The unit price of buying a second-hand house is generally higher than that of a new house. In the process of buying a second-hand house, it needs to be evaluated, which is generally higher than the price you bought, which means you have to pay more down payment.
For example, Xiao Wang bought a house in his hometown last year with a total price of 600,000 and an estimated value of 560,000. At that time, the down payment was 20%. The intermediary said that he wanted to round up the whole number, and he paid 6.5438+0.5 million. Since the assessment was not so much, he had to make up 40,000 yuan by himself, so he paid a down payment of 6,543.8+0.9 million yuan. If you buy a 600,000 new house, you only need to pay 654.38+0.
Second, the location difference.
Nowadays, most of the new houses in many cities are far away from the city center, and some new houses are built on the basis of urban demolition, which is slightly expensive. But the second-hand housing lots, environment and other aspects are good. On the whole, the location of second-hand houses is better than that of new houses.
Third, the differences in transaction processes.
The transaction process of a new house should be simpler: determining the qualification for buying a house → viewing and choosing a house → subscription → payment → loan → receipt of the house → occupancy.
Second-hand housing transaction process: house purchase qualification review → house inspection → property right verification → signing sales contract → paying down payment → buyer applying for loan → paying taxes and agency fees → transferring ownership → handing over utilities and property fees → collecting new house delivery, which faces the risk of developers' rights protection.
Fourth, the difference of property rights.
The property right of the new house is clear, the buyer is the first property owner, the service life is 70 years, and the new house has a high safety factor. Second-hand housing is a long-term housing, and the loan period also has an impact. Therefore, we must pay attention to property rights when buying second-hand houses.
Extended data
Advantages of second-hand houses
1. Second-hand houses usually have a good geographical location. Now, due to the expansion of the city, new buildings can only be built far away from the city center, and the transportation convenience is poor, which is far less than the second-hand houses built in the city center.
2. The surrounding facilities of second-hand houses are complete. It usually takes several years for a new community to become a mature community from the beginning of its establishment, so the surrounding facilities of new houses are generally not as good as second-hand houses, which is also an important reason why many people are keen to buy second-hand houses.
3. The quality of second-hand houses is more secure. After several years of use, the quality problems of the house will be exposed. Want to investigate the quality of second-hand housing, in addition to their own observation, but also communicate with neighbors, so that it is easier to buy a house with guaranteed quality.
One of the biggest problems in new houses is excessive pollution, such as formaldehyde, benzene and other harmful substances. After several years of use, the harmful substances in second-hand houses have basically volatilized. From a health point of view, it is more wise to choose a second-hand house.
If you are lucky enough to buy a second-hand house that will be demolished for a long time, you will get a considerable relocation and resettlement fee as compensation. Of course, houses that have been included in the demolition notice must not be bought.
reference data
Baidu encyclopedia-second-hand house