买房前先算账

zhè这jǐ几nián年fáng dì chǎn房地产shì chǎng市场de的biàn huà变化，ràng让hěn很duō多rén人de的mǎi买fáng房jì huà计划màn慢le了xià lai下来。

Changes in the property market over the past few years have slowed many people's plans to buy.

duì对pǔ tōng普通rén人lái来shuō说，dì第yī一bù步shì是suàn算qīng chu清楚zì jǐ自己měi每gè个yuè月néng能hái还duō shǎo多少qián钱。

For ordinary people, the first step is working out exactly how much they can repay each month.

gōng jī jīn公积金dài kuǎn贷款de的lì xī利息dī低，hěn很duō多rén人xiān先yòng用tā它，bù gòu不够de的bù fen部分zài再xiàng向yín háng银行jiè借。

Pinjaman rumah-dana membawa bunga rendah, begitu banyak menggunakannya pertama dan meminjam sisanya dari bank.

rú guǒ如果shǒu首fù付bù gòu不够，yǒu rén有人huì会bǎ把jiù旧fáng zi房子dǐ yā抵押chū qù出去，dàn但fēng xiǎn风险hěn很dà大。

If the down payment falls short, some people mortgage their old flat, which is very risky.

qiān签hé yuē合约zhī qián之前，yī dìng一定yào要bǎ把měi每yī一tiáo条tiáo kuǎn条款kàn看míng bai明白，yóu qí尤其shì是jiāo交fáng房rì qī日期。

Before signing the contract you must read every clause clearly, especially the handover date.

yǒu xiē有些lóu楼pán盘kāi gōng开工hěn很zǎo早，jiāo fù交付què却hěn很huǎn màn缓慢，yè业zhǔ主zhǐ néng只能děng等。

Beberapa perkembangan mulai konstruksi awal tapi tangan lebih sangat lambat, meninggalkan pemilik untuk menunggu.

wǒ我rèn shi认识de的yī一gè rén个人jiù就yīn wèi因为méi没kàn看qīng清tiáo kuǎn条款，duō多huā花le了shí十jǐ几wàn万。

One person I know spent over a hundred thousand yuan extra simply because he hadn't read the clauses closely.

suǒ yǐ所以mǎi买fáng房zhè这jiàn件shì事，nìng kě宁可duō多wèn问jǐ几gè rén个人，yě也bù yào不要zháo jí着急qiān zì签字。

So when buying a home, better to ask a few more people than to rush your signature.