Buy a house

I have been viewing the house recently, so it is almost a professional house watching.
Know what the public room has been purchased, two limited rooms, affordable rooms, relocation rooms, etc.
And the tricks of the intermediary. In short, the more careful and more secure.
A friend who wants to buy a house also asked me for advice. So I will give you some ideas about purchasing a house.
The first is the motivation to buy a house.
Why do you buy a house? In the current situation, if you think you can support housing, you can buy it. Don't worry too much about house prices. If it is the second set, you must be cautious when making an investment.
Purchasing mentality:
Don't worry too much: buying a house is a major event or even a system project. Therefore, you must consider carefully before buying. Don't be hasty.
Don't be too sedated: too sedated. No good house is yours. You can get started quickly. This accuracy requires a thorough preliminary investigation (see the house selection ).
House selection:
1. Do not run around when buying a house. First, you need to check a few of your favorite regions, including the z f blueprint, Metro layout, landscape, and ecological park.
2. Select your favorite real estate from these regions. Factors include work distance, school district room, large supermarket, subway station, university area, famous Disk Area, and new and old community.
3. Find and compare projects from various favorite projects. This comparison involves horizontal comparison and vertical comparison.
The horizontal layout is compared with the real estate of other residential areas. Vertical is the comparison with historical transaction prices.
It is important to select a location to buy a house. It should be said that the center is better. Preserve the value and increase the value quickly. In particular, our first-tier urban office workers have reduced their return time a lot. Houses along the subway station appreciated rapidly. It is also convenient to go to work.
You also need to consider the school district housing. It is important for children to choose education resources in the future. Of course, it is best to have a good hospital nearby, such as the top three.
Some people say that the price in the city center is too expensive and very old. Therefore, it depends on your choice. As a matter of fact, I think it is appropriate to have a good decoration inside. The problem is not very big.
In addition, if we buy a house like ours, we 'd better buy a second house. Or small three homes. What is the one-bedroom province? /P>
The actual area of the purchased public room is larger than that of the local area. So you can purchase.
The property right of the House depends on whether the house is owned by an individual. If it is public, there is a risk. An individual's property rights shall be entitled to a land transfer (estimated price: 3% ). It can be securely transferred into commercial housing. However, the quality of residents in the Community needs to be considered. Because the surrounding area is surrounded by local villagers as neighbors (although I am a farmer, I still have some concerns from the actual perspective ). The quality of buildings, residential property management may decline.
Affordable housing must take 5 years. It is highly risky to buy a house without a house. Even for notarization. In addition, the quality of the building and the property may be poor.
Let us leave the two restricted rooms alone. None.
When buying a house, the residential property, security, municipal water, electricity, gas, etc. All considerations. Also, check whether there are quality problems in the house before.
It is best to buy a building.
First, the use area is high, the second living density is low, and the quality of life is relatively good. The third fire and earthquake are easy to escape from the scene.
In addition:
If you want to buy a 60-70 square meter house, it is best to buy a boarding building, because the boarding building has a high room rate, high use area. For a house with a building area of 65 square meters, the use area of the boarding and tower is quite different.
It is best to buy a combination of high-rise Towers. Because the North and South are transparent. The building distance should not be too dense, otherwise the light will be poor and will feel depressed.
Needless to say, the floor is golden three silver four. However, it is recommended that you do not buy a tower level or higher than 20 levels. The first floor is dirty, more than 20. Although the field of view is good, the fire and natural disasters are not easy to escape, and the security risks are relatively high (whether the ladder can be reached is unknown ).
It is also better not to buy 9-11 layers. Because the height is the pollution layer of the atmosphere. It is estimated that there are not many people who know this.
It is best to buy a house in the North and South, pure south, southwest, southeast, East or east, pure West. But it is best not to buy a pure north direction, which is not conducive to air flow, the home is easy to wet, clothes are not easy to dry. In addition, feng shui is also very "back.
Pay attention to the utilization rate of the house in the room. Some houses waste too much space, for example, the aisle is too long and the bathroom is too large.
This is probably the case for the above house. Let's talk about the transaction.
Assessment price: for example, the "8 to 80% of bank loans" is not of the transaction price. It is 80% of the evaluation price. Specifically, the price of the house is 1 million. However, in order to control risks, banks only assess 0.8 million. In this case, 80% is 0.64 million. Therefore, your down payment is 0.36 million instead of 0.2 million. Plus the personal business tax (the difference is 5. 5%), deed tax of 1%, stamp tax of 1%, and intermediary fee (3%) are estimated to be 10%. Of course, the higher the down payment, the lower the tax (lower the rating ). If the down payment is not enough, you have to make a high evaluation, and the tax is also increased.
Deposit: the current price is tight. It is very likely that the price will rise as soon as you buy it. Therefore, we need to pay the deposit to prevent the homeowner from changing. It is best to get stuck with him with a deposit, but not much. Generally, it can be 1-3 million. Of course, before deposit, you must check the room book, ID card, etc. Affordable housing must depend on whether the house is full for 5 years and the property right. If it is not handled by the owner himself, the owner and the principal must go to the property rights registration office to apply for a valid letter of authorization.
In addition, although the intermediary fee is 3%, you can give him an 8-fold discount. If you can, you can ask an intermediary Company A to help you find a house. After seeing this, you can ask an intermediary company B to help you buy a house and give him a few yuan or a few thousand yuan, (The first-tier cities generally have a point ). They are willing to do it. First-tier cities can save tens of thousands of intermediary fees.
To buy a house, do not lose money to the intermediary. Because the intermediary can help you do many things, some of which you cannot do on your own. For example, high rating. The intermediary can help you run errands, saving a lot of work time. Of course, do not give money to the intermediary before the contract is signed, so that they will not take the money. It is also possible that the loan bank you are looking for is not good. You need to pay a lot of fees and pay a lot of money. Because many banks return to intermediary agencies, it is said that the number is not small. Therefore, it is best for the intermediary to give it to them after it is done.
In addition, the loan amount should not exceed 1/3 of the household income. One is to prevent risks, and the other is to make necessary living expenses for the family. A bank loan requires a proof of salary. That is to say, the maximum monthly payment is half of your monthly salary. If your salary is indeed less than twice, you can find a similar company to help you make a proof of salary (there is no way to do it, it is not recommended ).
The selection of loan quotas is also skillful. Although the loan period is small and the interest rate is small, if the monthly repayment pressure is high, it is best to choose the maximum loan period.
Because we are in a sensitive period of consumption, it may be costly in the last two years. However, if you have money on hand, such as 50 thousand yuan or something, we can make an appointment to concentrate on several large payments. In this way, our interest will become very small. The stress of life is also less. However, you should remember that, for a commercial loan and an equal amount of repayment, in 10 years (for a loan of 30 or 20 years), interest accounts for about 60%-70% of your repayment. Therefore, we need to pay off the mortgage in 10 years.
Currently, a provident fund loan can only be made once in your life. So I want to know about the loan.
For furniture, they are used in daily life. If you have a tight hand, it is best not to buy them all at once (especially to buy some chicken ribs ). You can live while adding. When you have a little more generous, you can buy another one.
The above is my purchasing experience. Because it's just your own experience or observation from the surrounding area. Therefore, prejudice or incompleteness is inevitable.
Please give me more comments. We will discuss it together.