Matters needing attention in buying a house
1, correctly understand the knowledge of buying a house:
Learn some basic knowledge of real estate, which is necessary for buying a house. After all, buying a house is a major event in life, and the amount involved is relatively large. If you don't understand the knowledge of buying a house, the consumers themselves will suffer. For example, the following common sense of buying a house is to be understood:
(1) Average price of real estate: Don't mistake the average price of real estate advertisements for the price of the house you bought. Be sure to define the concept of average real estate price. Before the sale, the developer will set the sale price of the residential area for sale according to the market situation and cost accounting at that time. This price is the average price of the project. When a real estate is put on the market, there is an average price first, and then the price of each unit in each building is calculated through it. There is a difference between the two.
(2) Floor area ratio: refers to the ratio of the total construction area above ground to the land area of residential areas. For developers, the plot ratio determines the proportion of land price cost in housing, while for residents, the plot ratio is directly related to the comfort of living. Good residential areas, multi-storey residential buildings shall not exceed 1.5, and the plot ratio of high-rise residential buildings shall not exceed 4. If the plot ratio exceeds 5, it is not recommended to buy.
(3) Utilization rate and utility rate: The difference between them is that utilization rate refers to the net area in the apartment, that is, the ratio of usable area to living area. Generally, high-rise towers are between 72% and 75%, and slab buildings are between 78% and 80%. In terms of utilization rate, the ratio of interior construction area to residential area is greater than utilization rate. Therefore, some developers often use the utility rate to attract property buyers.
(4) Green rate and greening rate: Green rate refers to the ratio of the sum of all kinds of green spaces within the residential land to the residential land. The land within/0.5m from the external wall of the building and within/0/m from the roadside and the land with a surface coverage depth of less than 3m, regardless of whether there is greening on it, are not included in the green area. The greening rate refers to the ratio of the sum of the vertical projection areas of greening to the land used in residential areas. The green rate of residential quarters shall not be less than 35%. Property buyers should pay attention to the fact that the greening rate promoted by real estate developers when selling properties is actually a lot of greening coverage.
2. Choose the right building:
When buying a house, you must choose the property that you can buy within your ability. For people who just need to live in their own homes, small-area, low down payment and low total price buildings are suitable for young people who buy houses for the first time. Secondly, just-needed buyers with insufficient funds can choose second-hand houses or small apartments, and the price is relatively favorable; For those who invest in buying a house, it is necessary to determine the scope of buying a house according to the future planning direction of the city and improve the future profit rate of the purchased property as much as possible.
3. The accumulation of down payment for buying a house:
The accumulation of down payment is the key to buying a house. To learn how to manage your money reasonably, you should set a goal first, save enough down payment in a few years, and then distribute your income reasonably according to the goal. Setting aside some funds regularly every month and making a regular and fixed plan can also make daily consumption more rational. In a word, every bit of accumulation is a fortune. In addition, you can borrow the down payment from your parents first and then return it one after another, which can shorten the accumulation time.
4. Selection of loan method:
At present, loans are divided into two ways, commercial loans and provident fund loans, both of which have their own advantages and disadvantages. Property buyers should fully consider the characteristics of the two ways when deciding which way to buy a house by loan, and choose the loan method according to their actual situation. If the loan amount of property buyers is relatively large and the down payment cannot be made in a short time, you can choose commercial loans; Furthermore, if the purchaser does not pay the provident fund, commercial loans are also the best choice; However, if property buyers are sensitive to interest rates and want to save interest as much as possible, then provident fund loans are the first choice.
5. Selection of loan term:
What needs to be understood is that the difference between choosing a loan term of ten years and twenty years lies in the difference between monthly payment and total interest, that is, the exchange of time and space of funds. Think about the following questions. If the down payment pressure is high, then choosing a 20-year term will allow you to save more money every month to repay it. In addition, the income level and expected growth, if the income is not high, can only grow slowly, then choosing 20 years of life is more soothing; Secondly, are you young enough? If you are young enough, you are not afraid to pay more interest. If you choose 20 years, you can have more money left to do other things.