Is it better to buy a new property or a second hand one

New and second-hand homes have their own advantages and disadvantages, and understanding your needs is the most important. Generally, new houses have advantages in terms of down payment ratio, taxes, loan terms, house types, etc., and second-hand houses are lower, the school district is stable, and the occupancy is faster. If the price of a second-hand house in the city is upside down, give priority to buying a new house, and if you are in a hurry to move in or your children go to school, then buy a second-hand house.

There are pros and cons to new and second-hand houses, and buyers can compare and choose according to their own requirements and budgets, and can consider the following aspects:

1. Location: Second-hand houses can be seen everywhere in urban areas and hot spots. New HousesIn recent years, there are not many new buildings in urban areas, and most of them are built in the suburbs and far away from urban areas. For houses with the same geographical location, second-hand houses naturally have a greater advantage.

2. Transportation: There is a dense transportation network in the core area of the second-hand housing city, and the traffic environment is naturally superior. The transportation of new houses is not very convenient compared with second-hand houses, there are not many bus lines, and some real estate roads are not smooth.

From the perspective of traffic environment, the advantages of second-hand housing and new real estate are different, and there is no distinction between them.

3. Appearance and house type: The second-hand house is slightly traditional and single in appearance due to the long construction time, and most of them are based on the architectural style of the nineties. At the same time, in terms of house design, the overall house design is not very reasonable, the room is not bright enough, the living room area is too narrow, and even some old houses do not have a living room.

The new house is relatively novel in appearance, modern and visually impactful, and the design of the new house is more humane, with large open rooms, open kitchens, and large living rooms that are more in line with the living concept of modern people. From the perspective of the appearance and interior layout of the building, the new real estate occupies a large proportion.

4. **: Just in terms of **, second-hand housing is more advantageous, which is also an important factor to attract buyers to buy. In contrast, the unit price of a new home is higher.

5. Property management: second-hand houses obviously do not have the advantages, the age is early, the facilities are not very perfect, the property is relatively poor, and the new houses are relatively perfect in all aspects, with a set of mature property services.

6. Appreciation space: The advantages of the two are different, so the development prospects are also different. The appreciation potential of a new home is relatively high, but it is relatively high at the time of purchase.

7. Transaction mode: Most buyers are suspicious when buying second-hand houses, most of them because of intermediaries, as well as complex transaction procedures and processes, which are not easy to be supported by buyers. The new house is simple and straightforward, and the developer handles it single-handedly.

Do the math how much it will cost you to renovate your home

Due to the price of the house, the new house is also selling higher and higher, which leads to many people having to choose the second-hand house when choosing the house, so when buying a house, people will discuss whether it is better to buy a second-hand house or a new house.

1. Loan method.

Generally speaking, the down payment for a new home loan will be relatively low, while the down payment for a second-hand home will be higher, so choosing a new home will be less down payment.

However, unlike new houses, second-hand houses are relatively flexible in terms of loan methods, and they can also choose the loan method according to the buyer's own conditions. In addition, the choice of banks is relatively broad. Destroying the Bureau.

2. Risk comparison.

Generally speaking, the risk comparison between new houses and second-hand houses can be divided into pre-acceptance houses and post-decoration.

1. The risk of a new house.

Nowadays, most of the real estate is in the form of off-plan housing**, and there will be some risks in off-plan housing**. For example, the developer's funds are prone to some problems, the delivery of the house is inconsistent with the advertisement, and it is easy to appear unfinished buildings, and some unsatisfactory phenomena in the later stage of decoration.

2. The risk of second-hand housing.

In addition to the risks of new houses, there are also risks in second-hand houses. For example, what happens to the owner will choose the first house, and at the same time, it also depends on the problems of the house's walls, decoration, water and electricity, etc.

3. Delivery time.

The development of a new house will take a little longer, generally speaking, it will take 2-3 years, if you are an owner who is in a hurry to move in, it is not recommended to buy this house.

Second-hand housing is different, it is a re-listed house, basically for living is also more secure, and at the same time, the worst of the house can also be seen at a glance. The most convenient thing is that the buyer can get the new real estate title certificate after the transfer.

Fourth, the surrounding facilities.

New houses are generally built on newly developed land, and the surrounding supporting facilities are relatively not so perfect.

However, second-hand housing is different. The second-hand house is an existing house, it can be said that this kind of house is also visible, and its surrounding facilities are also perfect, the transportation is convenient, and the overall business atmosphere and shopping environment are relatively good.

Summary: The relevant content about buying a second-hand house or a new house is introduced here, and the above has made a comparison of these two kinds of houses, so that you should know which house is suitable for you. I hope the above introduction is helpful to you.

Enter the area and get the decoration for free**].

Enter the area and get the decoration for free**].

Of course, there are advantages and disadvantages to both, depending on whether your start-up capital is sufficient, if the down payment is not high, and there is enough stable and flexible monthly payment ability, then you can buy a new house.

Advantages of the new house: 1. The house design of the new house is very innovative, which is in line with the living concept of modern people: such as the new design of the entrance and bay window, the current house is standard, and the old-fashioned house may not have such a design idea;

2. The age of the new house is short, and the longest term and maximum repayment period of the loan: the monthly repayment pressure is low;

3. The transaction process of a new house is simpler than that of a new house: the process of a new house is: to see the house from the sales office, sign the contract, choose the loan bank, pay the money, pay taxes, and finally get the house. Compared with the complexity of second-hand housing, new housing can save a lot of thought;

4. Low taxes and fees for new houses: only a few and necessary expenses such as deed tax, public facility maintenance, and real estate registration need to be paid;

5. The property rights of new houses are clearer than those of second-hand houses, the property rights period is longer, and the property rights period is longer: the property rights period is calculated from the day the buyer buys the land, and generally speaking, the remaining property rights of the second-hand houses are shorter than the new houses.

Disadvantages of new houses: 1. Inconvenient transportation: Usually, bustling residential areas start from the city center. When a new residential area is built, especially a new one, the traffic situation is not very good at the beginning.

2. The risk of off-plan housing is very high: most of the new houses are off-plan, and after buying a house, it is often difficult to see the real house or search, and even sometimes, it will encounter lawsuits from developers. This requires buyers to choose a more reliable plan when buying a new house;

3. The supporting facilities are not perfect enough: most of the supporting facilities around the new house are still in the construction stage, and all kinds of supporting facilities will gradually improve when the new house is delivered and the owner moves in. This also has a great impact on their living environment.

The above is the answer to the question of whether it is better to buy a new house or a second-hand house and related questions, I hope I can satisfy you and provide you with some ideas for your problem.

1. There are differences in location. Nowadays, most of the new houses in many cities are far away from the city center, and there are also new houses built on the basis of the demolition in the urban area, which is slightly more expensive. But the second-hand housing location, environment and other aspects are good.

On the whole, the location of second-hand houses is better than that of new houses.

2. The house type and appearance will be different. From the appearance of the house and the type of house, this new house is better than the second-hand house, with the change of the times, the design of the new house is more and more novel, whether it is lighting, house type, community greening is very attractive, and the second-hand house is far from the same in this regard.

3. The transaction process is different. To buy a new house, you only need to sign a purchase contract with the developer and apply for a bank loan, and it will be completed by someone who will take you all over the city. Then you can wait for check-in.

The process of second-hand housing is to check property rights, sign tripartite contracts, pay down payments, handle bank mortgages, transfer titles, obtain certificates, handle mortgages, bank loans, etc.

Buying a new house is good, and the benefits of buying a new house are as follows:

1. The down payment for a new house is lower, and the cost of buying a house in the early stage is lower.

The minimum down payment ratio for a commercial loan is 20%, which means that a commercial loan can generally apply for about 80% of the housing payment. However, when the bank approves the loan of the second-hand house, it is approved according to the appraisal price, which means that the actual loan amount may only be about 80-90% of the actual transaction price, which is less than eighty percent, and for buyers, they have to prepare a down payment of more than 2 percent.

In addition, if the mortgage on the house has not been paid off, then the principal may remain in the hands of the bank, and the seller may demand that the remaining loan be paid by the buyer at the time of the transaction, and then redeem the principal. This is also a disguised increase in the down payment ratio for home buyers.

2. The taxes and fees of second-hand housing are complex and numerous.

The only taxes that need to be paid after the purchase of a new house are deed tax and house maintenance**, and commercial real estate may also need to add a stamp duty; However, if it is a second-hand housing transaction, the buyer and seller need deed tax, personal income tax, and value-added tax; If it is public housing, it is also subject to land appreciation tax, etc. It is also necessary to consider the age of purchase, whether it is full of second class, etc.

3. The new real estate right is clear and the property right is longer.

When buying a new house, the property rights issue is easy to deal with, the buyer is the property owner, and there is good communication with the developer, and it is difficult to have disputes. However, second-hand housing is not necessarily, the transfer of property rights is a relatively common problem in second-hand housing transaction disputes, and the buyer often faces the problem of giving money, but the house cannot be transferred, which is very dangerous for the buyer.

There is also the issue of the property rights of the house, the general residence is 70 years, and the new house may be delayed for one or two years from the land to build the house, but compared with the time of 70 years, it is still acceptable; However, there is a great hidden danger in the property rights of second-hand houses, first of all, the property rights period affects the bank's assessment of the value of the house, and then affects your loan problem, especially some houses that have more than 30 years of property rights, the bank will generally not approve the loan.

4. The transaction process of new houses is clearer than that of second-hand houses.

The two parties to the new housing transaction are between the buyer and the developer, according to the normal steps, look at the house and choose the house, pay the money to sign the contract, take out the loan and then close the house when it expires, although the process is more cumbersome, but it is very clear; As for second-hand housing, the buyer, the seller and the intermediary, not to mention the game between the three parties, there are also problems such as housing verification, face-to-face signing, transfer, etc., which is not only cumbersome and complicated, but also prone to disputes caused by poor communication between the three parties.

Compared with the new house, the procedures of the second-hand house are more complete, the quality is more intuitive, as long as you know the trick of buying a house, you can buy a better second-hand house than the new house, therefore, it is better to buy a second-hand house. Moreover, the transaction volume of second-hand housing has now exceeded the transaction volume of new housing, and buyers will definitely realize the advantages of second-hand housing.

First, cheap **, low decoration costs, in the same situation, the second-hand house ** is lower than before, this is because of people's psychology of the new house, and the second-hand house after a period of use, there will definitely be a certain depreciation, which is an advantage that can not be ignored. At the same time, the main body of the second-hand house is its own, its decoration level and quality have a certain level, if possible, as long as the buyer can simply clean or repair it can be occupied, which not only saves the cost of decoration, but also can improve the efficiency of occupancy. If you're lucky enough to meet someone who needs money, you can lower the **, which is a good deal.

Second, the supporting facilities are relatively complete, living, wearing, living is very convenient, many new communities and real estate, are in recent years to start construction, but the supporting liquid is not to keep up, which will cause great inconvenience to the people who live here, and second-hand housing does not have this problem. The surrounding second-hand houses are fully furnished, and it is very convenient for clothing, food, housing and transportation. The supporting facilities of second-hand houses are generally very complete, banks, hospitals, supermarkets, and schools are under construction.

Third, the surrounding natural environment, living environment and other software and hardware equipment is easier to identify, new projects are still under construction, many plans are "on paper", so whether it can become a reality is still unknown. The second-hand house belongs to a more mature residential area, the surrounding greening, the surrounding environment and other hardware facilities are clear at a glance, people who buy a house and socks shed can take a look first, and then consider whether to live in, the psychological expectations are not much different from the actual situation. In addition, you can choose a place with a better soft living environment from the field investigation of the mainstream population, property management level, security, etc., which can add a lot of color to life.

The above is whether it is better to buy a second-hand house or a new house, and the second-hand house is more advantageous than the first and the procedure, I hope the above content will help you.