[CORE房知厂] 你没有看错,我就是卖了交通拥堵地方的房产

巴菲特

巴菲特老师说的“别人恐惧我疯狂,别人疯狂我恐惧”其实就是和逆向思维是同一个道理。

带着这个思维,我们今天就来研究一个拥挤堵车的地方的房产到底是应该买进还是卖出吧

很多人会说,当然是买进,因为这样地方的房产已经成熟,要什么有什么,生活方便。

如果从自住的角度来看,这么说没有问题,因为自住要的就是生活方便要什么有什么,而塞车就代表着这里已经繁华

可是从投资的角度来看,这么做反而是错误的,因为投资的目的就是为了捕捉未来价值和当前价值的最大化差价,也就是为了挣钱,而差价最大化就必须买的时候价格低而卖出的时候价格高

中年vs年轻

先问大家一个问题,一个没有工作经验的年轻人和一个身价不菲的中年人,你更愿意雇佣谁?相信大部分人都会选择年轻人,因为年轻人会给你至少干三四十年,尽管刚开始他什么都不会但是你可以教会他。而中年人虽然什么都会马上能给你干活可是干不了几年就要退休,然后就是你来养活他了。也就是说,年轻人的成长性是你最主要的考虑因素。

我们知道,决定房子价值的因素就是房子周边的公共配套资源,主要包括地铁,公交,幼儿园,学校,医院,公园,超市,饭店,商场等等公共资源,房子的的价值就是这些公共配套资源的价值总和,当房子周边的公共配套资源越多,房子的价值就越高,反之正好相反。由于优质的公共配套资源过分的集中在城市中心区域,所以中心城区的房价要远远高于郊区,

因此,房价就包含了两种收益属性:一种是房子周边已经拥有的配套资源,我们通常叫做居住属性;另一种是房子周边未来会拥有的配套资源,我们通常叫做投资属性。我们常说的买房子看的是未来其实就是说的房子的投资属性。也就是说,房子的周边未来会有配套设施的增加,那么这样的房子就有升值空间,而升值的原因就是未来的配套设施一旦兑现,那么就是在给配套设施周边的房子送金送银。

所以出租房子看的是已经有的配套设施(居住属性),而买房看的是现在已经拥有加上未来即将拥有的配套设施(居住属性+投资属性),这种具有增量的机会在资本市场通常叫做成长性。就比如房子周边在修路,尘土飞扬加上噪音影响会让房租降低,但是房价反而会上涨。如果按照租售比去衡量这样的房价岂不是就大错特错了。因为在租售比里是无法衡量成长性的。

0101

正是因为房价的组成包含了居住属性和投资属性,而预售比的概念里只计算了居住属性,因此租售比就出现了巨大的偏差。

在发达国家(成熟的没有成长性),由于城镇化已经完成,没有农村人口进城的压力,城市建设基本饱和,不可能再增加新的城市配套设施,所以这些地方的房价只有居住属性,没有投资属性,用预售比衡量房价在发达国家基本是准确的。

而在发展中国家(有成长性),由于城镇化率还很低,还有大量农村人口进城的压力,所以城市就必须通过扩容来容纳这些增量人口,就必须不断增加城市配套设施,比如马来西亚的城镇化率就只有54%,大城市的人口在不断增加,所以各个大城市都在不断进行城市的扩容建设。这些不断增加的配套设施就让中国大城市的房产具有了投资价值。

malaysia

正是因为马来西亚还是一个发展中国家,还有很高的成长性,房价里面包含的投资属性就要高于居住属性,所以片面的用发达国家成熟的租售比概念去衡量马来西亚的房价价值,就会犯形而上学的错误。就像用一个年轻人的收入去和中年人的收入去对比身价,那末必然会出现巨大的偏差。

马来西亚房产的价值正处于青少年发展时期,投资价值主要看未来的成长性,新型城镇化就是成长的动力!

明白了上面的道理,我们就知道要买那些未来国家公共配套资源将要集中建设的区域的房子,这些区域由于暂时可能还不是很方便,这样价格就会相对便宜,房租当然也会很低,但由于未来能够享受政府投资给房产周边不断增加配套设施带来的红利,所以未来的升值空间就会很大,作为投资购房,这样的购房投资就是未来收益最大的投资。

由于城市的配套设施是不断变化的,有的地方在增加,有的地方在减少,所以才会出现房价有涨有降的情况。那些周边配套设施不断增加的房产就会不断升值,而那些周边配套设施不断减少的房子就会贬值。

所以,判断房子是否具有投资价值用康老师的判断标准就是非常简单的事情,就是看房子周边的配套设施是否具有增量,如果房子周边的配套设施未来会不断增加就说明这个房产有投资价值。

jam

回到我文章题目的话题,一个地方开始堵车,就说明这个地方已经饱和,进去了成熟期,房子失去了成长性带来的升值机会。这个时候房子的投资价值就越低而居住价值就是最高。如果你是有投资眼光的话,就应该卖出这样的房产去买进具有升值潜力的房产去投资。

城市规划就像人体器官,城市交通就是血液循环系统。具有成长性的城市区域就像年轻人的血液循环,有条不紊快速运输着物资氧料,而成年人就会经常出现血液堵塞的病理,就像城市的堵车现象。所以,当一个地方经常出现堵车的时候,就是在告诉我们这个地方已经告别了成长期进去了成熟期,就是赶紧卖掉房子变现的时候。这也就是我们把青年路房子卖掉的根本原因,因为这里已经要什么有什么进入到成熟期,所以我卖掉这样的房产去买进具有成长性的房产

 

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[CORE房知厂]在大家恐慌时铺垫,在大家疯狂时兑现!

为什么投资者要投资房产,他们的想法从何而来,他们一定不是没房住的人,而是有多套房的提供者。

投资就是未来价值大于当前价值的必然产物。房产投资者投资房产的意愿就是未来房价会高于当前房价,而投资价值就是未来价值减去当前价值的差额。

未来

所以,我们首先就要明白房价的本质,房价上涨的原因。

房地产就是国家财富的表现,房产的价值就是房子周边的各种国家公共配套设施的价值总和。

也就是说,买房子不是买的房子里面有什么,而一定是房子外面到底有什么城市的配套设施。由于城市的配套设施是不断变化的,有的地方在增加,有的地方在减少,所以才会出现房价有涨有降的情况。那些周边配套设施不断增加的房产就会不断升值,而那些周边配套设施不断减少的房子就会贬值。

买房子买的就是房子周边的各种公共配套设施,而房子周边的配套设施分为存量和增量两种,存量代表现在已有的,增量代表未来会有的,存量标志着房子当前的使用价值,增量代表着房子的未来升值空间(就是常说的投资价值)。

quality problems

判断房子是否具有投资价值就是看房子周边的配套设施是否具有增量,如果房子周边的配套设施未来会不断增加就说明这个房产有投资价值,这种房子也叫做成长性房产。而那些周边配套设施齐全方法房产没有了上升空间的房产就叫做成熟性房产。购买成长性房产的行为就叫作投资,购买成熟性房产的行为叫做消费

可能有些人会问,房子的朝向、楼层、装修不会影响房子的价格吗,这些因素当然会,但是很,当你出售房子的时候,你会发现你花了几十万的装修很可能就是白送人家的。因为人家买你的房子的原因主要是因为你的位置,也就是你的房子周边有什么样的配套设施。

LRT

当一个区域还比较荒凉的时候,如果传出政府要大规模建造这个区域,这就是机会,因为这个时候这里的房产就是原始股。而敢于在这个时候买进这个区域房产的人就是现在时髦的风险投资,因为一旦这个区域未来成熟起来那么当初的投资就会获得几倍或者几十倍的收益,通常买房自住的人对这种偏荒凉地区的房产是不会购买的,所以这样的房产价格就会很低,所以给了投资者极好的入手机会。

 

想知道年纪较大者买房要考虑什么因素吗?点击查看 https://bit.ly/2m4gko3

 

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[CORE房知厂]20年前投资在这么ulu的地方,20年后竟然赚了大钱

FPP

预售比看的是现在,投资看的是未来

我们来看看租售比的话题,出租房子看的是已经有的配套设施(自住),而买房看的是现在已经拥有加上未来即将拥有的配套设施(自住+投资),这种具有增量的机会在资本市场通常叫做成长性

就比如房子周边在修路,尘土飞扬加上噪音影响会让房租降低,但是这种修路带来的未来预期反而会刺激房价上涨。如果按照租售比去衡量这样的房价岂不是就大错特错了。

正是因为房价的组成包含了居住属性和投资属性,而预售比的概念里只计算了居住属性,因此这就是租售比出现巨大偏差的根本原因。

发达国家(进入成熟期而没有成长性),由于城镇化已经完成,没有大量人口进城的压力,城市建设基本饱和,不可能再增加新的城市配套设施,所以这些地方的房价只有居住属性没有投资属性,用租售比衡量房价在发达国家基本是准确的。

而在发展中国家(有成长性还没有进入成熟期),由于城镇化率还很低,还有大量人口进城的压力,所以城市就必须通过扩容来容纳这些增量人口,就必须不断增加城市配套设施,大量建造公路、铁路、地铁等等城市配套设施。比如2018年末马来西亚的城镇化率就只有59.58%,大城市在不断接纳从小城市涌进的人口,所以各个大城市都在不断进行城市的扩容建设。这些不断增加的配套设施就让中国大城市的房产具有了投资价值

malaysia

正是因为马来西亚还是一个发展中国家,还有很高的成长性,房价里面包含的投资属性就要远远大于居住属性,所以片面地用发达国家成熟的租售比概念去衡量大马的房价价值,就会大错特错犯形而上学的错误。就像用一个年轻人的收入去和中年人的收入去对比投资价值,必然会出现巨大的偏差。

大马房产的价值正处于青少年发展时期,投资价值主要看未来的成长性,新型城镇化就是成长的动力!

捕捉

如何捕捉房产的投资机会

明白了上面的道理,我们就可以用选股票的思维去投资买房了。具体就是说,要买那些未来国家公共配套资源将要集中建设的新兴区域的房产,这些区域由于暂时可能还不是很方便,这样房价就会相对便宜,房租当然也会很低,但由于未来能够享受政府投资给房产周边不断增加配套设施带来的红利,所以未来的升值空间就会很大,作为投资购房,这样的购房投资就是未来收益最大的投资。所以,投资房产其实就是提前抢占各种国家优质配套资源不断兑现的机会。

因此,判断房产是否具有成长性就是非常简单的事情,就是看房产周边的配套设施是否具有增量的机会,如果房产周边的配套设施未来会不断增加就说明这个房产有成长性,也就是说具有投资价值

quality problems

当一个区域还比较荒凉的时候,如果传出要大规模建造这个区域,这就是投资机会,因为这个时候这里的房产就是原始股。而敢于在这个时候买进这个区域房产的人就是现在时髦的风险投资,因为一旦这个区域未来配套设施成熟起来,那么当初的投资就会获得几倍或者几十倍的收益。

未来,那些新兴区域的房产就是股市中的潜力股,成长性就是判断投资价值的主要因素。就像当初孙正义投资马云淘宝获得几百倍的收益,如果这些新兴区域一旦能够成为未来的热点板块,那么你的投资收益就会和当初孙正义投资淘宝的收益一样。

一个四五十岁的中年富婆尽管浑身穿金挂银身价不菲,但是没有人愿意搭理她,就是因为没有成长性。一个十七八的小姑娘素面朝天身无分文,但会成为大家追逐的对象,就是因为有无限的成长空间。同样,一处租金昂贵的房产其实就像身价不菲的中年富婆,越是高贵就越失去了让人追逐的动力,而那些有政府规划新兴区域的房产租金虽然很低甚至暂时租不出去,但是宛如十七八岁的少女含苞欲放会让无数的追逐者竟折腰!

investor

这些追逐者在资本市场就叫做投资家,就是挖掘成长空间,发现未来价值大于当前价值的神奇力量。巴菲特老师说买股票就像追美女,不会追美女的男人成不了投资家!

房产中的少女就是那些暂时“要什么没什么”,这样的房产由于暂时配套设施还不齐全价格自然就会很低,而未来会不会成为美女就要看配套设施能不能“要什么有什么”。而随着不断完善各种相应的配套设施,这些房产未来就会在的大力支持下成长为“要什么有什么”,房价自然就会随着配套设施的增加而不断升值,所以房子从“要什么没什么”转化到“要什么有什么”的成长过程就是房产的投资价值不断兑现的过程。

 

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[CORE房知厂]如何掌握房产的投资价值?

property research

什么是房产的投资价值?

其实,不管买房是用来自住,还是用来投资投机,都不能改变买的房子具有投资品的属性。你在一个城市买房,买的就是这个城市提供给你的良好的就业机会与商业机会,便利地区则是获得这个区域周边教育、医疗、生活、娱乐与交通等等公共服务的机会,这才是真正买房的目的,也就是说房子除了住的功能之外的其他功能才是支撑房价的主要因素,而这些城市提供的公共服务的不断增加的机会就是房子的投资价值。如果房子只是用来居住的话,完全可以“租房也能做到”,因为租房只是消费了房子的居住属性,而买房就是为了获得房子的投资属性。你买了房子其实就是投资了这个城市及房子周边的看涨期权,表明你看好这个城市与房子周边的未来发展,房价中未来高于房租流折现值的部分就是这个期权的价格。

hahaha 08

房产的投资价值并不会因为某些人的抑制或者鼓励就突然诞生或者消失,房产的投资价值天然就附属在房产的价值体系里,唯一的区别就是你能不能看见,能不能看清,能不能看懂,能不能追上!确切地说,早看清早收益,晚看清晚收益,看不清没收益,看不起负收益,因为当你身边的人都开始收获房产投资价值的时候,而你的现金因为没有投资房产而获益的时候,其实你的现金是贬值的!

当你认识不到房产的投资价值,而只有在别人的房产因为升值而痛恨房产的情绪,这种悲观情绪恰恰就是你贫穷的原因,就像别人开着汽车在路上飞奔,而你只能用两条腿在走路,于是你不是想办法去挣钱买车,而是天天诅咒那些开车的人赶紧被撞死一样。

mei

房产为什么会有投资价值呐?

我在前面的文章里面写到,老百姓买房就是参与国家建设并分享国家高速发展带来红利的机会。购房分为自住投资。自住看的是现在已有的使用价值,投资看的是未来会增加的使用价值。投资就是用今天的钱去购买未来的消费,就像我们刷信用卡一样,提前锁定了未来的消费观念。

购买房产作为越来越多的老百姓分享国家发展带来红利的机会,这种红利就是指的投资收益。那么怎么才能收获这种红利并且尽可能收获更多的红利呐?

核心观点就是房子的价值就是就是房子周边的各种城市公共配套设施的价值总和。这些配套设施主要包括地铁、公交、幼儿园、学校、医院、公园、超市、饭店、商场、电影院等等公共资源,当房子周边的公共配套资源越多,房子的价值就越高,反之正好相反。由于原来的城市发展是以城市中心区域为主,优质的公共配套资源过分地集中在城市中心区域,所以中心城区的房价要远远高于郊区,后来随着一些局部热点区域的崛起,才会让郊区的房价完全和市区接近甚至开始超越了市中心。

money properties

用我的核心理论推导得出了房价的两种收益属性:一种是房子周边已经拥有的配套资源,我们通常叫做居住属性;另一种是房子周边现在没有而未来会拥有的配套资源,我们通常叫做投资属性

大家常说的买房子看的是未来其实就是说的房子的投资属性。也就是说,房子的周边未来会有配套设施的增加,那么这样的房子就有升值空间,而升值的原因就是未来的配套设施一旦兑现,那么就是在给配套设施周边的房子送金送银,这种送金送银的过程就是房子投资价值不断兑现的过程。

 

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5 Factors You Need To Consider when Buying A Property In Malaysia!

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Malaysia is a wonderful place to live. Not only is it considered one of the more affordable places to live in Southeast Asia and is also the best country to retire in.
This means that if you’ve started searching for houses for sale in Malaysia, you’re already on the right path to setting up a successful future!
While the Malaysian property market has been up and down in recent years, the good news is that right now is a great time to buy in Malaysia.
It’s a buyer’s market. But having enough money to buy a house isn’t the only thing to consider. Here’s a checklist of factors you need to think about while searching for your perfect Malaysian property.

property research

1) Make Sure You Do The Property Research
Whether you’ve lived in Malaysia your entire life, or have recently moved here and are looking to buy a home, research is the most important thing you can do before jumping into the housing market.
Malaysia is a big country but which location will best suit your needs?
Understanding what land types are available to you will set you on the right path, as well as gaining knowledge about lending guidelines in Malaysia and how to know which one is the right developer.
Whether you’re searching for a home as a young couple, a family or as an investment property, consider your needs with regards to:
• Location.
• Facilities
• Age of the property.
• Whether you want to buy a completed property, a sub-sale property, or a brand new home that is still under construction.

money properties
2) Consider Your Budget Carefully
Of course, money is important and probably the defining factor for every person searching for a property in Malaysia.
Malaysia’s real estate market is looking positive for 2019 and if you plan well, you could easily own your first home this year.
For example, if you are a couple with a combined income of RM12,000, your monthly repayments should not be more than about RM4,000.
We know that a lot of Malaysians want to buy property, but aren’t willing to change their lifestyle to afford one, so understanding what you can realistically purchase is very important.
As for down payments, you’ll need to ensure you have the 10% to pay upfront.
Apart from this, other additional costs such as legal fees, 6% government service tax on the real estate agent’s commission, and stamp duty are all important to consider.
Generally, most banks in Malaysia offer loans of around 90% of the property’s price for your first two residential properties.

房价
3) Understand Property Types and The Risks of Your Investment
Are you looking for a condominium, apartment, terrace house, semi-detached, or bungalow?
Do you want to purchase a unit in an older – but potentially cheaper – building, or perhaps a sub-sale unit before it’s completed?
Deciding on your property type is one thing, but then you have to weigh all the pros and cons, and the average property prices, which vary significantly.
Location is a key component of this. For example, if you bought a single-storey house in Bangsar 15 years ago, you might get a return of more than 200% of what you paid today.
This is because the location of Bangsar has exploded in popularity – and you might not find the same capital appreciation elsewhere.

high risk
Other risks include Malaysia’s typical property cycle, which dictates whether the property prices go up or down.
At the moment, Malaysia is in what is called a ‘downturn’, where residential properties are abundant for sale, with many remaining unsold for a long period.
So, if you’re looking to purchase now, you need to understand not just what this means, but how it can factor into your decision-making process. A few questions to consider are:
• What could the long-term effects of purchasing a house during a downturn be?
• If you’re looking for a rental property, what’s your rental return likely to be? How easy will it be to find tenants, based on your location, nearby amenities and costs? How many repairs to the property or unforeseen costs could there be that might affect your cash flow as a homeowner?
Remember, return on investment is never guaranteed, and outlooks can change year-to-year, influenced by complex factors.

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4) Find an Experienced Property Guru.
An experienced, engaged and friendly real estate guru can be worth their weight in gold. Not only will they work hard to find properties within your budget for you, but they’ll advocate for you, coordinate viewings and communications, and protect your interests. Because knowledge is power, we learn the necessary knowledge that we can avoid a lot of unnecessary costs.
When choosing someone to help you to learn the property investment knowledge, make sure the property guru has professional knowledge by showing their students’ result to ensure you will have the same result also. They should be the best defender for you to avoid you to lose money.

Close-up of a clock showing the words "Time For Action". Shallow depth of field.

5) Begin Your Property Search!
While there’ll still be a few other details to iron out, such as where and how you will take out your loan, and whether you’ll engage an independent mortgage advisor, but the most important is TAKE ACTION.
Start your property search online and offline! Have a look at what’s available and make a list of areas, bookmarking properties that seem in line with your wants and needs.
Take all things into consideration and collate all your research – don’t get swayed by family or friends who tell you unsubstantiated trends or rumours about property trends.
Finally, make sure you find out if what they’re telling you is true by asking people within the industry, and through reading plenty of current news about Malaysia’s property market.

Happy investing!

 

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What are the 5 things that you CANT do when checking defect.

giving key

Getting the keys to your new home is one of the most exciting moments in life but there are some things that have to be settled before you celebrate. The first thing to do is to inspect the property for defects.
Here are five things you should NO do:

SPA

1, CAN’T ignore your SPA 
Some buyers feel deceived when they compare the completed unit with the impressions given to them when they bought the unit.
Architect Centre Sdn Bhd accredited architect and trainer Anthony Lee Tee observes that many homebuyers are “seduced” by the artists’ impressions or finishes in the show units and assume that what they see is what they would get.
“Not many owners would have read the Sale and Purchase Agreement (SPA) thoroughly before signing on the dotted line, especially Schedule 1 (Approved Building Plans) and Schedule 4 (Description of Building Specifications and Finishes) in the SPA, which lists the details of the property design and specifications,” he tells.

how to inspection

2. CAN’T be ill-equipped for the inspection 
Many property owners who carry out their own inspections may not have the expertise and may overlook certain things that need to be rectified, which could cause bigger problems in future, says MIP Properties Sdn Bhd senior negotiator Chong Teck Seng.
“Property investors especially will just do some simple inspections of visible defects,” he adds.
Lee concurs that most of the owners being non-technically equipped may only check the finishes or the things they could see and touch but what lies beneath or is hidden from views, such as the floor or wall tiles, the ceilings, cables and pipes, are missed.
“Property inspection is not about checking the visible faulty workmanship but also to identify the root causes of major defects to prevent skin-deep cosmetic repairs,” he says.
For instance, checking the water meters could tell you of possible leaking water pipes.
He says owners who conduct their own inspections should equip themselves with basic technical knowledge and useful tools such as a ladder, a long shank screwdriver, a good torchlight and a powerpoint tester as well as a DIY checklist.

damage

3, CAN’T damage the property 

A unit owner can request the developer to fix defects but the unit belongs to you and any destructive action on your part is only causing more damage to your unit.
For instance, when marking the defects in a unit during the inspection, Lee from Architect Centre advises property owners to use removable masking tape or stickers instead of spray paint or marker pen.
Similarly, for the flooring, if the owner finds any problem such as hollow tiles or cracked tiles, Lee says it’s better to leave a removable sticker rather than breaking up the tiles further.
“Using your mobile home to capture photos or short videos as part of a recorded compilation of defects could also be an effective way to communicate the problem to developers,” he adds.

愧疚

4, CAN’T be careless  

According to Chong from MIP Properties, some property investors/owners appoint agents to collect the keys to their new properties and put up the units in the market for rent or sale without even seeing the unit themselves, what more to inspect them.

“The majority of them are foreign buyers or Malaysians who are staying abroad so they will authorise agents to do a simple inspection for visible defects while some of them will just ignore the inspection process altogether as they hope their unit would be sold quickly within the DLP period and the new owner can inspect the unit and deal with the developer,” he explains.

However, he notes that not doing a proper inspection may affect the property’s value as buyers may ask to reduce the price or choose another unit if they spot visible defects.

gym

5, CAN’T ignore the common areas and facilities
Lee says a majority of strata property buyers tend to inspect their own units and car parks only but forget about the common areas and facilities.
“Inspection of common areas is equally important as any defect can cause bigger problems in future and could be costly to fix. It is advisable for owners to conduct a comprehensive inspection of all common property areas soonest possible before the end of the DLP,” he stresses.

The common property areas include water tanks, equipment room, lift pits and motor rooms as well as the escape staircases and the functionality of fire-fighting systems.

 

 

 

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Credit : EdgeProperty. September (Sept 7)

 

 

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年纪较大者买房子应该要考虑哪些因素?

很多人在购买房屋的时候都会存在一种错误的心态,那就是基于自己对于挑选房屋什么都不清楚,导致自己买房子的时候完全听信他人所讲的,别人说房子好,但事实上对于自己而言却并不一定是好房子,所以买房子之前,购房者还是要分析一下自己的购房需求,今天我们就来讨论讨论,老年人买房要考虑哪些因素?

交通

 1、交通便利

老年人的身体机能在逐渐的退化,对于这部分购房群体而言,买房子最好是选择交通便利的地区,小区最好是距离公交站或者是地铁站比较近。另外小区内部的交通也要注意一下,由于老年人的身体状况与年轻人不同,因此老年人买房应该尽量选择有无障碍通道的小区,方便其使用轮椅出入。

hospital

2、靠近医院

老年人的免疫力比较低,平时稍不注意就会受风寒或者是生病,所以老年人选购养老房靠近医院,一是方便老年人定时体检,保持健康的身体状态;二是老年人的身体毛病多,靠近医院能够给予及时并且专业的救治。若是医院离得太远,出现病痛时会因为送医的路途远而过于折腾,不利于身体健康。

BEIJING - JULY 31: Beijing residents practice Tai Chi Chuan, a traditional Chinese martial art, at a park on July 31, 2008 in Beijing, China. The Chinese government has encouraged its citizens to take part in different forms of exercise ahead of the Beijing Olympic Games which will start on August 8. (Photo by Andrew Wong/Getty Images)

3、靠近公园

老年人买房子的话,对于周边的环境要求比较高,平时不用工作,但总不能整天都呆在室内吧,没事还是要出门多转转,相比年轻人来说,老年人更爱安静,嘈杂的环境会让他们的心绪难得安宁,同时老年人不必像年轻人那样上班拼搏,基本上以在家休养为主,因此选择偏一些且安静的房产为佳。这里的偏可不代表生活不方便,老年人体力较差,周边各种生活设施一定要方便才行

1st_floor_6_x_8_2

4、选低楼层

同样也是考虑到老年人出行不便的问题,那么购房者在挑选房屋的时候还要注意选择稍微低一些的楼层,无论是从心理上还是身体上来说,老人都不适合居住在高层。首先,很多老人不适应高层电梯运行时的超重感和失重感。另外,很多老年人喜欢种植一些花草或者蔬菜,一来可以活动筋骨,二来也可以为自己提供一点新鲜蔬菜。

户型

5、户型通透

不管是对于什么样的购房群体来说,选房子的时候,大家都希望买到户型好的房子,特别是比较通透的房子,老年人也是如此,大家千万不要只重视了外部环境而忽视养老房的内部细节,在户型的选择上,要尽可能的选择南北通透的户型。南北通透的户型具备厅堂明亮、通风良好的特征,非常符合老年人的日常生活习惯和需要。

开心老人

以上就是关于老年人买房要考虑哪些问题的介绍了,现在的年轻人大多都不喜欢跟老年人一起居住,本身生活习惯就不一样,勉强生活在一起的话就会产生很多矛盾,老年人买房子还需要尊重老人的个人意愿,应该多与老人沟通,在选房时要合理的融入老年人的喜好,也要在空闲时间多陪伴家里的老人家。家有一老如有一宝,不要只是为了前程拼搏,也要关怀家里的老人家哦。

 

 

 

 

 

 

 

 

 

 

 

 

 

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Mind-changing stories

hahaha 01

Story 1

There is an old man who loves quiet, but often children play nearby, noisy him, so he called the children over, said: I this is very lonely, thank you for making this more lively, say that finish each person three candy. The children are very happy and come to play every day. After a few days, each person gave only two, then one, and then no more. The children are angry and say: later no longer come here to give you lively. The old man was quiet.

Educational: seize human weakness; everything can be accomplished.

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Story 2

Two horses pull a wagon. One horse walks fast, one horse walks slowly. So the master moved all the goods behind to the front. The horse behind laughed. “cut! The harder you try, the more you suffer!” Who knows master thinks later: since a horse can pull the carriage, why raise two? At last the lazy horse was killed and eaten. This is the lazy horse effect of economics.

Education: if you make your boss think you’re dispensable, you’re on the verge of leaving.

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Story 3

The night market has two noodle stalls. The booths are adjacent and the seats are the same. A year later, a made money to buy the house, b still unable to buy the house. Why? As it turned out, booth b’s business was good, but the noodles were so hot that customers had to eat a bowl in 15 minutes. In booth a, the cooked noodles are soaked in ice water for 30 seconds before being served to customers. The temperature is just right.

Educational: save time for customers, money can come in faster.

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Story 4

A master saw a scorpion falling into the water and decided to save it. But when he touched it, the scorpion stung his finger. Zen master without fear, again shot but was scorpion son mercilessly stung once. A man said, “he is an old sting. Why save him?” Zen master answer: sting is scorpion nature, and good is my nature, I can not because of its nature, and gave up my nature.

Education: our mistake is that the outside world has changed us too much.

forgive

Story 5

Mandela was imprisoned and tortured for 27 years. When he became President, he invited three guards who had abused him. As Mr. Mandela rose to respectfully salute the guards, the crowd and the world fell silent. He said: when I walked out of the prison cell, through the prison door leading to freedom, I have made it clear that if I can not leave behind the grief and resentment, then I am still in prison.

Educational: to forgive others is to sublimate ourselves.

农夫

Story 6

Someone asked the farmer, “have you planted wheat yet?” Farmer: “no, I’m afraid it won’t rain.” The man asked, “do you grow cotton?” Farmer: “have no, I worry the insect ate cotton.” The man asked, “what did you plant?” Farmer: “what also have no seed, I want to make sure safety.”

Educational: a person who is not willing to pay, not willing to take risks, nothing to him is only natural.

Umbrella in mass of black umbrellas.

Umbrella in mass of black umbrellas.

Story 7

Three people go out one umbrella, one crutch, one empty hand. When he came back, the one with the umbrella was wet, and the one with the crutch was hurt. Originally, when the rain umbrella boldly goes but was wet; When walking on the dirt road, the crutches recklessly walk, often fall down; What all have no of, the heavy rain comes to hide to walk, the road not good careful walk, but have no matter.

Educational: most of the time, we are not defeated in the defect, but in the advantage.

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Story 8

In a small town, a businessman opened a gas station, business is very good, the second came, opened a restaurant, the third opened a supermarket, this area quickly prosperous.

Another town, a businessman opened a gas station business is very good, the second came, opened a second gas station, the third, the fourth vicious competition everyone did not have to play.

Educational: blindly follow others’ paths. Must block his way.

hahaha 09

Story 9

A crow met a pigeon on its way home. The dove asked: where are you flying to? The crow says: in fact, I don’t want to walk, but everyone suspicion my cry not good, so I want to leave. The dove told the crow: don’t waste your time! If you don’t change the sound, you won’t be welcome anywhere.

Education: if you want everything to be better, start by changing yourself.

hahaha10

Story 10

One family had three sons. They grew up in the midst of endless arguments between their parents.

The eldest thought, “poor mother! I’m gonna be nice to my wife. The second thought: marriage is too meaningless, I grow up must not get married! Old three think: originally, the husband be can so dozen wife of!

Educational: even if the environment is the same, different ways of thinking will affect a different life.

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Story 11

The young monk is responsible for sweeping up the fallen leaves in the temple, which takes a long time every day. Someone said to him, “shake the tree hard before you sweep it. Shake all the leaves down. Tomorrow you won’t have to sweep it.” The little monk felt quite right and gladly complied, but the next day the yard was as full of leaves as ever. No matter how hard you try today, tomorrow’s leaves will still float down.

Education: live in the present.

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Story 12

The boar and the horse eat grass together, the boar is always bad, either trampling the grass or muddy the water. The horse was very angry and wanted revenge, so he asked the hunter for help. The hunter said he would not let the horse ride unless he put a halter on it. The vengeful horse agreed to the hunter’s request. The hunter mounted the horse and defeated the boar. Then he took it back and tied it to the manger.

Education: if you don’t tolerate others, you will bring misfortune to yourself.

hahaha12

Story 13

People ride a bicycle, two feet hard on an hour can only run about 10 kilometres; People drive a car, one foot gently step on the accelerator 1 hour can run 100 kilometres; People can run 300 kilometres in an hour with their eyes closed. People fly, eat delicious food and can run 1000 kilometres in an hour.

Educational: the same person, the same efforts, different platforms and carriers, the results are not the same

 

 

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13个改变思维的小故事

hahaha 01

故事一

有个老人爱清静,可附近常有小孩玩,吵得他要命,于是他把小孩召集过来,说:我这很冷清,谢谢你们让这更热闹,说完每人发三颗糖。孩子们很开心,天天来玩。几天后,每人只给2颗,再后来给1颗,最后就不给了。孩子们生气说:以后再也不来这给你热闹了。老人清静了。

教育意义:抓住人性的弱点,一切都能完成。

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故事二

两马各拉一货车。一马走得快,一马慢吞吞。于是主人把后面的货全搬到前面。后面的马笑了:“切! 越努力越遭折磨!”谁知主人后来想:既然一匹马就能拉车,干嘛养两匹?最后懒马被宰掉吃了。这就是经济学中的懒马效应。

教育意义: 如果让你的老板觉得你已经可有可无, 那你已经站在即将离去的边缘。

hahaha 03

故事三

夜市有两个面线摊位。摊位相邻、座位相同。一年后,甲赚钱买了房子,乙仍无力购屋。为何?原来, 乙摊位生意虽好,但刚煮的面线很烫,顾客要15分 钟吃一碗。而甲摊位,把煮好的面线在冰水里泡30 秒再端给顾客,温度刚好。

教育意义:为客户节省时间,钱才能进来快些。

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故事四

一禅师见一蝎子掉到水里,决心救它。谁知一碰,蝎子蛰了他手指。禅师无惧,再次出手,岂知又被蝎 子狠狠蛰了一次。旁有一人说:它老蜇人,何必救它?禅师答:蜇人是蝎子的天性,而善是我的天性,我岂能因为它的天性,而放弃了我的天性。

教育意义:我们的错误在于,因为外界过多地改变了自己。

hahaha 06

故事五

曼德拉曾被关压27年,受尽虐待。他就任总统时,邀请了三名曾虐待过他的看守到场。当曼德拉起 身恭敬地向看守致敬时,在场所有人乃至整个世界都静了下来。他说:当我走出囚室,迈过通往自由的监狱大门时,我已经清楚,自己若不能把悲痛与怨恨留在身后,那么我仍在狱中。

教育意义:原谅他人,其实是升华自己。

农夫

故事六

有人问农夫:“种了麦子了吗?”农夫:“没,我担心天不下雨。”那人又问:“那你种棉花没?”农夫:“没,我担心虫子吃了棉花。”那人再问:“那你种了什么?”农夫:“什么也没种,我要确保安全。”

教育意义:一个不愿付出、不愿冒风险的人,一事无成对他来说是再自然不过的事。

Umbrella in mass of black umbrellas.

故事七

三人出门,一带伞,一带拐杖,一空手。回来时,拿伞的湿透了,拿拐杖的跌伤了,第三个好好的。原来,雨来时有伞的大胆地走,却被淋湿了;走泥路时,拄拐杖的莽撞地走,时常跌倒;什么都没有的, 大雨来时躲着走,路不好时小心走,反倒无事。

教育意义:很多时候,我们不是败在缺陷上,而是败在优势里。

hahaha 08

故事八

一个小镇中,一位商人开了一个加油站,生意特别好,第二个来了,开了一个餐厅,第三个开了一个超市,这片很快就繁华了。

另一个小镇,一位商人开了一个加油站生意特别好,第二个来了,开了第二个加油站,第三个、第四个恶性竞争大家都没得玩。

教育意义:一味走别人的路。必将堵死自己的路。

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故事九

一只乌鸦在飞行的途中碰到回家的鸽子。鸽子问:你要飞到哪?乌鸦说:其实我不想走,但大家都嫌我的叫声不好,所以我想离开。鸽子告诉乌鸦:别白费力气了!如果你不改变声音,飞到哪都不会受欢迎的。

教育意义:如果你希望一切,都能变得更加美好,就从改变自己开始。

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故事十

一户人家有三个儿子,他们从小生活在父母无休止的争吵当中,他们的妈妈经常遍体鳞伤。

老大想:妈妈太可怜了!我以后要对老婆好点。老二想:结婚太没有意思,我长大了一定不结婚!老三想:原来,老公是可以这样打老婆的啊!

教育意义:即使环境相同,思维方式不同也会影响人生的不同。

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故事十一

小和尚负责清扫寺院落叶,每天要很长时间才能扫完。有人对他说:“你打扫前用力摇树,把落叶统统摇下来,明天就不用打扫了。”小和尚觉得很对,就高兴地照办了,可第二天院子里如往日一样满地落叶。无论你今天怎么用力,明天的落叶还是会飘下来。

教育意义:活在当下。

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故事十二

野猪和马一起吃草,野猪时常使坏,不是践踏青草,就是把水搅浑。马十分恼怒,一心想要报复,便去请猎人帮忙。猎人说除非马套上辔头让他骑。马报复心切,答应了猎人的要求。猎人骑上马打败了野猪,随后又把马牵回去,拴在马槽边,马失去了原先的自由。

教育意义:你不能容忍他人,就会给自己带来不幸。

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故事十三

人骑自行车,两脚使劲踩1小时只能跑10公里左右;人开汽车,一脚轻踏油门1小时能跑100公里; 人坐高铁,闭上眼睛1小时也能跑300公里;人乘飞机,吃着美味1小时能跑1000公里。

育意义人还是那个人,同样的努力,不一样的平台和载体,结果就不一样了

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In Property Investment, Cheaper Might Not Be Better

I believe that most of the people have mentality of greed. If you bought a small things but cheated by other an you won’t have much loss, but if it is to buy a house, it is best not to embrace the mentality of greed to buy.

greed

Once something goes wrong, the losses can be very serious, and when it comes to buying a house, compared to people who don’t have a lot of experience, in this case, you can’t risk buying a cheap house, although the price is very attractive, but you know, how much risk is there in buying a cheap house?

Buying a cheap house is risky, Here are 4 problems will you be faced if you having mentality of greed when buy a property.

quality problems

  1. Quality problems

If there is a quality problem with the house, it will be very difficult to live in the house, and there will be a lot of maintenance costs in the later period. If the house is only a small quality problem and the price is relatively cheap, you can still buy it.

 

But if it is a more serious quality problem to pay attention to. Some second-hand houses have been redecorated before they are sold. When looking at houses, buyers should pay attention to the wall, roof, water supply and drainage and other details to ensure that there are no water leakage, wall cracks, water supply and drainage impassability and other problems that are difficult to repair.

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  1. Unclear property rights

 

Property for the house is very important, if meet the house property right is not clear, small make up suggest you buy, the cheaper house is very likely to encounter property right is not clear, the house property rights mainly include not limited property rights, property rights transactions, to wait for a few kinds of property rights, some 5 card one of bridal chamber can’t deal with house property card, if buyers encounter these types of houses, even if again also do not buy cheap, buy before the house is likely to be the next second, it is not you.

money properties

  1. Mortgage

Some price is cheaper house, property rights are clear, but it could be limited property rights transactions, such as some seller because of funding problems, will house property mortgaged to the bank, but also will choose hide houses have mortgage, the house sell go out, so buyers don’t buy such a house, because even if you pay to buy, the house is not belong to you. Before you buy, had better inquire the relevant information such as housing ownership, mortgage circumstance.

empty properties

      4. Poor housing type

 

Most home buyers in the selection of houses will look at the housing type of research, select a few times, the housing type is left behind.

The impact of housing type is also very big, so we should pay attention to the problem of housing type when buying a cheap house.

If the type of house is not square enough, there is a lack of Angle or hypotenuse, if you live in such a house for a long time, it will bring a lot of bad effects, so you should pay attention to the type of house when you buy a house.

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That is about what risk will you have when you choose to buy cheap house, cheap house must have its reason for cheap, and everybody when choose houses, especially second-hand housing, be sure to verify the property of the building, and field trips, can’t because of hasty and choose to buy cheaper.

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