In today's society, buying a house has become a major event in life. For property buyers, more and more factors, such as house price, geographical location, property and supporting facilities, have become all kinds of confusing problems when we choose a house. How to buy a house that suits you has become the most concerned issue for many consumers. The following small series has compiled some tips for everyone in the process of buying a house, hoping to help everyone.
1. Has the project obtained the pre-sale certificate?
Be sure to read the pre-sale certificate before signing the house purchase contract to prevent the developer from selling without a license, and then the house may be in trouble.
2. Pay attention to the delivery time.
Delivery time is a problem that is easily overlooked by everyone. Usually when buying an auction house, the salesperson will tell you an approximate delivery time. However, due to the influence of many external factors on the progress of the project, the delay in delivery of the house has occurred from time to time.
3. Purchase buildings built after February 1999.
In many cities, before1February 1999, multi-storey residential buildings did not emphasize piling, nor did they require cast-in-place floors. However, after1February 1999, some cities set very high standards for housing quality: for example, multi-storey houses should be piled until the settlement is controlled within 375px (the previous standard was 1000px), and the design should also be supervised and other technical measures.
Don't believe the one-sided words of the salesperson.
Many property consultants will avoid the heavy weight. You can't believe the salesman's words, because the salesman's reply and commitment can't be used as the legal basis for future disputes, and everything is subject to the purchase contract and supplementary agreement.
5. I am lost in The Same Grade.
Many property buyers often encounter this kind of "same grade" problem in the process of buying houses. As a property buyer, when signing a house purchase contract, we must read these terms clearly and strive to list the specific brands and specifications of decoration materials. If not, we should try to reach an agreement, and then return the difference according to the actual price of the materials used to reduce the loss.
6. Buy a house in one step.
In fact, the real problem of many "moonlight people" is not the level of income, but more the way of using money. Don't be overjoyed when young people aged 25-30 choose to buy a house. They should abandon the idea that buying a house must be done in one step and make reasonable decisions according to their own affordability. In particular, when choosing the mortgage method, it is not appropriate to excessively demand a short term, or to pay off the loan as soon as possible, to excessively reduce the daily living expenses and reduce the quality of life that should be maintained. The first point is to know how to increase revenue and reduce expenditure, master your own financial situation, set financial management goals, and gradually reserve, every little makes a mickle. After working for several years, you can also lay a certain economic foundation, and you won't feel bad when you are ready to buy a house.
7. Renting a house is better than buying a house.
Generally speaking, due to the different economic strength of property buyers, some will choose to buy or rent a house when choosing to live. Many property buyers think that since renting a house every month costs 1000 yuan or more, it is better to buy a house by scraping together loans, so that even if the monthly payment is required, the last thing left is your own house. However, as we all know, most property buyers with insufficient economic strength have insufficient budgets when applying for mortgages. This is mainly because the loan amount is high, but the mortgage term is short, resulting in a high monthly repayment amount, accounting for almost 70% of the family's monthly income. In fact, for families with a monthly income of less than 10,000 yuan, the monthly mortgage repayment should not exceed 50% of the family income at most. Mortgage purchase is not only a simple mortgage or "monthly payment", but also a technical means of consumer finance, and whether its application is reasonable is very important for buyers. We should choose the most suitable mortgage method wisely, objectively and flexibly, and draw up a repayment plan that suits us.
8. The average price is not the price of the house.
Generally speaking, there is an external average price for selling real estate, but there is often a big gap between the house consumers want to buy and the "average price". Generally speaking, multi-storey property is located on the 4th or 5th floor; High-rise towers are located on floors 6-8, and the apartment types are mostly east-west. The difference between the unit area * of one floor, two households and multiple floors and the average price is 5%-8%, and the tower is between 15%-20%.
9. It is better to look at the house at night than during the day.
Many first-time home buyers go to see the house during the day, ignoring the inspection at night. Because looking at the house at night can better examine whether the community management is safe, whether there is patrol, whether there is noise interference and other issues.
10, check whether the house is well ventilated and daylighting.
Comfort is the most important thing in the home, and the ventilation and lighting of the house are related to whether the apartment is transparent from north to south. Therefore, we should also pay attention to the building spacing of the community. The size of the building spacing will also affect the lighting situation of the floors, so we must check these functions of the house when looking at the house.
1 1, turn off the lights and watch the lights.
Model houses, in order to reflect their spaciousness and brightness, are often lit all year round, which easily affects buyers' judgment on indoor lighting. In real life, it is not practical to leave the light on like this. Although the room is decorated with various colors and forms of lights, whether the room is shaded after turning off the lights is a problem that you must consider when buying a house.
12, do not understand urban planning.
Many property buyers blindly choose regional houses because they don't know the direction of government planning. Sometimes there will be such and such problems, which will bring certain difficulties to settle down and buy a house. So when buying real estate, remember to follow the direction of urban development. First of all, we must see clearly the government's planning and urban development trend; Secondly, it depends on whether the big environment and small environment of the community are comfortable; Thirdly, it depends on whether the location is convenient for transportation, such as whether the living conditions are perfect. In the long run, as far as possible, we should choose residential areas that are planned and developed by the government, and buy high-quality properties with high cost performance along the subway as much as possible.
13, first determine the location and then choose the apartment.
About buying one room and two halls, it is about the balance between the use function and the cost of buying a house. Although buying a house is cheap, it is very inconvenient after having children, and it is necessary to change rooms sooner or later; And if you want to buy a cheaper two-bedroom apartment, you have to sacrifice some peripheral convenience to choose. In this respect, location is first related to the convenience of actual living, for newly married couples, it is also related to the future enrollment of children, and secondly to the resilience of the house. Therefore, if our own economic conditions permit, it is best to find a suitable house according to the funds at hand after choosing the purchase area and see how big a house we can buy.
14. Buy a property of about100,000 square meters.
The community is too small, without high-quality clubs, large-scale communities will be noisy, and it is difficult to develop into high-quality communities. It is more appropriate to buy a building with a scale of about 654.38+ 10,000 square meters.
15. Consumers should ask their neighbors and security guards when they look at the house on the spot.
Chatting with them more can get a lot of valuable information. Because their understanding of the community is often more objective and accurate than the owners.
16. Is the housing quality guaranteed?
When buying a house, you must look at the steel used in the construction site on the spot, or consult the owners who have already stayed. These are all things that must be inspected before signing the purchase contract.
17, check whether the stairs and fire exits are clear.
Newly built commercial houses are basically high-rise buildings with elevators, but consumers should also pay attention to whether there are deposits on the fire stairs and whether they are unobstructed.
18, buy up but not buy down
In the real estate market, people who bought houses are looking forward to a big rise, while those who didn't buy houses are looking forward to a big drop. In the real estate market, people never know whether house prices will rise or fall in the future, and whether the market is good or bad. Therefore, when relatives or friends around you buy a house, remember not to blindly join in the fun, and make judgments according to the original laws of the real estate market, buy when it falls and sell when it rises. Only in this way will we not waste our hard-earned money in vain.
19, only buy cheap and not expensive.
Many property buyers think that the current housing prices are too high, so when choosing real estate, they usually choose cheap real estate in the same area and lot. This often leads to problems such as incomplete documents, construction quality and unreasonable park planning, which brings some troubles to property buyers. Therefore, when choosing real estate, we should also pay attention to quality and responsibility. The brand difference of developers and the level of property management have great influence on the space in the later period of residence. The property carefully built by an excellent brand developer is often much more expensive than the surrounding ordinary property. However, because housing quality and property management level are not a standard, the entry of brand real estate will inevitably introduce some large-scale commercial facilities to boost it. Therefore, when buying a house, we should try to choose a developer with a heavy sense of responsibility, good reputation and high level of property management.
20. It is very important to look at the house in rainy days.
You can observe whether there are traces of water seepage in the walls, corners and ceilings of the house. Also pay special attention to the balcony and bathroom, whether there is damp and moldy phenomenon.
2 1, speculative house purchase
Many people who own houses have abundant funds and want to invest in real estate in order to preserve and increase their value. In fact, real estate speculation is far more complicated than imagined. Generally speaking, the house belongs to fixed assets, and the liquidation procedures are more complicated. Moreover, many problems such as deed tax and transaction cost are involved in the buying and selling process, and the buying and selling cycle is also very long. Once there is a policy adjustment, it will eventually change from active to passive, consuming money and energy.
If you want to participate in real estate investment, you can ask relevant professionals to help you plan. Before investing, you should do a good job in all aspects and do your homework to ensure that your funds will not be trapped in a certain period of time.
You don't have to have a new house.
Buying a new house is of course the best, but either the house price is too high or the apartment type is not suitable, and most of them can't move in immediately. Second-hand housing can basically move in immediately, but old problems and property rights transfer are more troublesome, and it is more worry-free to find an intermediary. Judging from the brand-new appearance of the building, the novel design, reasonable layout and low-density and private living environment of the new building can obviously meet the aesthetic and life needs of young people.
23. Be cautious about buying a house in a pure small-sized residential area.
(The above answers were published on 20 16- 12-26. Please refer to the current actual purchase policy. )
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