Old house slave purchase: Big dozen Conghua Zengcheng non-restricted purchase edge

The implementation of the mortgage policy is strictly no time to drill, since the housing should be shot, additional costs to pay attention to the financial weekly reporter Li Wenshan/wen to Guangzhou Limited purchase order has been more than half a month, the Guangzhou 10 district of real estate transactions appear to be encountering a period of Waterloo.　　There are many people who already have houses but want to buy another one, quietly "aloof". Since the housing should be shot when the purchase order limited after the Zengcheng, Conghua City, the opportunity to rob customers but is the so-called "You have the future I have a wall ladder", in Guangzhou this limit to buy a group of people in the enjoyment of the relevant benefits while drilling on the loophole. Zhang Xianzhi, who lives in Conghua and already owns a room, has recently been looking for a small house with a lift, fearing that the purchase order would ripple across all of Guangzhou's jurisdiction, and that Conghua and Zengcheng, the two Guangzhou jurisdictions, would not be affected by the purchase order.　　This can make the 52-year-old Zhang Xianzhi happy, just before the central Bank rate hike, he was fortunate to "heroic sacrifice" became an old house slave. "I feel that the price of the property in Conghua is a little too high, many of the new developments in the urban areas like nicer Lok, Hopewell, and so on the waterfront, and other prices are going to above 7000, and many good floor units have been bought, basically no good unit choice." Restrictions on Conghua and Zengcheng the two marginal cities have little influence, listen to sales staff said instead of a large number of Guangzhou and other investment customers come to purchase.　　"Coincidentally, the reporter recently received a number of Zengcheng and Conghua real Estate promotional ads, many of the sale of the opportunity to push the goods. General text messages to express the content, "good news, Zengcheng temporarily not included in the limited purchase, limited outside the region, Guangzhou, the last unlimited purchase opportunities, Conghua buy house does not account for home purchase indicators!"　　"In fact, like Conghua, Zengcheng due to Canton area, Guangzhou is closer, and many of Conghua's properties with the" big Guangzhou "household account indicators, so it is really able to attract many people regardless of whether they live or invest in all over, so prices have been rising.　　Zhang Shu told reporters that he bought by local developers to build a set of square number of 142 parties, each square price of 7300 yuan, a total value of about 1.04 million, located in the 18 floor of the four room two Hall suite. "When I looked at the building, the sales consultant told me that we were releasing 5 units of 7300 yuan per square metre," he said. Because the location, layout and location is also very consistent with my wife's mind, but also than the same type of units to be cost-effective, so I decided to buy it on the spot. "Zhang Shu excitedly to the press to pass on their purchase," in fact, when the shot, because it is live so will not always think I bought after the problem will not be lost. At the same time, there are fewer new developments in downtown Conghua, so even if the overall price is not too reasonable, I will. Luckily for me, I took all the bank loan procedures before the central bank raised interest rates. "The extra charge outside the down payment should be careful but talking about the whole house purchase experience, Zhang Shu or a little filled with emotion," This new home I gave the total price of 70% down payment, beyond the basic provisions. Considering that many banks are scraping off too much interest, can give as many as possiblePay as much as you can. Moreover, the purchase of a house now a little attention, it is likely to suffer. Zhang Shu told reporters that he bought this suite in addition to 1.04 million plus bank loan interest expenses, there are a lot of costs.　　If you apply for a loan to the bank after the down payment, you must pay a fee to the third party law firm, which varies according to the size and price of the house.　　After the building will produce two large costs: one is to the developers of the property Maintenance fund, mainly a few months of property management fees, the second is to the government to achieve the transfer of property rights, 144 parties under the 1.5% of the total price of housing, 144 parties to hand over 3%. "My kids work in a bank, and even so there is no discount on interest rates," he said. So now the mortgage policy is very strict, fortunately can also enjoy two months of interest-free period.　　"Zhang Shu said.　　Old "house slave" remind--beware of pre-sale area and real area, before buying purchase should carefully understand the contract rules. Zhang Xianzhi to reporters about the housing contract agreed area and measured area of the problem. In fact, in the case of a down payment to the developer, the bank signed the relevant contract, including one is involved in the measured area and the contract agreed to the area of positive and negative within 3% (including 3%), according to the final situation of the buyer to do more than a few complementary. But in many cases when buying a house often easily overlooked this point, it may lead to the real when the building may have to pay more than tens of thousands of yuan. "Mr. Chen, the senior manager of Zhongyuan Real Estate, explained the situation in Zhang Shu," because many of the real estate launch is still under construction of the house or only to get the government's pre-sale certificate, so in the contract with the buyers of the housing area is actually a rough estimate of the pre-sale area, and did not really get the final acceptance of the Government appraisal. "" Then after the government acceptance will have a housing area, which is likely to be the actual area and pre-sale area has a certain situation, so the buyers in the contract will have a positive or negative difference must be within 3% of the terms. If within this scope, developers and investors must be based on the situation to do more than a few complementary. "If the house is 100 parties when the contract is signed," Mr. Chen said, when the total price is 1 million, the down payment or bank loan are subject to this number; When the developers to pay the building, if you tell the home buyers are 102 square, investors must pay more than 20,000 yuan of cash to the developers as a new value-added housing prices. "Perhaps, many readers will ask," This is not the decision of the developers? If the price of the house is expensive, you will have to pay tens of thousands of more pieces. "Therefore, Zhongyuan real estate proposal," The above positive and negative 3% provisions are expressly, buyers must pay attention to understand the terms of the contract, the general situation is best to prepare a certain amount of money. "If you do not pay the extra area, the developer will not pay the building." So in addition to the preparation of funds, I think we should ask the developer when the real area will not change, if the square base is big, the price of the house is likely to finally giveMore money. Of course, if it is not in the ratio of plus or minus 3%, we have the right to check out. "Zhang Xianzhi said.