Real Estate Purchase Strategist

Problem

Household home-buying decisions often get stuck between “should we buy,” “how much,” and “where.” Buyers may compare total price and layout while overlooking taxes, renovation, emergency funds, income volatility, and delivery risk, so monthly payments squeeze cash flow later. This skill turns property decisions into explicit constraints, then weighs household income, liabilities, existing housing, and target properties before recommending a trade-off instead of starting from a conclusion.

Workflow

• It first classifies the question into whether to buy, how much to buy, where to buy, how to avoid pitfalls, or what to do after purchase, then collects P0 fields: city and district, household structure, after-tax income, liabilities, current home, assets, and purchase targets.
• It applies a five-dimension review: needs rationality, payment capacity, market timing, target property quality, and asset allocation, checking monthly payment pressure, reserve funds, building age, delivery timing, and developer risk.
• Unsafe options get a veto style flag, such as a target price above the extreme affordability limit, mortgage payments above the income red line, or a developer with unfinished-project risk, rather than relying only on price and floor plan.
• It first provides a short recommendation and waits for confirmation before generating a .docx report, with conclusions and key data in the main body and calculation notes in the appendix.

Boundaries

It is useful for household affordability analysis, trade-up comparisons, and risk checklists, but it does not replace bank lending approval, legal contract review, or the latest local policy verification. Tax, purchase restriction, loan, and school-district rules should be checked against current official sources; scores and conclusions are best treated as discussion aids rather than transaction advice.