2007年6月20日(星期三),女友从事房地产的姐夫说,正在建设中的期房──“莱镇·香格里”不错,小户型均价9100元/平方米,在北五环附近的清河小营桥,离西三旗、上地、中关村都比较近。

  2007年6月21日(星期四),我、女友还有她姐夫去了“莱镇·香格里”的售楼处咨询,并察看了工地,觉得还不错,当即交了5000元定金,选中了二期12号楼2单元8层一套期房:面积47.15平方米,总价419531元,首付89530元,2009年5月入住。

  2007年6月28日(星期四),我和GF再次前往“莱镇·香格里”售楼处,交完首付:89530元(构成:我家借银行贷款40000元+女友家30000元+借女友姐姐家8000元+我和女友积攒的12000元)。剩余的33万元等到楼房建成封顶后,通过每月还款2400元*20年的中国农业银行住房按揭贷款支付。

  6月28日,正好是中南民族大学举行2007届毕业生毕业典礼的日子,也正是这一天,在北京买房,不再是我们的梦想。

  我们现在买房的理由:

  1、北京的房价一直飞速上升,买房,就要先下手为强。

  2、北京的房价之所以持续上升,是受需求的影响,而非2008年奥运会,期待2008年后房价下降不太现实。

  3、北京市银监局2006年底召开了在京各股份制商业银行“房地产贷款风险情况通报会”,重申“凡是一手住房项目均必须主体结构封顶后方可发放按揭贷款”等规定,并表示,如发现违规问题将严肃处理,主要责任人要就地免职。也就是说,等到2008年5月楼房封顶后,我们才开始每月交2400元的按揭,这给了我们充足的时间去偿还首付89530元中的借款。

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