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Có 1 tỷ đồng, người Sài Gòn thích mua nhà chung cư

Việc mua nhà chung cư dưới 1 tỷ tp hcm đang được nhiều GĐ trẻ đưa lên bàn cân tính toán. Loại hình căn hộ chung cư cao cấp có nhiều nguyên do hơn để người trẻ vung tiền.

Tầm tiền khoảng 1 tỷ vnđ không nhỏ, nhưng cũng không quá lớn để thuận tiện cho quyết định hành động mua nhà an cư. Dù phụ thuộc vào không ít yếu tố sở thích, điều kiện lâu dài… của mỗi gia đình, nhưng đa số người trẻ TP.Hồ Chí Minh thích chọn mua căn hộ cao cấp.

Nhiều giải pháp thăng bằng tài chính

lợi thế tiên phong của mua nhà nhà ở tiếp cận tín dụng thanh toán tốt hơn nhà liền với đất. Bởi các dự án Bất Động Sản luôn được ngân hàng bảo lãnh và mọi thủ tục để đón cận tín dụng đơn giản hơn.

chung cu gia re duoi 1 ty
chung cư đang là lựa chọn của nhiều hạnh phúc gia đình trẻ có trong lòng bàn tay khoản tiền 1 tỷ vnđ

Theo Lê Hoàng Châu, quản trị VNREA TP. HCM, sở hữu 1 tỷ trong tay đối với người trẻ thì thời cơ mua nhà rất nhiều, kể cả nhà liền đất và căn hộ cao cấp. Tuy nhiên, nếu để lên bàn cân thì chọn lựa nhà căn hộ chung cư cao cấp tối đa hóa lợi ích thuận tiện hơn, đặc biệt là thăng bằng tài chính một cách hợp lý.

Trước mắt là chuyện tiếp cận tín dụng thanh toán thông qua CĐT cùng ngân hàng nhà nước bảo lãnh.

“Sở dĩ tôi nói việc tiếp cận tín dụng thanh toán khi đã có 1 tỷ đồng trong lòng bàn tay vì bình thường, việc lựa chọn nhà có khả năng xê dịch tăng thêm khoảng 300 triệu đồng.

Hay còn một cách tính toán khác, là khách hàng mua nhà nên dành một khoản tiền khoảng 30% trong tổng số 1 tỷ đồng để phòng thân, số còn sót lại sẽ cộng với một HĐ tín dụng thanh toán vay thêm để mua nhà ở.

Nếu GĐ trẻ có nguồn thu nhập tương đối không chuyển biến thì cách này chính là việc tối đa hóa quyền lợi khi mua nhà chung cư”, Ông Châu tư vấn.

Theo Ông Lê Hoàng Châu, nếu nguồn thu của 2 vợ chồng trung bình 15 – 20 triệu đồng là có khả năng nắm giữ được nhà căn hộ chung cư cao cấp trên dưới 1 tỷ đồng mà không áp lực đè nén.

Vị trí tốt khi đối chiếu với giá trị tiền

Bỏ qua lợi ích về tín dụng thì vị trí tốt cũng là ưu thế để đa số người quyết định hành động mua nhà ở. Khảo sát giá trên thị trường TPHCM Trong thời điểm này thì việc nắm giữ 1 tỷ đồng trong bàn tay nếu muốn có nhà ở gần khu vực trọng tâm chỉ còn cách lực chọn duy đặc biệt là nhà căn hộ chung cư.

trong khi đó, với số chi phí này, nếu mua nhà gắn liền với đất thì phải đi xa hơn, ít đặc biệt là ngoài bán kính 10 km khi đối chiếu với xung quanh vị trí trung tâm.

Có trong bàn tay 1 tỷ đồng và đang tìm nhà để sở hữ, anh Đặng Thái Cường ở Q Gò Vấp, TPHCM cho biết thêm, đã khảo sát hết các xung quanh vị trí và so sánh cả hai loại hình căn hộ này. Lựa chọn cuối cùng của anh là nhà căn hộ chung cư, vì nếu so sánh cùng một địa thế, chất lượng nhà cũng như không gian sống thì căn hộ cao cấp có ưu điểm vượt trội.

“Trước khi quyết định hành động vung tiền, tôi đã thử khảo sát và so sánh hai loại hình này ở Q. Gò Vấp. Theo nhận định của tôi thì rõ ràng chất lượng và không gian của nhà nhà ở vượt trội so với nhà liền đất.

rõ ràng, nếu mua căn hộ chung cư cao cấp diện thì tích tầm 70 m2, trong khi Nhà Đất Bất Động Sản chỉ có diện tích dưới 40 m2. Chưa tính Nhà Đất BĐS dạng này cũng nằm sâu trong hẻm nhỏ, cơ sở hạ tầng tạm bợ, tiện ích không có. Nếu muốn tìm kiếm ra nhà liền đất có giá và chất lượng ngang bằng căn hộ phải đi xa hơn nữa về hướng Hóc Môn”.

Anh Cường cũng cho biết, chưa bao giờ có trên 1 tỷ vnđ trong lòng bàn tay lại khó mua được tòa nhà riêng có diện tích tầm 50-60 m2 như Trong thời điểm này. Ngay đến các khu rìa của nhiều Q ven ngoại thành cũng không tìm thấy căn hộ nào đầy đủ giấy tờ bán với giá này.

Cùng quan điểm, đa số người đang tìm mua nhà tại những Dự Án BĐS cho rằng, họ chuẩn bị sẵn sàng mất phí hàng tháng để được ở căn hộ tầm 65 m2 tầng lầu, có nhiều tiện ích chung, thay vì ở bít bùng trong nhà phố dưới 40 m2 trong các ngõ hẻm nhỏ và cơ sở hạ tầng không tốt.

chung cu gia re

Lựa chọn đa dạng, an ninh tốt

Theo nhận định của các người đầu tư, thị phần Bất Động Sản đang nằm ở trong tay người tiêu dùng, nên việc nâng tầm phát triển các dự án Bất Động Sản đa dạng, hợp với nhu cầu khách hàng là vấn đề mà nhiều Doanh Nghiệp hướng đến.

đây là nguyên nhân để việc chọn lựa căn hộ mức giá trên dưới 1 tỷ đồng có thể trở nên phong phú hơn khi đối chiếu với mẫu chung của nhà liền đất.

Ông Nam Hiền, Tổng Giám đốc Công Ty Nhà Đất Bất Động Sản Hưng Thịnh cho biết: “Với giá 1 tỷ đồng, nhà liền đất chỉ có một mẫu chung là nhà hẻm, kẹt, hạ tầng sơ sài. Với căn hộ chung cư thì số chi phí này không quá khó để nắm giữ một căn hộ cao cấp trên 65 m2 với tiện ích công cộng hơn nhiều. Lúc này, theo quy định thì phần diện tích nắm giữ chung của căn hộ đang rất được tăng lên, nên khoảng không gian sống sẽ thoải mái hơn xóa bỏ những định kiến trước đây về nhà chung cư”.

đa số người chọn mua nhà ở căn hộ vì cảm giác bảo đảm an toàn. Hiện ở đa phần các dự án căn hộ có lắp camera an ninh quan sát 24/24 cùng đội ngũ bảo vệ, vấn đề đó giảm bớt nhiều trường hợp bị trộm cướp. Trong khi nếu ở Nhà mặt phố, việc về nhà tối khuya hoặc đi chơi xa nhiều ngày rất có khả năng không tránh khỏi một rủi ro đáng tiếc trộm cắp.

có thể bạn quan tâm căn hộ chung cư dưới 1 tỷ tại trung tâm quận gò vấp

“Hiện nay không có nguyên tắc chung nào về việc sở hữu BĐS của người trẻ. Vấn đề này tùy thuộc nhiều vào tố chất tài chính, sở trường thích nghi và thậm chí là ý niệm của từng người. Thị phần hiện nay đang Nằm ở phía trong tay khách hàng và có nhiều kênh tin tức tham khảo. Theo quan điểm của cá nhân tôi, việc cầm 1 tỷ vnđ trong tay và lựa chọn nhà nhà ở thì đây chính là người tiêu dùng thông minh”, Lê Hoàng Châu nói.

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