Then, how to grasp the main points of first-time home buyers and try to avoid detours? The reporter summed up the "first-time home purchase strategy" in this issue, hoping to provide some reference for readers who are ready to buy a house.
Before buying a house, we must "face up" to three major problems.
It is the wish of many people to buy a satisfactory house, but there are always many problems in the process of buying a house. Then, before preparing to buy a house, what preparations should property buyers make? What should I pay attention to?
Preparation 1: Define the demand for house purchase and make a good house purchase plan.
Zhu Xiao, a citizen who is planning to buy a wedding room, originally planned to buy a small apartment of about 70 square meters, but both the property sales staff and relatives and friends around him think that it is good to buy a house in one step. But in terms of income, it is very difficult to buy a bigger one. In addition, Zhu Xiao pays attention to the real estate environment, while his girlfriend pays attention to the convenience of life. Due to the great differences between the two sides, half a year has passed, but there is no progress in buying a house.
People who buy houses often ask such questions. Where is the best house now? Where is the best place to buy a house? Buyers with different needs have different answers to the same question.
So before buying a house, you must carefully weigh what you need most. Rational and planned consumption is the premise of buying a house. It is necessary to weigh the overall situation, prioritize, and determine the real estate that suits you according to your own income and other actual conditions.
Preparation 2: Choose a good loan method to reduce the loan pressure.
When choosing the loan term, in order to reduce interest expenses, Ms. Zhang chose a shorter loan term. However, due to changes in family work, the monthly family income has dropped sharply to about 5,000 yuan recently. Since then, after deducting the monthly bank loan, Ms. Zhang's disposable income is less than 2,000 yuan per month. To this end, Ms. Zhang applied to the bank to extend the loan period and reduce the monthly repayment amount.
According to industry insiders, one-third of a family's monthly income is a warning line for mortgage repayment. Crossing this warning line is likely to lead to greater repayment risk and even affect the quality of life of families. Generally speaking, consumers borrow money to buy a house, and the repayment period is about 20 years. If the loan term is too short, the repayment pressure will be correspondingly greater, and once there are variables in the future, it will bring a burden to daily life. Therefore, consumers must choose the appropriate repayment period according to their own situation.
In addition, when considering the amount and duration of the loan, we should not make a decision based on the current income standard, but should be forward-looking and consider some practical problems that families may face in the future, such as keeping some savings for emergencies such as unemployment, pension, medical care and education.
Various investigations will help to buy "reassurance"
With a clear purchase plan, property buyers usually set the purchase target in a smaller range after watching the market many times. At this time, if the property buyers can fully understand the developer's strength, real estate supporting and other additional information, it will help the property buyers to choose a more suitable "reassurance".
Inspection 1: the strength of the developer
Property buyers can choose some well-known brand real estate enterprises or developers who have developed high-quality brand real estate. Such enterprises often attach great importance to credibility, and the possibility of quality problems in later houses is relatively small.
In addition, property buyers can also inspect developers in some more intuitive ways. For example, you visit a project developed by the same developer in the past, ask some old owners about the quality of the property, property management services, real estate license handling and other related information, or log on to the "owners forum" of the local real estate information website to see what buyers think of the property and developers.
Inspection 2: Property certification materials
Before buying a house, you might as well know more about the supporting conditions of buildings and communities, including schools, kindergartens, clubs, supermarkets, banks, farmers' markets, etc., and understand the building density (floor area ratio) of buildings and communities to judge whether the environmental standards of buildings and communities meet their own requirements.
In addition, parking space is also an important content that should be understood, and relevant information and written commitment are required when necessary.
Implement the contract and grasp the "initiative" of buying a house.
When the buyer signed the commercial housing sales contract, due to the information asymmetry between the buyer and the seller in professional knowledge, it was in a passive position in the later contract performance. Then, what problems should buyers pay attention to when signing the purchase contract?
Note 1: There are many problems with area error.
The dispute over the purchase area has always been a hot issue, so when signing the purchase contract, buyers must attach great importance to the solution after the error of the housing area occurs.
Tips for buying a house: In order to avoid some unnecessary disputes about buying a house, it is best for buyers not to choose the way of self-agreement when signing a house purchase contract. If the two sides agree on their own, most developers will agree to "take the area approved by the property rights department as the standard, and refund more and make up less." Property buyers often think that no one will suffer from "more refund and less compensation", but ignore the agreement on the error of housing area, but do not know that according to this agreement, unnecessary housing disputes may be triggered. Because once it is agreed that "the housing area approved by the property rights department shall prevail, more refunds and less subsidies", no matter how much deviation the housing area appears, buyers can only "eat Huanglian dumb losses".
Note 2: The delivery conditions are clearly agreed.
Mr. Xu, a citizen, refused to accept the house because the developer failed to provide fire protection advice for construction projects. According to the contract signed by both parties, the delivery condition is "the commodity house is qualified after acceptance". Mr. Xu believes that the acceptance of commercial housing should not only obtain the project completion acceptance report, but also pass the fire inspection before delivery. The developer thinks that the "acceptance" stipulated in the contract refers to the acceptance of project quality. In other words, after obtaining the project completion acceptance report, the property can be delivered for use.
Tips for buying a house: Now many developers are very vague about the acceptance of the house when signing the purchase contract with the buyers. For example, what happened to Mr. Xu, because there was no clear acceptance place in the contract? Where did it pass the acceptance? So developers can get away with it. In order to avoid the recurrence of similar problems, property buyers should ask developers to make a clearer agreement on this clause when signing the contract. At the same time, in the purchase contract, both parties should also agree on the specific form of delivery notice.
Note 3: After signing the contract, put it on record in time.
Many buyers think that as long as they sign the purchase contract, the house is their own, thus ignoring the registration of the purchase contract, but they don't know that this may lead to the risk of buying a house and selling a house.
Tips for buying a house: The purpose of filing and registering the pre-sale contract of commercial housing is to reduce disputes over the pre-sale of commercial housing and protect the legitimate rights and interests of buyers. However, in the actual operation process, there are still many developers who fail to register according to the prescribed time, and many buyers have a weak sense of contract registration, and they are not clear about the importance of registration, let alone urging developers to register in time. Therefore, some developers take the opportunity to mortgage or repeatedly sell houses. Therefore, in order to effectively protect their rights and interests, property buyers must promptly urge developers to register after signing the purchase contract.
Note 4: Property management contract can not be ignored.
What property management services are included in the extra charge? As an owner, what rights and obligations do you enjoy while enjoying property management services? These are clearly stipulated in the property management contract (agreement).
In property management activities, contract plays a very important role, which is the basis and standard of property management. In fact, at present, many owners have signed property management agreements with property management companies when they repossess their buildings. The property management contract shall be signed with the property management company on behalf of all owners after the establishment of the property management committee.
(The above answers were published on 2016-12-13. Please refer to the actual situation for the current purchase policy. )
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