1. Find a house according to the work place, buy a professional real estate newspaper, and find a well-publicized real estate with a good property reputation. It doesn't matter if the area is small, but a good floor can make up for it. Don't buy a mountain house on the roof 1 It only accounts for a few percent of the total. I can't afford to get hurt for decades after buying it. Remember.
2. Go door to door to see the house. Even if you look at the house in 1 and plan to book it, at least don't look at the house with less than 5 sets. You can only choose by comparison. Individual projects with strong intentions can go 2~3 times.
There are many aspects of real estate. Not as beautiful as 10 all 10, more than half of them can be met. Whether it is private property right, whether it faces south, whether there is thermal insulation benzene board in the north and south, whether there is 24-hour water supply, whether the frame is highly earthquake-resistant, whether the multi-story staircase tiles reach the top, whether it blocks light, and whether there is pollution nearby. Existing homes are cheap, but auction houses are illegal and unsafe. Multi-storey expensive high-rise buildings are cheap, but high-rise buildings have a large share and poor property services. If the elevator breaks down, you will have to climb tall buildings for decades. Whether the surrounding facilities are complete, whether it is convenient to enter and leave the community, whether solar energy can be installed, whether the apartment type is reasonable and does not waste area, whether the developer has five certificates, whether there are property certificates and land certificates, whether the security guards patrol around the clock, whether people and vehicles are diverted, whether there are enough parking spaces in the garage, and whether there are new plans with good development prospects nearby.
4. The loan requires ID card, household registration book, proof of marital status (issued by the civil affairs department where the household registration is located, including marriage certificate, single certificate, divorce certificate and widowed certificate), income certificate (the accumulated amount of overdue repayment by both husband and wife is more than 2 times), receipt and commercial housing sales contract (issued by the developer). Loan term 1~30 years. The longer the loan term, the less the monthly repayment and the higher the interest rate. According to the current interest rate, paying interest for 20 years can reach 60% of the loan amount, which is basically the case for 30 years. Therefore, try to borrow as little as possible within your own ability. Although it is not usury, usury has not been lent in large quantities for many years.
5. At present, the house is generally paid in four parts, one is the down payment, the other is the monthly payment, the third is the property right fee (the handling fee within 4%+ 1000 of the total house price), and the fourth is the occupation fee (calculated by area). In other words, if it is not a well-decorated house, in addition to the decoration fee, we must also prepare the above expenses.
Buying a house is a big deal. Don't think that you need at least two rooms before buying a small one, or you will know how much pressure and effort you have to bear if you want to change your house for five years 10.
Buying a house is a big deal, don't be completely confused by the rhetoric of the salesperson. They sell houses professionally, but you don't buy houses professionally, so you can't pay the deposit when your mind is hot.
Buying a house is a big deal. You should do it with your heart. Even the fruit of your hard work for half your life. Don't bother. Only by walking more, reading more and asking more questions can we make the information as complete as possible and make more correct choices.