2. Or you can bring the ID card of the owner of the property and go to the local housing authority to inquire.
What preparations do you need to make before buying a house?
1. Clarify the demand for buying a house: Many people just want a house of their own and have not considered what kind of house to buy. In fact, the situation of each family is different, and the houses suitable for buying are different. Before buying a house, buyers must carefully weigh their housing needs, prioritize, determine what they need urgently according to their actual situation, and start rationally and in a planned way.
2. Understand the loan policy: Every city has different policies on the real estate market. Property buyers should understand the purchase policy before preparing to buy a house. Nowadays, many cities restrict purchases and loans, and the down payment ratio of loans for the first suite, the second suite and the third suite is different. Before buying a house, you should find out whether you can refinance and how much is the down payment.
3. Evaluate your purchasing power: For first-time buyers, there is no purchasing experience, so before buying a house, you need to evaluate your purchasing power, including family income and expenditure, whether there will be a lot of consumption in the next few years, whether the work needs to be changed, renovation costs and the cost of buying furniture and appliances. Only when all kinds of factors are fully considered when planning the budget of buying a house, the budget planning made in this way is the most reasonable.
4. Choose the right way to buy a house: There are two main ways to buy a house, one is to buy a house in full, and the other is to buy a house with a loan. There are many choices to make when buying a house with a loan, such as loan amount and loan term. When choosing the loan term, some friends will choose a shorter loan term to reduce interest expenses, but the consequence of doing so is the monthly disposable expenses.
5. Prepare other expenses: In addition to the house payment, the buyer also needs to prepare some other funds, such as water, electricity, cable TV and telephone opening fees. Property regulations vary from place to place, and the notice of repossession issued by the developer shall prevail. If you buy a second-hand house, you must pay attention to the attribution of these expenses with the original owner.