The municipal government has issued a number of policies for the second-hand housing market, aiming at standardizing the market order and promoting the healthy development of the market. Among them, the purchase restriction policy restricts the number and conditions of non-registered residents in this city to purchase second-hand houses, requiring buyers to meet certain conditions before purchasing the first set of ordinary self-occupied houses, and provide proof of continuous payment of social security or individual taxes in this city in the past five years.
In addition, the loan restriction policy has also been adjusted. The maximum personal loan for a purchaser who buys the first ordinary self-occupied house shall not exceed 80% of the house price; for a second ordinary self-occupied house, the maximum personal loan shall not exceed 60% of the house price; for a third and above, the maximum personal loan shall not exceed 40% of the house price. At the same time, the government has also stipulated the policy of restricting the sale of second-hand houses, which limits the conditions and time for the sale of second-hand houses.
Buying skills of second-hand houses
1. Understand the basic situation of the house, including the age of the house, building area, apartment structure, etc. You can get relevant information by checking the real estate license and asking the owner.
2. Check the house decoration, facilities and equipment are in good condition, such as water and electricity pipes, doors and windows, bathrooms, kitchens, etc. You can ask professionals to inspect the house to ensure that there are no hidden dangers in the house.
3. Considering the surrounding environment and traffic conditions such as schools, hospitals, shopping malls and bus stops, these factors will affect the convenience and comfort of living.
4. Pay attention to the historical transaction records and property rights of the house and avoid buying disputed real estate. You can obtain relevant information by inquiring about real estate registration information or consulting intermediary agencies.