In today's environment of restricting purchases and loans, many cities have also introduced purchase restriction policies, so if you have the idea of buying a house, you must first find out whether you are qualified to buy a house. If you are not qualified to buy a house, you should also insist on buying a house legally in good faith. Especially in the event of risks and disputes, consider whether it will affect your future purchases.
2. Master the detailed information of the house.
(1) Whether the "house owner" on the real estate license is consistent, whether the consent of the real estate owner has been obtained, and the transaction can be continued only after the above contents are confirmed.
(2) Whether the house meets the trading conditions.
The listing and trading conditions of different houses are different, so it is very necessary to inquire about the nature of houses and the listing and trading conditions. Can be removed, the nature of land use rights is collective or allocated, whether it belongs to affordable housing that does not meet the listing conditions. These houses mentioned above can't be traded normally, and they can't handle property rights if they are bought.
3. Be cautious about loans.
When buying a house, you should consider your actual economic ability and loan application ability. Before you plan to borrow money, be sure to link your demand and purpose of buying a house with the bank policy to see if you can meet the loan policy and get the expected amount. When signing the contract in the later period, you should also know the details, supplement all the materials in time and go through all the formalities as soon as possible.
4. Prepare the purchase cost.
Second-hand housing transactions need to prepare a number of expenses, in addition to the house payment, second-hand housing transactions also have intermediary fees and taxes. The taxes paid mainly include deed tax, house registration fee, surveying and mapping fee, house evaluation fee, value-added tax and personal income tax. If the house does not meet the unique conditions of the fifth five-year plan, there are many kinds of expenses, and full preparation is the premise. Don't forget to ask for a formal invoice after paying all the expenses.
Extended data:
Second-hand houses usually have a good 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. The surrounding facilities 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.
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.
References:
Second-hand House-Baidu Encyclopedia