Can you give me some advice on buying a house?

Want to buy a second-hand house, the first thing to say is the problem that second-hand house novices are most likely to ignore. Excluding the room fee, expenses: deed tax/individual tax/agency fee and possible personal income tax/maintenance fund, don't underestimate every point, but if you calculate with a 200W house, it adds up to 65,438+million, mainly because you have to pay cash for this part of the money, which means you have to prepare enough down payment. We need to prepare more cash, so friends with tight budgets must save this money before choosing a house according to the house price. Another difference in cost is that the bank and the intermediary will jointly evaluate the total price of your house, which will generally be lower than the actual transaction price, that is, a set of 200W house estimated value 180. You originally planned to make a down payment of 60, and the loan 140 will become a down payment requirement of 200 W. I have never actually experienced this part, but I have consulted the intermediary. If I am wrong, I hope Douyou will point it out and correct it. In the end, what your consulting agent said will prevail. Then there is the question of intermediary selection. Personally, I prefer to find a chain intermediary. First, there are many houses, and second, there is security. Don't think about contacting the landlord directly online. So many intermediaries are active online every day, which round will get you? Moreover, Qingdao's intermediary model, all kinds of expenses are actually paid by property buyers, and the landlord does not want to save trouble, so he hangs it to the intermediary. If you really care about the agency fee, then find a big agency to understand the overall second-hand market in a certain area. Just find yourself an agent in the mom-and-pop shop and see if you can find any loopholes. The premise is that you can know the whole process of buying a second-hand house in advance and the details that need attention. The agency fee is now 3%, and you can get a 10% discount at present. Then the Q room is also 3%, which can be discounted, but the service really doesn't feel like a professional chain home. There is also a 2 1 century room, which I have never experienced. There are two things in Amway, one is the APP of chain home. The price is real, and you can also find the record of the historical transaction price of the community. The only complaint is that the down payment standard for second-hand houses of Chain Home Network is still a minimum of 20%. In fact, this year's adjustment is impossible to implement. The lowest price at present is 25% off. Specific policies are more reliable, and banks will make more adjustments in the near future. Then many friends searched for Anjuke as soon as they searched the house, and put more advertisements on Baidu. It doesn't change the fact that a lot of his information is out of date. If there are other reliable second-hand housing networks, you can leave a message and recommend them. Second, if you go to a chain store to see the house, you can directly ask him to show you the exclusive room of the chain store, that is, the fast-selling room, which only their employees can see. The exclusive house is usually signed by the salesman of the chain store himself, and extra fees need to be paid to the landlord. Therefore, if the price is not high and cannot be sold quickly, the salesman himself will lose money. This is equivalent to the intermediary of the front line of business.