The importance of the second-hand housing era
If you want to learn to identify the age of second-hand houses, you must first understand the importance of age in real estate transactions.
1, the age of the house will affect the hardware facilities of the house. The higher the age of the house, the more the maintenance cost of the house may occur, and after the damage degree continues to increase, it may also bring a series of security risks;
2. The age of the house is related to the service life of the remaining land. The older the house, the shorter the service life of the remaining land and the higher the holding cost;
3. The age of the house is related to the loan. The age of the house affects the loan term and loan amount. For example, Industrial Bank and Postal Savings Bank require that the age of the house plus the loan period should not exceed 35 years and 45 years respectively. According to the provisions of provident fund loans, the proportion of housing loans with house age 10 years is 60%, that with house age10-0/5 years is 50%, and that with house age 15-20 years is 40%. In 20-30 years, the proportion of housing loans will be 30%. Generally speaking, the older the house, the shorter the loan period and the lower the loan ratio. Even for some elderly properties, banks refuse to lend.
The age of the house, the service life of the house, and the date of the real estate license.
Are you dizzy? Many people think that these three definitions are equivalent when buying a house, but they are not.
The service life of the house, that is, the service life of the house land, that is, the period calculated from the date when the developer obtains the land; The age of the house is calculated from the date when the house is completed and accepted for delivery; The date on the property certificate reflects the date when the owner actually obtained the property right, which is not necessarily the same as the real age of the house, because the developer's house may not be sold after completion. Generally speaking, there is a time difference between the date of the real estate license and the completion time, and the time when the owner gets the real estate license is lagging behind the completion time of the house.
For example, when a developer got a piece of land with 70-year property rights in 20 12, it can be known that the service life of the land is 20 12-2082, and the developer built a house and delivered it in 20 14. Then by 20 17 this year, the remaining land will be used for 65 years (2082-2017); The house is 3 years (20 17-20 14).
Tips for verifying the real age of a house
Understand the difference between the above three concepts, it is not easy to be recruited in word games, but many times in the second-hand housing market, because of the loopholes in information asymmetry, sellers or intermediaries will falsely report the age of the house, so it takes some thought and effort to get the real age of the house.
1, go to the real estate management department to check the bottom file. Whether it is a house built by a unit or a commercial house, it will be registered in the corresponding property rights department. To inquire about the final case, you need to bring the certificate related to the seller, such as the real estate license, to the real estate trading center or the Housing Authority and other departments to make corresponding inquiries.
2, look at the real estate license+community visit to beat about the bush. Because the date of real estate license and the date of sale are not necessarily the same, in order to obtain a more reliable house age, we can guess according to the date of real estate license and the answers of neighboring neighbors.
3. Look at the fa? ade, kitchen, etc. +Real estate expert consultation. Generally speaking, houses in each era have some characteristics of each house. For example, the concept of "hall" began to appear in the apartment design of houses built after the 1990s, but non-professionals generally have relatively little understanding of these, so they can inform real estate experts about the fa? ade, house layout and kitchen and bathroom that are not easy to change for consultation.
All the above methods can check the age of the house, but they are not the safest. If you are worried that buying a second-hand house will cause unnecessary trouble because of the age of the house, the buyer can further guarantee it in the form of a contract, that is, the seller insists on issuing a promise about the age of the house in the contract, emphasizing that if the information is wrong, the seller will bear the responsibility.
(The above answers were published on 20 17-0 1-09. Please refer to the actual situation for the current purchase policy. )
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