2. Nature of the house: apartment, attic, etc. They are all commercial, water and electricity are all commercial, and there is generally no gas or heating.
3. Ordinary residence: refers to the residential building built according to the standard of ordinary civil residence. Senior apartments, villas and resorts do not belong to the category of ordinary houses.
4. Commercial and residential dual-use residence: it is an extension of the concept of SOHO (home office) residence. It belongs to the residence, but at the same time, it integrates many hardware facilities of the office building, especially the developed network function, so that residents can engage in commercial activities while living.
5. Purchase conditions: There will be more restrictions on commercial housing, such as hukou, social security and tax payment certificate. Apartments and LOFT are generally not needed, and they are basically not within the scope of purchase restriction.
6. Payment terms: the low down payment ratio of the first commercial house is 20%-30% of the total price, and the down payment ratio of the non-first suite is higher, and the longest mortgage period can reach 30 years; Apartment and LOFT, there is no difference between the first set and the non-first set. The down payment ratio is generally 50% of the total price, and the longest mortgage period is 10 year.
7. Existing house: refers to the commercial house that the developer has completed the real estate license (property right card) for, and can move in and obtain after signing the commercial house sales contract with consumers. Only real estate license and land use certificate can be called existing houses. The existing house in the usual sense refers to the house that can be occupied after the project is completed.
8. Quasi-existing house: refers to the house whose main body has been basically capped but has not been completed and accepted, the general outline of buildings and facilities in the community has begun to appear, and important factors such as room type and building spacing are clear at a glance, and the project is in the stage of interior and exterior wall decoration and supporting construction. (However, the nature of this kind of real estate still belongs to the auction house. The government manages it according to the auction house and needs to apply for a commercial housing sales license to sell it. )
9. Forward delivery house: refers to the house under construction, which has not been completed and cannot be delivered for use. That is to say, the commercial housing in this period is called faster, and consumers should sign pre-sale contracts when buying commercial housing at this stage. At present, the new houses on the market are basically faster. Under normal circumstances, the price of auction house is relatively low, and there is a large choice. However, because the house is delivered after payment, the process and result of consumption depend on the performance of the rights and obligations stipulated in the house purchase contract, and the performance of the house purchase contract is not only affected by the developer's own operation, but also restricted by many objective factors.
10. Rough house: A house delivered by a real estate agent with only the door frame but no door, and the wall and floor only have basic treatment and no surface treatment is called a rough house.
1 1. Finished house: refers to the decoration of walls, ceilings, door covers and floors.
(1) The interior wall is common enamel.
(2) The living room floor is made of ordinary tiles.
(3) Ordinary aluminum alloy window
(4) Ordinary plywood doors
12. The height and floors of civil buildings are divided into: 1-3 floors are low-rise houses, and the products are mainly single-family villas, single-family villas and townhouses. Floors 4-6 are multi-storey houses, and the products are mainly stacked villas and garden houses (some of them have the concept of large flat floors). The 7- 10 floor is a medium-high-rise residential building (also known as a small high-rise building). In many cities, houses below 18 floor are also called small high-rise buildings. About 1 1-30 floors are high-rise buildings; More than 30 floors are super high-rise buildings. Small high-rise buildings and high-rise buildings are generally ordinary houses, and super-high-rise buildings are generally urban luxury houses.
13. Affordable housing: refers to the housing provided by the government for families with housing difficulties with limited standards, limited prices or rents, which generally consists of low-rent housing, affordable housing, policy rental housing and directional resettlement housing. This type of housing is different from the commercial housing whose price is completely formed by the market. Affordable housing can be transformed into commercial housing under certain conditions.
14. Five certificates of real estate: construction land planning permit, construction project planning permit, construction permit, state-owned land use permit and pre-sale permit of commercial housing. Developers are not allowed to sell until they get five certificates. Generally, there will be subscription behavior (one is that the developer makes an appointment with the buyer without obtaining the pre-sale certificate, and the transaction is officially completed after obtaining the pre-sale certificate. That is, in the absence of a formal sales license, developers and property buyers reached a purchase agreement. Also called subscription, reservation and reservation. )
15. The "second book" of real estate refers to the quality guarantee letter and instruction manual of newly-built housing that the Ministry of Construction requires developers to provide in order to strengthen the quality management and supervision of commercial housing.
16. Qualification for purchasing a house: the conditions in different cities are different, so it is necessary to adapt to local conditions. At present, we can pay more attention to the local talent introduction plan, in fact, it is to let go of the purchase restriction as much as possible.
17. capital situation: there is a clear concept of down payment ratio and monthly payment.
18, housing demand analysis: settle down first? Child education? Work closer? Improve? Investment and so on. After making clear the above problems, it is necessary to inspect and select the products on the market. Buying a house is to weigh the capital, brand, location, supporting facilities, apartment type and property, and choose according to your own situation.
19. Intention money for buying a house: There is no such thing as "intention money" in the relevant national real estate laws and regulations, and it is either a deposit or a deposit.
20. Gift area: When buying a house, some areas of the metropolis are given away, such as balconies. Balcony can be divided into closed balcony and semi-closed balcony. The closed balcony should be counted, and the semi-closed balcony has only half the area. The more semi-closed the balcony, the more valuable it is.
2 1. Residential clear height: refers to the distance between the ground of the lower floor or the ground of the upper floor and the lower surface of the upper floor.
22. The bay of a house refers to the actual distance between one wall skin and another wall skin in the house.
23. Residential length and depth: refers to the actual length of an independent house or residential building from the front wall to the back wall.
24. Residential height: refers to the distance between the lower floor or the floor and the upper floor.
25. Repayment methods of individual housing loans: divided into two types: equal principal repayment and equal principal and interest repayment.
26. First-home discount: if the spouse buys a house and the loan has not been paid off, the other party is still a second home, so he can't enjoy the preferential policies for the first home purchase.
27. What public parts should be shared: The shared public building area includes indoor and outdoor stairs, internal and external corridors, public foyer, passageway, elevator, power distribution room, equipment floor, equipment room, structural transfer floor, technical floor, air conditioning room, fire control room, duty toilet serving the whole floor, garbage in the building, stairwells with enclosure structure protruding from the roof and elevator room. ?
28. Which public areas can't be shared: The public areas that can't be shared are motor vehicle garages, non-motor vehicle garages, public open spaces, urban public corridors, arcades along the street, and underground fire bunkers; Power distribution rooms of multiple buildings; Civil air defense basement, overground garage, underground equipment room, etc. ?
29. usable area in the suite: refers to the area used by the residents alone in the suite, generally including the sum of the net areas of bedroom, kitchen, bathroom, lobby, living room, inner walkway, balcony and wardrobe.
30. Bank mortgage: Mortgage is a Cantonese transliteration of the English word "mortgage". Therefore, the correct name of bank mortgage is house mortgage loan, that is, the property right of the house purchased by the buyer is used as collateral, and the bank pays the house price to the developer first, and then the buyer pays the principal and interest to the bank in monthly installments. ?
3 1. provident fund loan: provident fund loan, that is, personal housing guarantee entrusted loan, is a loan issued by the municipal housing fund management center and its sub-centers to depositors and retired employees who entrust banks to purchase (including construction and overhaul) self-occupied housing with housing reform funds.
32. Conditions for applying for housing provident fund loans: Only those who have continuously paid the housing provident fund for more than 6 months or accumulated the provident fund for more than 1 year, and are still paying the provident fund, are eligible to apply, and the policies of each city may be different.