feat:新增css,cavas
@ -9,6 +9,61 @@ group:
|
||||
|
||||
## 动画案例
|
||||
|
||||
### 贪吃蛇
|
||||
|
||||
```jsx
|
||||
import React, { useRef, useEffect } from 'react';
|
||||
|
||||
export default () => {
|
||||
const canvasRef = useRef()
|
||||
|
||||
async function init() {
|
||||
var snake = [41, 40], //snake队列表示蛇身,初始节点存在但不显示
|
||||
direction = 1, //1表示向右,-1表示向左,20表示向下,-20表示向上
|
||||
food = 43, //食物的位置
|
||||
n, //与下次移动的位置有关
|
||||
box = canvasRef.current && canvasRef.current.getContext('2d');
|
||||
//从0到399表示box里[0~19]*[0~19]的所有节点,每20px一个节点
|
||||
|
||||
function draw(seat, color) {
|
||||
box.fillStyle = color;
|
||||
box.fillRect(seat % 20 *20 + 1, ~~(seat / 20) * 20 + 1, 18, 18);
|
||||
//用color填充一个矩形,以前两个参数为x,y坐标,后两个参数为宽和高。
|
||||
}
|
||||
|
||||
document.onkeydown = function(evt) { //当键盘上下左右键摁下的时候改变direction
|
||||
direction = snake[1] - snake[0] == (n = [-1, -20, 1, 20][(evt || event).keyCode - 37] || direction) ? direction : n;
|
||||
console.log([-1, -20, 1, 20][(evt || event).keyCode - 37]);
|
||||
};
|
||||
|
||||
function _move() {
|
||||
snake.unshift(n = snake[0] + direction); //此时的n为下次蛇头出现的位置,n进入队列
|
||||
if(snake.indexOf(n, 1) > 0 || n < 0 || n > 399 || direction == 1 && n % 20 == 0 || direction == -1 && n % 20 == 19) {
|
||||
//if语句判断贪吃蛇是否撞到自己或者墙壁,碰到时返回,结束程序
|
||||
return alert("GAME OVER!");
|
||||
}
|
||||
draw(n, "lime"); //画出蛇头下次出现的位置
|
||||
if(n == food) { //如果吃到食物时,产生一个蛇身以外的随机的点,不会去掉蛇尾
|
||||
while (snake.indexOf(food = ~~(Math.random() * 400)) > 0);
|
||||
draw(food, "yellow");
|
||||
} else { //没有吃到食物时正常移动,蛇尾出队列
|
||||
draw(snake.pop(),"black");
|
||||
}
|
||||
setTimeout(() => _move(), 150); //每隔0.15秒执行函数一次,可以调节蛇的速度
|
||||
}
|
||||
|
||||
box && await _move()
|
||||
}
|
||||
|
||||
return (
|
||||
<div style={{ background: '#000' }}>
|
||||
<button type="button" onClick={() => init()} >开始</button>
|
||||
<canvas ref={canvasRef} width="400" height="400" />
|
||||
</div>
|
||||
)
|
||||
}
|
||||
```
|
||||
|
||||
### 液体海报
|
||||
|
||||
<code src="./demos/demo1/index.jsx" />
|
||||
@ -356,7 +411,7 @@ class NightSky {
|
||||
}
|
||||
this.opt.canvas.width = this.opt.width
|
||||
this.opt.canvas.height = this.opt.height
|
||||
this.ctx = this.opt.canvas.getContext('2d')
|
||||
this.ctx = this.opt.canvas && this.opt.canvas.getContext('2d')
|
||||
this.opt.canvas.style.backgroundColor = '#000'
|
||||
this.starList = []
|
||||
this.draw = this.draw
|
||||
@ -455,7 +510,7 @@ export default () => {
|
||||
}
|
||||
```
|
||||
|
||||
### 移动
|
||||
### 移动(doing)
|
||||
|
||||
|
||||
```jsx
|
||||
@ -662,7 +717,7 @@ export default () => {
|
||||
import React, { useRef, useEffect } from 'react';
|
||||
|
||||
export default () => {
|
||||
const canvasRef = useRef()
|
||||
const solarRef = useRef()
|
||||
|
||||
function init() {
|
||||
let sun = new Image()
|
||||
@ -676,7 +731,7 @@ export default () => {
|
||||
|
||||
// 太阳系动画
|
||||
function solar() {
|
||||
let canvas = canvasRef && canvasRef.current
|
||||
let canvas = solarRef && solarRef.current
|
||||
let ctx = canvas.getContext('2d')
|
||||
|
||||
// 将目标图形置于上层
|
||||
@ -724,12 +779,12 @@ export default () => {
|
||||
}
|
||||
|
||||
useEffect(() => {
|
||||
init()
|
||||
}, [])
|
||||
setTimeout(() => init(), 1000)
|
||||
}, [solarRef])
|
||||
|
||||
return (
|
||||
<div>
|
||||
<canvas ref={canvasRef} width="300" height="300" />
|
||||
<canvas ref={solarRef} width="300" height="300" />
|
||||
</div>
|
||||
)
|
||||
}
|
||||
@ -742,11 +797,11 @@ export default () => {
|
||||
import React, { useRef, useEffect } from 'react';
|
||||
|
||||
export default () => {
|
||||
const canvasRef = useRef()
|
||||
const clockRef = useRef()
|
||||
|
||||
function clock() {
|
||||
let now = new Date()
|
||||
let canvas = canvasRef && canvasRef.current
|
||||
let canvas = clockRef && clockRef.current
|
||||
let ctx = canvas.getContext('2d')
|
||||
|
||||
ctx.save()
|
||||
@ -841,12 +896,12 @@ export default () => {
|
||||
}
|
||||
|
||||
useEffect(() => {
|
||||
window.requestAnimationFrame(clock)
|
||||
window.requestAnimationFrame(clock)
|
||||
}, [])
|
||||
|
||||
return (
|
||||
<div>
|
||||
<canvas ref={canvasRef} width="200" height="200" />
|
||||
<canvas ref={clockRef} width="200" height="200" />
|
||||
</div>
|
||||
)
|
||||
}
|
||||
|
51
docs/fea/canvas/demos/demo2/index.jsx
Normal file
@ -0,0 +1,51 @@
|
||||
import React, { useRef, useEffect } from 'react';
|
||||
|
||||
export default () => {
|
||||
const canvasRef = useRef()
|
||||
|
||||
// function init() {
|
||||
// var snake = [41, 40], //snake队列表示蛇身,初始节点存在但不显示
|
||||
// direction = 1, //1表示向右,-1表示向左,20表示向下,-20表示向上
|
||||
// food = 43, //食物的位置
|
||||
// n, //与下次移动的位置有关
|
||||
// box = document.canvasRef && document.canvasRef.current && document.canvasRef.current.getContext('2d');
|
||||
// //从0到399表示box里[0~19]*[0~19]的所有节点,每20px一个节点
|
||||
|
||||
// function draw(seat, color) {
|
||||
// box.fillStyle = color;
|
||||
// box.fillRect(seat % 20 *20 + 1, ~~(seat / 20) * 20 + 1, 18, 18);
|
||||
// //用color填充一个矩形,以前两个参数为x,y坐标,后两个参数为宽和高。
|
||||
// }
|
||||
|
||||
// document.onkeydown = function(evt) { //当键盘上下左右键摁下的时候改变direction
|
||||
// direction = snake[1] - snake[0] == (n = [-1, -20, 1, 20][(evt || event).keyCode - 37] || direction) ? direction : n;
|
||||
// console.log([-1, -20, 1, 20][(evt || event).keyCode - 37]);
|
||||
// };
|
||||
|
||||
// !function() {
|
||||
// snake.unshift(n = snake[0] + direction); //此时的n为下次蛇头出现的位置,n进入队列
|
||||
// if(snake.indexOf(n, 1) > 0 || n < 0 || n > 399 || direction == 1 && n % 20 == 0 || direction == -1 && n % 20 == 19) {
|
||||
// //if语句判断贪吃蛇是否撞到自己或者墙壁,碰到时返回,结束程序
|
||||
// return alert("游戏结束!");
|
||||
// }
|
||||
// draw(n, "lime"); //画出蛇头下次出现的位置
|
||||
// if(n == food) { //如果吃到食物时,产生一个蛇身以外的随机的点,不会去掉蛇尾
|
||||
// while (snake.indexOf(food = ~~(Math.random() * 400)) > 0);
|
||||
// draw(food, "yellow");
|
||||
// } else { //没有吃到食物时正常移动,蛇尾出队列
|
||||
// draw(snake.pop(),"black");
|
||||
// }
|
||||
// setTimeout(arguments.callee, 150); //每隔0.15秒执行函数一次,可以调节蛇的速度
|
||||
// }();
|
||||
// }
|
||||
|
||||
useEffect(() => {
|
||||
// setTimeout(() => init(), 2000)
|
||||
}, [])
|
||||
|
||||
return (
|
||||
<div>
|
||||
<canvas ref={canvasRef} width="400" height="400" style="background-color: black">对不起,您的浏览器不支持canvas</canvas>
|
||||
</div>
|
||||
)
|
||||
}
|
0
docs/fea/canvas/demos/demo2/index.less
Normal file
@ -48,7 +48,8 @@
|
||||
border: 1px solid ;
|
||||
font-family: 'Righteous' sans-serif;
|
||||
font-weight: 300;
|
||||
font-size: 20;
|
||||
font-size: 20px;
|
||||
text-align: center;
|
||||
transition: .5s;
|
||||
letter-spacing: 1px;
|
||||
}
|
||||
@ -100,4 +101,57 @@
|
||||
}
|
||||
}
|
||||
}
|
||||
.button-container-4 {
|
||||
position: relative;
|
||||
height: 45px;
|
||||
width: 200px;
|
||||
background: #fff;
|
||||
color: #6cf;
|
||||
text-align: center;
|
||||
line-height: 45px;
|
||||
-webkit-box-sizing:border-box;
|
||||
box-sizing:border-box;
|
||||
margin: 40px auto;
|
||||
border: 1px solid #ccc;
|
||||
cursor: pointer;
|
||||
}
|
||||
.button-container-4::before {
|
||||
content: "";
|
||||
position: absolute;
|
||||
display: block;
|
||||
width: 0;
|
||||
height: 1px;
|
||||
right: -2px;
|
||||
top: -2px;
|
||||
background-color: #6cf;
|
||||
z-index: -1;
|
||||
transition: width .4s linear, height .4s linear;
|
||||
}
|
||||
.button-container-4::after {
|
||||
content: "";
|
||||
position: absolute;
|
||||
display: block;
|
||||
width: 0;
|
||||
height: 1px;
|
||||
left: -2px;
|
||||
bottom: -2px;
|
||||
background-color: #6cf;
|
||||
z-index: -1;
|
||||
transition: width .4s linear, height .4s linear;
|
||||
}
|
||||
.button-container-4:hover {
|
||||
&::before {
|
||||
content: "";
|
||||
transition: width .4s linear, height .4s linear;
|
||||
width: 201px;
|
||||
height: 46px;
|
||||
}
|
||||
&::after {
|
||||
content: "";
|
||||
transition: width .4s linear, height .4s linear;
|
||||
width: 201px;
|
||||
height: 46px;
|
||||
}
|
||||
}
|
||||
|
||||
}
|
@ -18,7 +18,10 @@ export default (): any => {
|
||||
</div>
|
||||
<div className="btn button-container-3">
|
||||
<span className="mas">MASK2</span>
|
||||
<button type="button" name="Hover">MASK2</button>
|
||||
<button type="button" name="Hover">MASK3</button>
|
||||
</div>
|
||||
<div className="button-container-4">
|
||||
描边动画
|
||||
</div>
|
||||
</div>
|
||||
)
|
||||
|
@ -13,7 +13,7 @@ group:
|
||||
|
||||
<code src="./demos/demo1/index.tsx" />
|
||||
|
||||
### 涂鸦按钮
|
||||
### 按钮合集
|
||||
|
||||
<code src="./demos/demo2/index.tsx" />
|
||||
|
||||
|
@ -5,16 +5,41 @@ hero:
|
||||
actions:
|
||||
- text: 开始学习
|
||||
link: /fea
|
||||
# features:
|
||||
# - icon: https://gw.alipayobjects.com/zos/bmw-prod/881dc458-f20b-407b-947a-95104b5ec82b/k79dm8ih_w144_h144.png
|
||||
# title: Feature 1
|
||||
# desc: Balabala
|
||||
# - icon: https://gw.alipayobjects.com/zos/bmw-prod/d60657df-0822-4631-9d7c-e7a869c2f21c/k79dmz3q_w126_h126.png
|
||||
# title: Feature 2
|
||||
# desc: Balabala
|
||||
# - icon: https://gw.alipayobjects.com/zos/bmw-prod/d1ee0c6f-5aed-4a45-a507-339a4bfe076c/k7bjsocq_w144_h144.png
|
||||
# title: Feature 3
|
||||
# desc: Balabala
|
||||
features:
|
||||
- icon: http://jzx-h5.oss-cn-hangzhou.aliyuncs.com/logo.png
|
||||
title: NiceCode
|
||||
desc: <a href="https://nicecoders.github.io/nicecode/#/">前端工具合集</a>
|
||||
- icon: https://ahooks.js.org/logo.svg
|
||||
title: aHooks
|
||||
desc: <a href="https://ahooks.js.org/zh-CN">react hook 拓展库</a>
|
||||
- icon: https://gw.alipayobjects.com/zos/rmsportal/KDpgvguMpGfqaHPjicRK.svg
|
||||
title: antd
|
||||
desc: <a href="https://ant.design/index-cn">react 样式库</a>
|
||||
- icon: https://zos.alipayobjects.com/rmsportal/wIjMDnsrDoPPcIV.png
|
||||
title: antd-mobile
|
||||
desc: <a href="https://mobile.ant.design/index-cn">react 移动端样式库</a>
|
||||
- icon: https://zos.alipayobjects.com/rmsportal/TOXWfHIUGHvZIyb.svg
|
||||
title: ant-motion
|
||||
desc: <a href="https://motion.ant.design/index-cn">react 动效库</a>
|
||||
- icon: https://gw.alipayobjects.com/zos/bmw-prod/8a74c1d3-16f3-4719-be63-15e467a68a24/km0cv8vn_w500_h500.png
|
||||
title: qiankun
|
||||
desc: <a href="https://qiankun.umijs.org/">react 微应用</a>
|
||||
- icon: https://gw.alipayobjects.com/zos/rmsportal/KDpgvguMpGfqaHPjicRK.svg
|
||||
title: antv
|
||||
desc: <a href="https://antv.vision/zh">react 数据可视化</a>
|
||||
- icon: https://pro.ant.design/favicon.png
|
||||
title: antd-pro
|
||||
desc: <a href="https://pro.ant.design/zh-CN/">react 中台解决方案</a>
|
||||
- icon: https://zos.alipayobjects.com/rmsportal/HXZvKsbcQljpFToWbjPj.svg
|
||||
title: scaffold
|
||||
desc: <a href="https://scaffold.ant.design">react 脚手架市场</a>
|
||||
- icon: https://img.alicdn.com/tfs/TB1YHEpwUT1gK0jSZFhXXaAtVXa-28-27.svg
|
||||
title: umi
|
||||
desc: <a href="https://umijs.org/">react 应用框架</a>
|
||||
- icon: https://gw.alicdn.com/tfs/TB1eGsrk79l0K4jSZFKXXXFjpXa-347-340.png
|
||||
title: midway
|
||||
desc: <a href="http://www.midwayjs.org/doc/">企业级 node 框架</a>
|
||||
|
||||
footer: Open-source MIT Licensed | Copyright © 2020<br />Powered by Json
|
||||
---
|
||||
|
||||
|
1027
docs/other/house/2017.md
Normal file
251
docs/other/house/2020.md
Normal file
@ -0,0 +1,251 @@
|
||||
---
|
||||
nav:
|
||||
title: 其它
|
||||
path: /other
|
||||
group:
|
||||
title: 💊 买房攻略
|
||||
order: 1
|
||||
---
|
||||
|
||||
# 💊 买房攻略2020
|
||||
|
||||
`以下是 github 上 DongDavid 分享文章`
|
||||
|
||||
>2020年5月份,我在杭州买了个房子。记录一下。
|
||||
|
||||
本来我是准备把整个买房的过程都详细的记录下来的,但是中间事情比较多,有的事情就没有记录了。
|
||||
|
||||
## 软装即将更新
|
||||
|
||||
明明以为精装的房子交房只需要买个家具,然而业主群里面一直在讨论软装的事情,也有一大堆的软装公司打电话来推销。。。
|
||||
感觉怕是免不了软装了。
|
||||
|
||||
|
||||
|
||||
## 整体流程
|
||||
|
||||
整个流程大致是这样的。
|
||||
|
||||
* 摇号
|
||||
* 选房
|
||||
* 付定金
|
||||
* 付首付
|
||||
* 签约-认购书
|
||||
* 办理贷款
|
||||
* 签合同-房屋买卖合同(预售)
|
||||
|
||||
## 遇到的坑
|
||||
|
||||
* 贷款
|
||||
* 贷款
|
||||
* 贷款
|
||||
|
||||
[^_^]:
|
||||
重要的事情说三次
|
||||
|
||||
## 讲重点
|
||||
|
||||
首先说一下我买的房子吧。
|
||||
我因为家里老是催,所以在2020年5月份跑去摇号了(本来是想着应付一下的,毕竟不想当房奴)。
|
||||
当时随便选了几个200万以下的报名摇号,因为贫穷。。。😊
|
||||
|
||||
### 摇号其实也挺坑的
|
||||
|
||||
就不说2019年那几次摇号事件了,我5月份本来准备报一个楼盘的,结果填了一波报名资料,提交的时候提交不了。然后加了销售的微信问了一下,这个楼盘居然是不摇号,已经开始卖了,认购的, 先到先得。。。当时我心里是一个卧槽啊(这个楼盘是个毛胚,14000左右的单价,在大江东那边),当时我想了一下要不干脆买这个吧, 这么便宜。总价在150万以内。只是后来又到处搜了一下,发现那个楼盘好像是有个化学厂啥的= = ,而且地方也略显偏僻,就直接放弃了。。。
|
||||
|
||||
**不需要摇号的楼盘都不是好楼盘**,这句话在某种程度上是有道理的。但是真正的好楼盘我等估计是没机会摇到的。那些万人摇的楼盘大多都不需要冻结资金,这就导致了一大波的混子也去凑人头了。
|
||||
|
||||
***
|
||||
|
||||
那一天,老老实实上班的我突然接到了一个电话,是销售打来的,本来我以为是那种推销的电话,还不准备接的= = 自从我第一次摇号之后,就经常接到卖房、贷款之类的骚扰电话,TM的为什么这种肆无忌惮的打骚扰电话的销售就没人管一下吗?
|
||||
|
||||
>摇号其实摇的就是一个选房顺序,所有的购房者根据自己的号码按照顺序选房,我是39号,说明这两栋楼100多个坑,我是第39个选的。
|
||||
比如房源有100套,那么摇号前100顺位的都算摇中了。这个时候如果放弃的话,就算弃选,好像是一年内放弃3次就会被禁止参与摇号多久来着。
|
||||
|
||||
最终我接起了那个电话, 并且人家告诉我我摇到了第39号,瞬间惊了我一下下。
|
||||
我从去年开始第一次摇号,摇了两个月, 都是去凑人头的,然后就没有摇了,今年也是5月份才开始摇号,本来也没报什么希望的, 居然就中了一个这么靠前的位子。
|
||||
|
||||
|
||||
### 选房
|
||||
|
||||
今年因为疫情的影响,选房大多变成了线上选房。
|
||||
通常都有一次模拟选房和实际选房。
|
||||
|
||||
到时候销售会发给你教程的,其实挺简单的, 只是那个线上选房的直播延迟不是一般的大,慢了30多秒,可真是辣鸡。
|
||||
|
||||
线上选房是在指定时间,通过支付宝里面的公证云选房小程序进行选房。选房的时候摇看着倒计时和选房顺序号来选房,那个直播不用理他。
|
||||
|
||||
选房的时候根据楼盘的不同要付定金,通过1-3万吧。**这个定金是不会退的**。
|
||||
所以你要确定你想要的房子还有再去选, 要不然选了一个自己不要的,就比较尴尬了。到时候放弃了要亏1、2万。
|
||||
|
||||
我顺序比较靠前, 就选了一个12楼的边套(西边套的,总共20楼),虽然有西晒,但是比中间套的好呀,毕竟东边套都是115m的户型,200多万的买不起。。。
|
||||
|
||||
选房子也是艰难,家里略迷信,所有我只好避开来13、14、18几个楼层。顶楼又不要,低于8楼的也不要(南边有一栋8层高的小高层,怕挡光),所以就要在9、10、11、12、15、16、17之间选了,我个人不喜欢高楼,万一出事了跳楼都莫的跳,奈何买不起排墅。
|
||||
|
||||
于是选了12楼。
|
||||
|
||||
|
||||
### 付首付
|
||||
|
||||
在选房完成之后,楼盘的要求是3天内付20万,7天内付清首付,并且提交贷款申请资料。
|
||||
|
||||
这里就没啥好说的了, 老老实实交钱,然后拿了发票,再签个认购书。
|
||||
|
||||
### 办理贷款
|
||||
|
||||
贷款分为纯商业贷款、公积金贷款、组合贷款三种。
|
||||
|
||||
其中组合贷款是指贷款金额中一部分为商业贷款,一部分为公积金贷款。
|
||||
|
||||
公积金的贷款利率比较低,固定为3.25%
|
||||
而商业贷款的利率则比较高,是根据LPR来定的,基于LPR固定上浮多少。
|
||||
|
||||
我办贷款的时候, 几家银行的利率大多在5.05-5.15之间。当时的LPR是4.65,所以上浮基点在40-50之间。都差不多。找一家利率最低的,而去能够办的出贷款的银行办理就行。
|
||||
|
||||
因为办理贷款的时候, 是要求你的月收入大于月供的一倍才可以。有的银行只需要你刚好一倍就行,而有的银行则需要你要比月供的一倍更高一些。而且有的银行还会去查你的资金流水。
|
||||
|
||||
我因为个人原因,只能是在几家不需要查流水的银行办理贷款,因为我的公司不能虚开收入证明(大部分私营企业是可以帮忙给你的收入证明开的高一些的)。
|
||||
|
||||
#### 知识点
|
||||
|
||||
* 公积金贷款必须还清了之后才能继续使用公积金办理贷款
|
||||
* 杭州的公积金贷款单人上限是50万,夫妻是100万。
|
||||
* 公积金一个人一辈子只能用来办理两次房贷
|
||||
* 如果你单身的时候,用了两次公积金贷款,那么你结婚之后, 就无法办理家庭公积金贷款了,只能是你老婆单独办理公积金贷款,贷50万。
|
||||
* 如果你和你老婆都在结婚前已经办理了两次公积金贷款,那么婚后你们就无法在办理公积金贷款了, 只能是办理纯商业用公积金去还贷款。
|
||||
* 如果你和你老婆在婚前都没有办理过公积金贷款,那么你和你老婆可以一起办理两次家庭公积金贷款, 上限100万的那种。
|
||||
* 商业贷款利率是LPR+上浮基点
|
||||
* 商业房贷的利率是每年都在变得,因为LPR每个月都会变一次。我办理贷款的时候, 银行上浮的基点是40个基点的话, 那么我的利率就是LPR+40.
|
||||
比如今年的LPR是4.65,那么我今天的房贷利率是5.05。明年的LPR是4.20的话,那么我明年的房贷利率就变成了4.60。
|
||||
* LPR会在每个月的20号进行更新,每年的房贷利率一般是根据每年1月1号的LPR来定的(也就是去年12月20日更新的LPR)。
|
||||
* 大部分银行都要求组合贷款只能是一个人办理,不支持父母共还。
|
||||
* 意思是如果你要办理组合贷款的话,那么这个贷款必须要由你自己单独办理(或者夫妻也行),要求你自己的月收入大于月供的一倍才行。
|
||||
* 当然也有少部分银行允许办理组合贷款的时候父母共还。也就是说当你的月收入没有达到月供的一倍的时候,你就需要请你的父母来一起办理贷款,你和你的父母的月收入加起来超过来月供的一倍就可以了,比如浙商银行、交通银行是支持这样的。
|
||||
* 贷款并不是办理成功后就要开始还房贷,而是银行放款给开发商后, 你才需要开始还房贷。
|
||||
* 公积金贷款放款需要等房子结顶后才放款(结顶是指房子主体部分已经完成,形象的说就是顶楼也盖好了)
|
||||
|
||||
|
||||
所以说婚前买房比婚后买房要贵好多, 要多还很多贷款,差了50万公积金,利息多了好多。
|
||||
因为婚前买房, 你只能是办理单人公积金贷款,贷50万, 剩下的都要办商业贷款。
|
||||
而婚后买房,你可以和你老婆一起办理家庭公积金贷款,贷100万。
|
||||
|
||||
我们来举个例子:
|
||||
房子总价是180万。
|
||||
首付是180*30% = 54万。
|
||||
贷款金额是126万。
|
||||
贷款年限30年。
|
||||
|
||||
单人办理贷款:
|
||||
50万公积金+76万商业贷款。
|
||||
还款总额: 2260487.32
|
||||
月供:6279.13
|
||||
支付的利息:1000487.32
|
||||
夫妻家庭贷款:
|
||||
100万公积金+26万商业贷款
|
||||
还款总额:2072071.89
|
||||
月供:5755.76
|
||||
支付的利息:812071.89
|
||||
|
||||
差了**20万**的利息
|
||||
|
||||
当时我自己算了一下, 差点就准备放弃了, 等结婚后再买吧。。。
|
||||
|
||||
只是后来朋友和我说, 并不是每个人的公积金都能贷满50万的额度的,有的人甚至没有公积金。你总不能在谈女朋友的时候先问一句你有公积金吗?😂
|
||||
|
||||
我觉得好有道理啊, 然后还是买吧。
|
||||
|
||||
申请完贷款之后,就等网签了。
|
||||
|
||||
办理贷款的时候我觉得我就是个工具人,只会签字画押的工具人(我的签名从楷书写到草书,因为我办理的是组合贷款, 所以很多文件我都要签4份)
|
||||
|
||||
### 网签
|
||||
|
||||
网签就是签预售合同。在首付已付清,贷款已经提交申请资料后,等房管局那边排队排到了之后,去开发商那里签房屋预售合同,并且在房管局备案。
|
||||
|
||||
网签之后,银行那边就会帮你提交贷款申请,然后就没我什么事情了。
|
||||
|
||||
我除了签预售合同之外,还签了一个房屋装修协议、一个《前期物业服务协议》《临时管理规约》
|
||||
|
||||
房屋装修协议是房屋装修的一个补充协议,这里就不说了。
|
||||
《前期物业服务协议》是指在交房后到业主委员会成立并且选择新的物业之前,由开发商指定的物业暂时管理小区,是业主对物业的要求。
|
||||
《临时管理规约》是物业对业主的要求。
|
||||
|
||||
## 贷款
|
||||
|
||||
这是我的第一个还款日,正式还了第一笔房贷。
|
||||
|
||||
6月初办理的贷款
|
||||
|
||||
6月中旬 商业贷款审批完成 - 商业贷款审批完成后,银行才会把你的材料送去公积金中心审批
|
||||
|
||||
6月中旬 公积金贷款审批完成 - 我的公积金贷款审批完成时间和商业贷款审批完成时间差了两天
|
||||
|
||||
7月初 商业贷款发放
|
||||
|
||||
8月初 公积金贷款发放
|
||||
|
||||
8/20 开始扣第一笔贷款,但是这个第一笔还款金额是只有商业贷款的(因为公积金放款比较晚,所以8/20不需要还)
|
||||
|
||||
8/20 银行的客户经理把我的贷款合同寄给了我。
|
||||
|
||||
## 公积金提取
|
||||
|
||||
公积金逾期不计入征信的, 及时补上就行.
|
||||
|
||||
### 公积金首付提取
|
||||
|
||||
在办理住房贷款后,会有一次提取公积金余额的机会.
|
||||
|
||||
全程支付宝操作,大约1-2分钟就好了,期间需要用到购房合同编号.
|
||||
|
||||
申请提取后公积金基本上是秒到账,直接打到银行卡里面了.
|
||||
|
||||
[公积金提取教程](https://mp.weixin.qq.com/s/0BGXJRYuEhY5Ez0LByBKQg
|
||||
)
|
||||
|
||||
### 公积金自动还款
|
||||
|
||||
在提取了一次公积金之后, 就无法再通过贷款首付提取的方式提取公积金了, 接下来需要办理公积金自动还款来每个月自动提取公积金到银行卡.
|
||||
|
||||
[公积金自动还款教程](https://mp.weixin.qq.com/s/klrmtu9WbAlHUsYuVn_M6Q)
|
||||
|
||||
|
||||
## 车位
|
||||
|
||||
8/20 收到了房产销售的通知
|
||||
|
||||
小区车位要开盘了
|
||||
|
||||
小区车库有地下一层和地下二层
|
||||
|
||||
二层的车位比一层的便宜
|
||||
|
||||
二层的车位是 17.5-18万左右,优惠后15.5-16万左右
|
||||
|
||||
一层的车位是 19.5-20.5万左右,优惠后17.5-18.5左右
|
||||
|
||||
车位也是线上买(支付宝里面 筑家易 生活号),车位可以贷款买。
|
||||
|
||||
在线认购时需要交2000元定金,确认后,再去线下签约。
|
||||
|
||||
emmm... 车位比车贵系列,反正我不买,早点还掉贷款省点利息不香嘛。。。
|
||||
|
||||
|
||||
|
||||
|
||||
## 总结
|
||||
|
||||
* 买房过程中的各种合同协议,其实我是基本看不懂的, 人家给我什么我就签什么了。
|
||||
毕竟都是制式合同,也不晓得能不能签补充协议之类的。总不能因为这个就不买是吧😂
|
||||
|
||||
* 签字是个体力活,建议锻炼好你的小胳膊
|
||||
|
||||
* 买房之前考察一下周边环境,交通、学校、商业中心之类的, 最重要的是不要有垃圾场、化工厂之类的。至于室内布局, 大家都那样,89m的室内布局半斤八两,没啥区别。精装修的吧装修清单也就是随便看看,毕竟不会为你改变, 不满意只能是在交房之后,再去自己拆了重来。
|
||||
|
||||
* 先问清楚楼盘合作的银行有哪些、支持哪些贷款方式,比如是否需要查流水、组合贷是否支持共还之类的。计算好自己的收入证明是否能够办的下贷款。
|
||||
|
||||
* 我的房子是2021年12月31日交房,然后再装修半年,2022年6月才能住进去。开发商也给了一张6个月的物业管理费抵扣券。
|
||||
|
||||
* 贷款的利率,银行的业务经理应该是有权限稍微调整上浮基点的。因为那么多家银行,有的是5.05,有的是5.15,明显是5.05的好办。当时我问了两家银行,一家是5.10的, 另一家5.05的。然后5.10那家银行的业务经理跟我说也可以给我降到5.05.
|
||||
|
||||
* 因为是线上选房,导致我到现在都没有找到哪里能加个业主群,早知道当时线下签约的时候,多加几个业主的微信了。
|
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