Therefore, for most owners who buy houses, they are no longer fooled by some unscrupulous intermediaries. Today, I will share with you how to buy a second-hand house, so as not to step on the pit and prevent some lawless people from cheating.
0 1 first, we should pay attention to these factors when choosing a house, and don't listen to the sales.
The most important thing is the price. Buying a house is not for saving face, but for a better life in the future. Therefore, under the premise of ensuring the quality of life, we need to refer to factors such as monthly income, repayment ability, loan method and interest rate.
Secondly, considering the traffic, don't choose a place far away from work or downtown for the sake of being cheap or buying a new house, so even if the house price is cheap, your daily commute will become a big problem. You can bear it, but over time, you will feel particularly uncomfortable.
Finally, the apartment structure and floor. The choice of apartment type and floor mainly considers the composition of family members and the requirements for the functions of the house, such as the choice of floor height, the orientation of the house, vision, lighting, privacy and so on. Especially for older houses, you need to have a look in the morning and afternoon to find out how the house is lit.
Second, pay attention when it comes to money contracts.
Especially the down payment, I always tell buyers not to pay if they are not optimistic, and don't worry about not having a house. Unless the house is really cheaper than the average price, and you know the purpose of the landlord selling the house, don't pay the down payment easily. Otherwise, you will regret it later or find other problems, and you will not get your money back.
Third, pay attention to money when signing a house purchase contract.
If so, confirm with the landlord whether the account can be moved out and leave a deposit for the account to avoid the landlord running away directly after the transfer. There is also the need to determine with the landlord how many loans have not been paid off, whether they can be paid off by themselves or whether they need to cross the bridge through a third-party company.
If the landlord didn't come here to sign the contract, he entrusted an intermediary and asked the intermediary to come up with a power of attorney. Of course, it is best to let the landlord sign it in person to avoid mistakes.
Also, if the seller's house still has a lease, it's best to write down the handling method of the lease, which is still terminated when the house is handed over. At the same time, if the seller has a parking space, ask whether the parking space is rented separately to avoid tearing when parking in the future.
Then, after paying attention, be sure to write clearly what the landlord wants to take away from the furniture here and what he wants to leave behind. Avoid the seller saying that home appliances with furniture are for sale, and the result is not clearly written. A cabinet (furniture) and a water heater (household appliances) were left when the house was handed over.
Fourth, check your credit information in advance.
For this, many property buyers will make mistakes. Some property buyers are very tight when buying a house. When they saw the good one, they were afraid of running away, so they immediately left a deposit and wrote the contract. I paid the down payment, got a mortgage, and found that there were still hundreds of credit cards that I didn't know, so I was blacklisted. As a result, the bank refused to lend and could not buy a house.
After that, the landlord's responsibility will be investigated and the landlord's liquidated damages will be paid, which is not worth the loss. Therefore, in order to avoid this situation, it is best for buyers to know the provisions and adjustments of the real estate policy in advance, check their own credit information, and know in advance whether they meet the conditions for applying for a mortgage. Don't give a down payment in a confused way, only to find that they can't get a mortgage.
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To sum up, buyers should pay attention to "4 points" when buying and selling second-hand houses! Otherwise, once you step on the pit, you will lose your wife and lose your soldiers.