Category 1: second-hand houses with a room age of more than 20 years.
Banks will review the age of second-hand houses when approving loans, which generally requires 20-25 years, but the strict bank is 10- 15 years. If the house is too old, the loan amount may be reduced or even refused. When buying a house, the age of the house is 20 years. It's hard to change hands in the future.
The second category: houses far from the subway and with inconvenient transportation.
Transportation is very important for buying a house. Houses close to the subway are more conducive to self-occupation and rental. You think so? Other buyers are not stupid. You must choose a location with convenient transportation when buying a house.
The third category: suburban housing with backward planning and supporting facilities.
Location is also a factor to consider. The facilities in the downtown area are comprehensive, but the number of new houses is limited. Most new houses are in the suburbs. There are not even decent parks and supermarkets around some new houses in the suburbs, except those that are all dirt roads. If there is no reasonable planning, such a house will not change hands easily after being bought, so don't neglect long-term planning for cheap prices.
The fourth category: large-sized units with an area exceeding 120 square meters.
For ordinary families, the small apartment of 60-80 square meters is preferred, followed by 90- 120 square meters. Especially in big cities, the overall housing price is high and the purchasing power of buyers is limited. Only a few people can afford a large apartment of 120 square meters, so for buyers, small apartments are easier to sell, and large apartments are not easy to change hands.
The fifth category: affordable housing purchased for less than 5 years.
There are certain regulations for the re-listing of affordable housing. It takes five years to go public and pay high taxes. Therefore, when applying for affordable housing, we should consider the problem of selling it later.
Category VI: Houses with incomplete documents
Some houses were built without legal planning permission and other documents. This kind of house has no rights protection, and smart people will not buy it, so it is naturally not easy to sell. In addition, a small property right house without a property right certificate, from a legal point of view, is a house without a legal owner and cannot be listed and traded.
Category 7: Demolition and resettlement houses
In the actual construction of resettlement houses, the apartment design is relatively limited, and some apartments are said to face south, but due to the irregular layout, the light will be blocked by the wall and the ventilation is not very good. Demolition of resettlement houses cannot bring profits to developers. In order to improve the floor area ratio, some relocated houses will be designed as 2 floors, 6 households or 7 households. Usually, the design of commercial housing is 1 floor or 2 floors with 4 households. Excessive overall floor area ratio will affect the living comfort.
Class VIII: High-rise buildings with a height exceeding 30 meters.
From the point of air quality, the air quality of houses above 30 meters will be worse, and the air will be thinner, which is not conducive to the health of residents suffering from heart disease, cardiovascular and cerebrovascular diseases. In addition, the reinforced concrete structure will force the electric waves emitted by electrical equipment to circulate along the building, and a considerable part of them will go up to the top floor, so high-rise residents are more likely to have headaches. When choosing floors, high-rise buildings should be carefully selected.
Category IX: Houses with debt disputes.
Buyers don't like houses with guarantees or debts. Because many interests are involved, disputes will affect normal transactions. Once such a house is brought to court, it is necessary to be prepared for a protracted war, and buyers are afraid to avoid it.
Category 10: commercial housing in hot cities
The last category is the commercial housing that has made a lot of noise this year. Many cities, including Beijing, have imposed restrictions on commercial housing. Taking Beijing as an example, commercial housing can only be purchased in full, and loans cannot be made, which keeps many people out. Moreover, commercial housing has the qualification to buy a house, and there is no qualification to settle down and enter school. According to the current market situation, commercial housing has no advantage, even if the sale is a problem.
Rong 360 Mortgage Jun reminds you that buying a house should take into account both "buying" and "selling". If you buy a house that no one wants to buy, it may become a problem. Moreover, in a city that recognizes housing and loans, your "virgin qualification" is very important. Once used, it will affect future purchases. You should be careful not to go the wrong way.
(The above answers were published on 20 17-06-29. Please refer to the actual situation for the current purchase policy. )
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