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Six steps to buying a house.
1. Measure the bearing capacity. Loans are generally used for home purchases, so buyers must consider the impact of monthly loan repayments and property costs on their daily economic life in the future. If we ignore the individual's spending power and blindly chase the high, it may reduce the quality of life.
Generally, the monthly living expenses should not exceed 35% of the monthly income.
2. Select a region. Choose the right area according to the actual needs of life and work of yourself and your family, the surrounding environment, transportation, and development needs, job hopping, and the education of the next generation.
3. Choose a room type. Estimate the room type and area according to the physiological and psychological characteristics of yourself and your family, the needs of life and work, living space, working space, public space, and ability to pay.
Fourth, frame the unit price. Combined with the above conditions, the psychological price level is roughly framed.
5. Gathering Information. Collect information about real estate and related laws and policies, etc., so that you know what to expect. You can carefully refer to the property advertising information of each **.
6. Seeing is believing. Conduct a comprehensive comparison of the accumulated information, and after the initial exploration of the virtual and real, you must go to the site to see the house, and make a comprehensive comparison and understanding under various conditions such as time period, climate, humanities, and natural environment.
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Wait, this market is not very good right now.
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Buying a house is a big deal, and the selection must be fine:
1.When buying a house, try to buy a phase of development, which is generally cheaper and ***.
2.When buying a house, be careful not to buy the one facing the street, the noise is too loud, even if it is a small road, it has the potential to develop into a vegetable market.
3.Don't buy the second floor, the general kitchen sewer is one above the second floor, and the first floor is independent. In this way, the second layer is the most prone to blockage, and if there is a blockage backfill, its condition is miserable.
4.Don't buy the top layer, the top layer is prone to water leakage, although it can be repaired, it is time-consuming and labor-intensive, and the repair time is likely to be extended indefinitely.
5.Don't buy a basement with a kitchen drain, or the collapse will be a matter of time.
6.The screen of the window must be built-in, otherwise it will be fine if it falls on the ground, but it will be difficult to fall on people.
7.The outside of the window must be tilted outward, otherwise the sealant on the window will be flooded if it is aging.
8.The window should be sliding and closed in the middle, with good sealing.
9.There must be a floor drain in the kitchen, so that in case the water pipe bursts, there is a leak in the spot, so that the home does not become the Pacific Ocean.
10.Waterproofing of the bathroom is important!! Be sure to encourage your upstairs to do a full 48-hour closed water test with you at the time of handover to determine its waterproof performance, otherwise the consequences of water leakage will be very painful.
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What to pay attention to in second-hand housing.
1. Verify the identity of the seller. If it is an individual, look at his ID card; If it is a unit, go to the industrial and commercial bureau to see its archives; If the seller has a ** person, see if he has a notarized power of attorney.
2. Go to the housing authority to check the seller's real estate certificate. If the house is jointly owned by multiple people, the seller must provide the identity documents of all the co-owners and a written document agreeing to sell the house; In the case of joint property, whether the written consent of the seller's spouse has been obtained; If the property is rented, the seller must provide a written opinion from the tenant agreeing**; If the house has been mortgaged, the seller must provide a written document that the mortgagee agrees to the house**.
3. If you buy a house through a housing agency, the buyer should choose a formal intermediary agency with a certain degree of credibility, and if necessary, you can check the intermediary agency"Two certificates", one is the business license issued by the industrial and commercial department, and the other is the intermediary qualification certificate issued by the Housing and Land Administration.
4. Carefully check whether the name in the seller's ID card or industrial and commercial file is consistent with the owner of the house on the real estate certificate.
5. If you buy public housing, you must understand whether the public housing you buy is the cost price or the standard price, and the public housing purchased at the standard price must be made up at the cost price when it is transferred. Since the original unit of public housing generally retains the right of first refusal of public housing, the seller should be required to provide a written opinion on the waiver of the right of first refusal of the unit; In addition, due to the particularity of the military, hospitals, and schools, public housing is not allowed without the consent of the unit.
6. If the purchased house is purchased public housing or affordable housing, the seller must also provide a letter of approval from the ** department for its listing transaction.
7. If you know that the house you want to buy belongs to the following situations, you must not buy it: the house that has been included in the scope of the demolition announcement or the house that has been expropriated by the state; Houses that have been seized by people's courts or administrative organs in accordance with law; Houses that are illegally or illegally constructed; Houses with property rights disputes.
8. Review the quality of the house and other supporting facilities. In this link, in addition to checking the more intuitive aspects such as the house type, structure, and materials, buyers must also further understand the details of power supply, water quality, water pressure, gas, heating, pipeline direction, etc.; Learn about the services provided by the property management company and the charging standards.
9. The key commitments should be reflected in the housing sales contract. When the transaction price declared by the real estate management department is significantly lower than the market price, or when the purchased house is mortgaged, the purchased house shall be evaluated; Special attention should be paid to the fact that any key agreement on the transaction or any commitment by the seller should be reflected in the contract and cannot be replaced by an oral agreement, which cannot be proved in the event of a dispute. The necessary terms of the contract mainly include:
The area of the house and its ancillary facilities, the price and payment method, the land use period, the delivery period of the house, the liability for breach of contract, etc.; If you choose the payment method of the mortgage loan, you must go through the loan procedures in accordance with the regulations.
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What are the issues that you need to pay attention to when buying a house, you must need to know.
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What do you need to pay attention to when buying a house, and how to buy the house you want01
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Given that you work in Shanghai and your monthly salary is not very high, it is easy to become a house slave after buying a house in Shanghai. Therefore, if you go back to Anhui to buy a house, you must first pay attention to the location problem, which is the primary factor; In addition, it is necessary to determine the suitable location according to the income situation**; Then we have to consider the basic living environment, children's education, and so on. It's best not to let the house price go too high than you can afford, and if possible, get a loan, in the form of a down payment and monthly payment.
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1. It depends on whether the developer has the strength, whether it can be delivered on time, whether the five certificates are complete 2, and whether the geographical location and housing price have moisture.
3. Look at the management level of community planning and property management companies.
4. See whether the structural design of the house is satisfactory.
5. Whether the traffic is smooth.
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You should know about the procedures for buying a house (omitted).
The most important thing to buy a house to see the house is, pay attention to before you do:
Collect and sort out the relevant information of the house you are looking at, so that you know what to do, and bring a tape measure, notebook, pen and calculator with you for personal measurement and drawing of floor plans.
After arriving at the site, you should observe around the site for a period of time to find out the location of the residential area and the quality of the environment. Inspect the internal environment of the community, such as the size of the community, layout style, green area, building distance, wall height, road conditions, garage, safety level, etc.; Inspect the external environment of the community, traffic roads and stations, vegetable farms and commercial outlets, schools, medical institutions, sports venues, noise and pollution, etc.
When looking at the purchased house, you should check the room type, open the door and see the light, feel comfortable, and try to make the room, living room, kitchen, etc. as bright as possible, fully functional, and reasonable in layout. Check the lighting and ventilation status, open the doors and windows, and actually understand the sunshine, lighting, and ventilation of the house. Verify area and actual utilization.
Actual measurement, view the size of the vignetting angle and the area used only for walkways, and calculate the utilization rate. Check the quality of the house and construction, such as whether there are cracks in the corners of the walls, whether the doors and windows are closed tightly, whether the walls and floors are flat, whether there are cracks in the ceiling, whether there is water seepage around the pipes, etc.
Not only on sunny days, but also on rainy days, to check whether there is water seepage on the roof on rainy days; Look not only at the bedroom and hall, but also at the kitchen and bathroom, because coal, water, electricity, bathroom, etc. are all in the kitchen and bathroom, which is prone to problems; Ask the tenants who have already moved in and listen carefully to the personal feelings of the old tenants, and you will get unexpected gains.
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1.Don't choose a house with a bottom merchant for self-occupation. 2.Don't buy a house with a bumpy appearance. 3.Don't buy a small property. 4.Pay attention to the period of buying a house.
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It mainly depends on whether there is any problem with the house itself, such as cold mountain.
The light blocking is irregular.
There's nothing in there.
In addition, if you want to go to the northeast, you should also pay attention to whether the bun is good or not.
The second is to see if there is any problem with the property rights.
It mainly depends on whether there is any seizure.
Mortgage court judgment.
and other debt disputes.
Then you can go to the housing property trading center to adjust the file.
See if the house is in arrears, including water.
Electricity and gas property package burning.
cable TV, etc.
The price should be in line with the market price.
And then there's the problem of the environment.
It depends on whether you know the neighborhood or not.
If the transportation is convenient.
markets, hospitals, etc.
Second-hand housing should be a combination of various factors.
For example, you don't need to decorate such small problems.
Don't be in a hurry, think about it.
Buying a home is no small matter.
If you're in a hurry, take a look at what you can't get by.
The house itself and the property rights are fine.
Decoration and so on are too demanding and not easy to touch.
It mainly depends on whether the cost-effective example is acceptable.
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Pay attention to the following points when buying a commercial house:
1. The developer's development and operation qualifications must be legal. That is, the developer must have the "Business License of Enterprise Legal Person" and the "Real Estate Development Enterprise Qualification Certificate", and develop within the business scope specified in its qualifications;
2. The procedures for development and construction must be legal. The development project must obtain the "Land Use Right Certificate", "Construction Land Planning Permit", "Construction Project Planning Permit" and "Construction Project Construction Permit";
3. The business behavior is legal. In addition to the above conditions, the sale of existing houses must be accepted and qualified, and the supporting construction of project roads, water supply and drainage, power supply, gas supply, heating, communication and greening has been completed or the completion date has been determined, the demolition and resettlement have been implemented, the property management has been implemented, and the "Real Estate Development Project Manual" has been verified to the real estate management department in accordance with the regulations; In addition to the above conditions, the pre-sale of off-plan housing must also obtain the "Commercial Housing Pre-sale License".
4. When signing the contract, the first is to choose the "Commercial Housing Sales Contract" (model text) of the State Administration for Industry and Commerce and the Ministry of Construction, which is relatively complete in content and standardized; The second is to pay attention to the content of the developer's commitment into the contract.
5. If you buy a house, when handing over the house, you should ask the developer for the "Residential Instruction Manual" and "Residential Quality Assurance Certificate".
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Precautions for buying a house: 1. Be careful of fake offers from developers. Festive discounts don't have to be cheap.
2. Recognize the illusion of the model room. The developer will use various means to beautify the model room. 3. Do a good job of running water and maintaining good credit in order to get a loan easily.
4. When buying a house, we should focus on the location, supporting facilities, school districts and house types. 5. Look carefully at the purchase contract. Pay attention to the delivery time, delivery standards and liability for breach of contract.
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1.Don't choose a house with a bottom merchant for self-occupation. 2.Don't buy a house with a bumpy appearance. 3.Don't buy a small property. 4.Pay attention to the period of buying a house.
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What are the requirements for buying a house?
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It depends on your own needs, and what suits you is the best.
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