I wonder if my friends feel the same way as me. How can it be so difficult to buy a second-hand house? It is often the intermediary who shows more than a dozen houses, and none of them are satisfactory. The last one was satisfied, either because of the high price or because the landlord changed his mind and finally signed the contract, only to be temporarily told that there were some other problems in the house.
Jesus, Lulu! Why is it so difficult to buy a second-hand house? The main reasons are as follows:
1, dissatisfied heart
After all, buying a house is a big expense. When buying a second-hand house, everyone wants to buy a house with convenient transportation, good school district housing, good housing quality, comfortable living environment and good orientation ... But in reality, a house can only meet one or two needs, either the school district house is broken, or the community environment is good and expensive, and it is empty to pick and choose.
2, unreliable intermediary
At present, the professional ability of intermediaries is indeed uneven. Some agents told him about their needs for more than a dozen times, and always took you to see the house he thought was easy to sell, and often there was no key for you to see the house, contact the landlord, didn't understand the actual situation of the house, changed their attitude after collecting the agency fee, and did not inform the risk in advance, so that you could apply for a loan in their company.
3. Landlord who often changes his mind
When I was looking at the second-hand house, it was completely collapsed by the landlord during 20 19 -2020. Good prices have been settled. When preparing to sign the contract, the landlord temporarily changed his mind and added 10w. One night later, he added 20w ... He was speechless and angry and didn't buy it. It's almost the same to look at other houses, let alone reduce the price. They all started from scratch, and even a house rose from the initial 150w to the final 260w. No matter how good the house is, it is useless to meet a landlord who is not sincere in selling it.
4. Policy factors
First of all, you have to meet the constantly adjusting housing qualifications in your city. After I was qualified to buy a house, I saw a lot of houses for two years. The two-year house will be relatively new and the price will be acceptable. As a result, I said the price link. The city suddenly adjusted the period of exemption from value-added tax from two years to five years, which led to an increase in the cost of buying a house, and the landlord did not reduce the price or even increase the price. Looking at the skyshatter community for five years, it has also ushered in a wave of price increases, which really treats buyers as leeks. Moreover, the loan interest rate of commercial banks has also risen from the previous 5% to 6%, which is very unfriendly to those who really need to buy a house! ! !
5. Budget issues
In fact, most buyers want to buy a house by down payment+commercial loan+provident fund loan, but it backfires. 20 19 -2020, especially after the outbreak, the landlord retaliated against the price increase and the bank loan interest rate increased, resulting in higher and higher housing costs;
202 1, the bank restricts loans, and the landlord is willing to reduce the price 10w-20w. However, the requirement of full or full commercial loans has also upgraded the cost and difficulty of buying a house. If it is a small partner who successfully bought a house in 202 1, he should have a deep understanding, high price+high loan, and urge the bank to lend money every day.
These are the main reasons why second-hand houses are difficult to buy. 20 19 -202 1 The first half of the year was basically a seller's market, and the buyer had no more bargaining chips. Since the second half of 20021,the market has gradually become a buyer's market. With the liberalization of bank loans, buyers can have more time to choose and bargain.