Do you have anything to share about buying a house?

I bought a second-hand house at home and did some homework. I can give some advice on second-hand houses. First of all, I want to talk about the problems that novice buyers of second-hand houses are most likely to ignore. In addition to the room rate, deed tax/individual tax/agency fee and possible personal income tax/maintenance fund can not be underestimated. However, if the house is 200W, it will add up to 65,438+10,000, mainly because this part of the money will be paid in cash, which means that you should prepare more than enough down payment.

Another difference in cost is that banks and intermediaries will jointly evaluate the total price of your house, which will generally be lower than the actual transaction price. In other words, the estimated value of a 200 W house is 180. You originally planned to make a down payment of 60, with a loan of 140, so it becomes a down payment of 200- 180*0.7=74 and a loan of 65440. I haven't actually experienced this part, but I have consulted an 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 try to contact the landlord directly online. There are so many intermediaries active online every day, which round will get you. Moreover, in the intermediary mode, all kinds of expenses are actually paid by the buyer, so why doesn't the landlord try to save trouble and hang it to the intermediary? If you really care about the agency fee, then find a big agency to know about the overall second-hand market in a certain area and see if you can find a couple shop agent yourself.

I know there are two organizations. One is the chain home. Now the agency fee is 3%, so you can get a 10% discount. Then the Q room is also 3%, which can be discounted, but the service really doesn't feel like a chain home. Never experienced 2 1 century room world or anything.

There are two things in Amway, one is the APP of Chain Home, or official website. Real housing, real price, you can find the historical transaction price record of the community. The only complaint is that the down payment standard for second-hand houses on the chain is still a minimum of 20%. In fact, this year's adjustment is impossible to implement. The current minimum is 25%. The specific policies are more reliable, and there will be more adjustments in the banking sector in the near future.

Then many friends found Anjuke as soon as they looked for a house, and the advertisements were loud, but it could not change the fact that many of his information was out of date.

Second, when you go to the chain store to see the house, 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. Exclusive houses are usually signed by chain store salesmen themselves, which requires the landlord to pay extra fees, so if the price is not high enough to sell quickly, the salesmen themselves will lose money. This is equivalent to the intermediary personnel in the front line of business helping us screen high-quality housing in advance.