Xiao Ming: Sister, although I saw your house and paid a deposit, I don't want it now. Give me a refund!
Seller's sister: Xiaoming, I'll tell you again that the deposit can't be refunded!
Xiaoming: Nima. . .
Sister: Xiaoming! Get out! ! !
The cold knowledge that you have to know when buying a house is absolutely dry!
(Xiaoming goes out to buy a house version)
1, deposit ≠ deposit, are you still stupid?
A deposit is a certain amount of money paid as a guarantee before the conclusion or performance of a contract. If the buyer fails to perform the contract, he has no right to demand the return of the deposit; If the developer fails to perform the contract, he should double the deposit.
Deposit, which is not clearly stipulated by law at present, can generally be regarded as "advance payment". Breach of contract in buying a house doesn't mean that you have no right to ask for a refund of the deposit, and merchants don't have to use double indemnity in case of default.
Bottom line: the deposit is refundable. Please read it carefully when signing!
2. Can I live in a place of 100 square meters if I buy a house of 100 square meters?
100 square meter, that sounds awesome! When you hand over the house, it is only over 80 square meters, and you are dumbfounded! What you see when you buy a house is the building area, including the pool area. Generally speaking, the high-rise building with small pool area is 10%-20%, and the high-rise building is 15%-25%.
You bought an 80-square-meter house, and after deducting the swimming pool, there is still about 60 square meters left. Can you really make a set of three?
3.9- 1 1 Is the layer really a lime layer?
Most people have heard the saying that "9- 1 1 building is a gray building" when buying a house, but is this really the case?
Physics experts point out that dust will not stop when it is thirty or forty meters above the ground. Dust will not stop in the stratosphere from the ground 10 km to 52 km. In other words, there is no such thing as lime layer in ordinary high-rise buildings. In addition, pollutants in the air are constantly settling and flowing with the airflow. When there is no pollution source in the air, the higher the floor, the cleaner the air.
The ownership of the house is 70 years. Will the house belong to the state after it expires?
After the property right expires, if the house is still there, then the house is still yours, but you have to pay land tax every year. Housing property right refers to the land use right occupied by the house, not the ownership of the house itself.
As long as an individual has a property right certificate, the house is personal.
5. Why do banks only push equal principal and interest repayment?
Matching principal and interest repayment, the monthly repayment amount is the same, but the proportion of principal and interest is different. In the early stage, the interest ratio is large, and the principal ratio is small, and vice versa in the later stage.
The monthly repayment is 7000 yuan, the monthly interest is 5000 yuan, and the principal is 2000 yuan. At this time, most of the money you pay back is bank interest. In the later stage, when the conditions are good, I want to repay in advance, and most of the rest is the principal you want to repay, with little interest, so it makes no sense to repay in advance.
For the convenience of the bank, this will maximize the benefits!
(The above answers were published on 2016-11-21. Please refer to the actual situation for the relevant procurement policies at present. )
When buying a new house, go to Sohu Focus.