkey>get=_blank class=infotextkey>教育难……月入_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元的_blank class=infotextkey>get=_blank class=infotextkey>家庭_blank class=infotextkey>get=_blank class=infotextkey>如何_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>其实还_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>真的_blank class=infotextkey>get=_blank class=infotextkey>需要精打细算。
一、_blank class=infotextkey>定位很关键
_blank class=infotextkey>get=_blank class=infotextkey>理财_blank class=infotextkey>get=_blank class=infotextkey>专家指出，月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>5000元的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中产阶级看似_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>有钱_blank class=infotextkey>get=_blank class=infotextkey>”，但在_blank class=infotextkey>get=_blank class=infotextkey>决_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房前_blank class=infotextkey>get=_blank class=infotextkey>还要是从_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>方_blank class=infotextkey>面因素着手，衡量_blank class=infotextkey>get=_blank class=infotextkey>家庭_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>get=_blank class=infotextkey>水平、现_blank class=infotextkey>get=_blank class=infotextkey>有存款额、_blank class=infotextkey>get=_blank class=infotextkey>可_blank class=infotextkey>获得的_blank class=infotextkey>get=_blank class=infotextkey>贷款额度及亲友可资助额等_blank class=infotextkey>get=_blank class=infotextkey>正确估算_blank class=infotextkey>get=_blank class=infotextkey>自己的实际_blank class=infotextkey>get=_blank class=infotextkey>购买能力，以便_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最终确_blank class=infotextkey>定所要购_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房屋的类型、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>面积和价位等。因为购_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房屋的_blank class=infotextkey>get=_blank class=infotextkey>地段、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>面积、_blank class=infotextkey>get=_blank class=infotextkey>总价等因素，将_blank class=infotextkey>get=_blank class=infotextkey>会直接_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>get=_blank class=infotextkey>未来_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>评估及_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最终放贷数额。
二、货比三家
_blank class=infotextkey>get=_blank class=infotextkey>目前_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少_blank class=infotextkey>get=_blank class=infotextkey>银行都推出了_blank class=infotextkey>get=_blank class=infotextkey>“直客式_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>”，与_blank class=infotextkey>get=_blank class=infotextkey>传统个贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融机构的_blank class=infotextkey>get=_blank class=infotextkey>服务模式是_blank class=infotextkey>get=_blank class=infotextkey>“碰撞_blank class=infotextkey>get=_blank class=infotextkey>”的。客观的说，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>“直客式_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>”_blank class=infotextkey>get=_blank class=infotextkey>具备_blank class=infotextkey>get=_blank class=infotextkey>省钱的优点但是相对的_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>产品较为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>单一，而个贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融_blank class=infotextkey>get=_blank class=infotextkey>服务机构从_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>专业性，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地产、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策的权威性，_blank class=infotextkey>以及掌握_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>多家_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>产品的角度来谈都更具_blank class=infotextkey>get=_blank class=infotextkey>有无可比拟的_blank class=infotextkey>get=_blank class=infotextkey>优势。所以，_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者在_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房前更_blank class=infotextkey>应该_blank class=infotextkey>get=_blank class=infotextkey>“贷比三家_blank class=infotextkey>get=_blank class=infotextkey>”，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>自己的_blank class=infotextkey>get=_blank class=infotextkey>贷款委托_blank class=infotextkey>get=_blank class=infotextkey>方式。
三、_blank class=infotextkey>get=_blank class=infotextkey>注意_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>方式
_blank class=infotextkey>get=_blank class=infotextkey>中等_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>get=_blank class=infotextkey>人群在_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>环节_blank class=infotextkey>get=_blank class=infotextkey>中应_blank class=infotextkey>get=_blank class=infotextkey>注意_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>方式，顾及_blank class=infotextkey>get=_blank class=infotextkey>“提前还款_blank class=infotextkey>get=_blank class=infotextkey>”因素。虽然_blank class=infotextkey>get=_blank class=infotextkey>目前月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>5000元，但对于_blank class=infotextkey>get=_blank class=infotextkey>今后可能_blank class=infotextkey>get=_blank class=infotextkey>发生的_blank class=infotextkey>get=_blank class=infotextkey>变化谁也_blank class=infotextkey>get=_blank class=infotextkey>无法预料，特别是在现_blank class=infotextkey>get=_blank class=infotextkey>阶段_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策_blank class=infotextkey>get=_blank class=infotextkey>“摇摆_blank class=infotextkey>不_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>”的_blank class=infotextkey>get=_blank class=infotextkey>市场状况前，更_blank class=infotextkey>应该_blank class=infotextkey>get=_blank class=infotextkey>注意_blank class=infotextkey>get=_blank class=infotextkey>选取_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>自己的还款_blank class=infotextkey>get=_blank class=infotextkey>方式，_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>还要兼顾到_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>后的_blank class=infotextkey>get=_blank class=infotextkey>“提前还款_blank class=infotextkey>get=_blank class=infotextkey>”因素等。
弃_blank class=infotextkey>get=_blank class=infotextkey>“本息_blank class=infotextkey>get=_blank class=infotextkey>”转_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>”。虽然各家_blank class=infotextkey>get=_blank class=infotextkey>银行都已推出_blank class=infotextkey>不同种类的_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>产品，但_blank class=infotextkey>get=_blank class=infotextkey>目前为止，_blank class=infotextkey>get=_blank class=infotextkey>房贷者_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>常用的还款_blank class=infotextkey>get=_blank class=infotextkey>方式还仅是局_blank class=infotextkey>get=_blank class=infotextkey>限于_blank class=infotextkey>get=_blank class=infotextkey>“等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>”和_blank class=infotextkey>get=_blank class=infotextkey>“等额本息_blank class=infotextkey>get=_blank class=infotextkey>”。就这两种_blank class=infotextkey>get=_blank class=infotextkey>方式而言，或许_blank class=infotextkey>get=_blank class=infotextkey>房贷者已习惯_blank class=infotextkey>get=_blank class=infotextkey>使用_blank class=infotextkey>get=_blank class=infotextkey>“等额本息_blank class=infotextkey>get=_blank class=infotextkey>”还款。但是，_blank class=infotextkey>get=_blank class=infotextkey>“等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>”的还款_blank class=infotextkey>get=_blank class=infotextkey>方式更_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>房贷者在_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策的_blank class=infotextkey>get=_blank class=infotextkey>市场_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>环境_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>使用，虽然_blank class=infotextkey>最初还贷_blank class=infotextkey>时借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>会感觉到_blank class=infotextkey>get=_blank class=infotextkey>每月的负担较_blank class=infotextkey>get=_blank class=infotextkey>重，但随着归还的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金增_blank class=infotextkey>get=_blank class=infotextkey>多，利息支出也就_blank class=infotextkey>get=_blank class=infotextkey>会相对减_blank class=infotextkey>get=_blank class=infotextkey>少，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最终还贷_blank class=infotextkey>get=_blank class=infotextkey>压力_blank class=infotextkey>get=_blank class=infotextkey>会减轻很_blank class=infotextkey>get=_blank class=infotextkey>多。
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