How to evaluate the behavior of buying a house in full?

In fact, for people who buy a house in full, this kind of person is nothing more than money, and if they have money, it is of course the best to buy a house in full. You can save a lot of interest, otherwise, you will have to pay a lot more interest on the mortgage.

And for now, the interest on bank loans is very high, so if you have the full payment, it is still recommended to buy a house in full. After all, you can save a lot of interest, otherwise, your money will be in the bank, compared to the mortgage. It's going to be a lot of money.

Therefore, people who buy a house in full are also very wise, of course, you still have to have money, if you don't have money, you can only take a loan and mortgage.

And there are many benefits to buying a house in full, basically your real estate certificate can be done quickly. Basically, you will be very comfortable and move into a new house without some unnecessary disputes, and so on.

1. No pressure to repay loans.

Buy a house in full and pay off the house payment at one time, and in the future life, you don't have to deliberately set aside a sum of money every month to pay the loan, so that you are more free in the allocation of funds, the interest rate on the loan to buy a house is high, and the pressure of monthly loan repayment is very great. Once there is a problem in the family's economy, your ability to repay will be affected, and the mortgage will be cut off, resulting in no return, and you will not have to go into debt to buy a house in full, which is a lot easier psychologically.

2. There is a discount for buying a house.

In order to return the funds as soon as possible, the developer of course hopes that the buyer can buy the house in full, but now it is too high to buy a suite, and most people still choose to take out a loan, so in order to promote the full purchase of the house, some preferential discounts are often given, and the range varies. For example, if you buy a new house of 4 million yuan in Beijing and give a 98% discount, you can save 80,000 yuan.

3. The process is relatively simple.

If the buyer chooses to buy a house in full, he can avoid the step of applying for a bank loan, and does not need to provide complex materials such as proof of income, and does not need to consider the problem of being rejected by the bank.

4. It is easy to resell when buying a house in full.

If you want to sell the house in the future, it is easier for the house with complete property rights to complete the transaction in a short time, and the house without a mortgage can be sold at any time.

What should I pay attention to when buying a house in full?

1. Be cautious when signing a contract.

There is less process to buy a house in full, so when signing the contract, you must pay attention to the details, understand the terms in the contract clearly, and require the developer to clearly write the benefits and commitments into the contract to avoid changes. The purchase contract should clearly stipulate the specific time for the property right certificate to be processed, and the buyer can also use the contract to bind and agree on the specific liability for breach of contract.

2. Investigate the strength of the developer.

Whether it is an off-plan house or an existing house, it is necessary to pay attention to the developer's brand, the developer's strength is insufficient, and the built property may also have problems, which may lead to delayed delivery or housing quality problems. If the real estate is unfinished, the delivery is delayed, and the developer runs away, the buyer will be at a very large risk of buying a house if the house is bought in full. After all, all the housing payments have been handed over to the developer, and I have no confidence to speak.

3. Field trips.

If you buy an off-plan house, then you can go to the site in advance to observe some of the project, you can see the quality from the planning and details of the community, you can also communicate directly with the on-site staff to understand, set some information, and pay attention to some details such as the façade and materials of the real estate. At the same time, pay attention to the developer's capital operation, real estate construction cycle, etc.

There are many advantages to buying a house in full, one is that buying a house in full is more economical and does not need to bear interest fees; Second, there is no future repayment pressure to buy a house with full payment; Third, it is easier to buy a house in full and change hands.

There are also many disadvantages, one is that the financial pressure to buy a house in full will be relatively large, so it is suitable for families with abundant funds; Second, the investment risk is high, and the off-plan housing is afraid of encountering some problems such as unfinished houses, and if the funds are in hand, there is more room for choice.

1.To buy a house, you first need to know whether you have the qualifications to buy a house, taking Beijing as an example, if you don't have a Beijing hukou and want to buy a house in Beijing, you need to pay individual income tax or social security for 5 consecutive years, have a legal and valid temporary residence permit, and ensure that you have no real estate in Beijing. Secondly, you need to determine the area of the house according to your own funds and choose a few real estate projects you like.

2.On-the-spot viewing, understanding the real estate information on the favorite real estate project, you can go to the field, only you have seen it, you know the real situation, advertising and the actual situation is a little different. When the existing real estate is seen on the spot, you can have a preliminary understanding of the supporting facilities, and the supporting facilities of the off-plan real estate are generally still under construction, and you can inquire about the surrounding planning on the ** of the Housing and Urban-Rural Development Commission.

3.Ranking and selecting some properties that are opened in a centralized manner, the developer will let the buyers number them, and wait until the day of the actual opening to select the house according to certain rules.

4.When submitting the housing qualification review materials, subscribing to the optimistic house, and preparing to sign the subscription letter, you need to prepare the materials for the housing qualification review and hand them over to the developer. Then you need to pay a certain amount of deposit, and the proportion of the deposit shall not exceed 20% of the total price specified in the contract.

5.After the online signing, signing the contract, and paying the house purchase qualification are approved, the online signing can be signed immediately, and then you need to sign a paper version of the purchase contract. When signing a house purchase contract, it is necessary to pay attention to whether there are blank clauses in the contract, whether the obligations and rights in the supplementary agreement are equal, whether the liability and compensation for breach of contract are clearly written, whether the delivery date and delivery standards are clear, and whether there is a monopoly property management right.

Buy a house in full and pay for the house, and the invoices received need to be put away, and they need to be used when paying taxes.

6.After the first few steps of repossession, the buyer needs to wait for the developer to notify the repossession. Buyers need to pay attention to the time of receiving, carefully check every detail of the house during the house inspection, and check the "three certificates, one book and one table". If the developer can't produce these documents, he can directly refuse to take over the house.

7.After paying the tax house, the full purchase of the house can take the purchase invoice and the invoice for the difference in the measured area (if the off-plan house is purchased and there is an area difference, there will be) to the local taxation bureau to handle the tax payment business. Generally speaking, commercial housing needs to pay deed tax and public maintenance**, and commercial housing needs to pay an additional stamp duty, and then pay property fees, heating fees, parking space fees, etc.

8.If you buy a house with the full amount of the house, you can choose to run the house book yourself or hand it over to the developer to handle it. Under normal circumstances, the processing speed of self-run housing is faster than that of the developer, and the developer will generally hand it over to a third-party agency to handle it, and a certain fee will be charged.

1. The advantages of buying a house in full.

1. The total room payment is small.

In addition to paying for the house, the monthly payment also includes the interest owed to the bank, and all the expenses add up to much higher than the original house payment. However, buying a house in full can save this part of the expenditure, exempt the loan from various handling fees and bank interest, and save tens of thousands or even hundreds of thousands of money in total. Moreover, if you buy a house in full, you can get much more discounts and discounts than customers who buy a house with a loan, and the developer is also very happy for customers to buy a house in full.

2. The process is simple, worry-free and labor-saving.

For customers who buy a house in full, they either have money or want to save trouble, and in the actual process of buying a house, it is indeed proved that buying a house in full is easier than buying a house with a loan, as long as the funds are ready, other things are logical. For example, you can directly sign a house purchase contract with the developer and pay the house payment, without waiting for everyone to queue up to sign a contract with the bank, take a loan, and wait for approval at the agreed time, eliminating the process of maneuvering with the bank.

3. Secondary trading is convenient and fast.

Buying a house in full also has an advantage in second-hand housing transactions. The shorter the age of the house, the easier it is**, and the easier it is for the seller to successfully complete the transaction if the seller has no loan, and it is easier to find a buyer to complete the transaction.

Buy a house in full to save money.

For developers, the full amount is definitely preferred. Most of the new houses are for a period of time, that is, the houses are only partially repaired and they start to sell the houses, and many developers simply do not have enough funds to sell the existing houses, and the developers want to return the funds as soon as possible to repay bank loans and pay for the project. If it is a full purchase, you can get the full amount after signing the contract, and if it is a loan to buy a house, it may take a few months to get the final payment after signing the contract, and the developer naturally prefers buyers who buy a house in full.

Buying a house in full will generally be more preferential than buying a house with a loan, such as a 3% discount for a loan, a 6% discount for the full payment, and a house of 1 million yuan may be directly discounted by tens of thousands of yuan. For the average family, it may take several months to earn tens of thousands of yuan. In addition to the preferential price on the price, you can save a lot of interest on the full payment.

The process of buying a house is simpler.

The process of buying a house in full is very simple, just wait for the delivery of the house after signing the purchase contract. The process of buying a house with a loan is much more complicated, you need to go to the bank to sign the loan contract, you also need to prepare the bank loan information, and then wait for the mortgage approval, and then wait for the loan to be approved, and then start to repay the mortgage after the loan is completed. Buying a house with a loan generally requires several trips back and forth between the sales department and the bank.

Get the title deed faster for the full payment house.

Although the real estate certificate is processed at the same time for the full-payment house and the loan house, the time to get the real estate certificate for the full-payment house is generally faster. Because the full payment of the house can be handed over to the buyer as long as the real estate certificate is handled, and the loan house is handed over to the bank for the first time to get the real estate certificate, and the bank gets the mortgage to the housing authority, and then handed over to the buyer after the mortgage is completed. Under normal circumstances, the time to get the real estate certificate for the loan house is a few months later than the time to get the real estate certificate for the full payment house.

Full-payment rooms** are simpler.

Although many people who buy houses now are buyers who just need to buy houses, they are buying for their own use. But no one can guarantee that this house will live in for a lifetime, and it may not be long before you think about it. If there is no mortgage and there are no restrictions on the full payment of the house, you can transfer the ownership at any time.

If it is a loan to buy a house, you need to pay off the mortgage before you can go through the transfer procedures, and now you need to make an appointment in advance to repay the mortgage in advance, which will delay a long time. So the full payment room** is the easiest.

To sum up, there are many benefits to a full-payment room. If you have the money, it is more cost-effective to buy a house in full.

Benefits of buying a house in full:

1. It is more economical to buy a house in full

When buying a house, if the buyer buys in full, the developer has a greater discount for the one-time payment, and can save part of the house payment. Under normal circumstances, the developer's discount is different from that of the mortgage, and the discount of the full payment will be greater. In addition, although the full payment for the house is a large amount, it can save various fees and bank interest and other expenses incurred when applying for a loan.

Overall, it is more cost-effective to spend less on buying a house in full than buying a house with a loan.

2. The process is simpler

If you choose to buy a house in full, the buyer can sign a purchase contract directly with the developer, which is a simpler process than buying a house with a loan, and avoids many things in the process of buying a house. For example, a series of troublesome things such as providing proof in handling bank loans.

3. It's relatively easy**:

Usually, it is easier to buy a house in full, without being subject to various constraints from the bank, and you can strive for greater profit margins as soon as possible when the price is priced. On the other hand, when the buyer is under financial pressure, the house with full payment can also be used as a mortgage.

4. Quickly obtain property rights

One-time payment, if it is an existing house, you can get the title of the house quickly, if it is an off-plan property, this payment method is relatively low**. The mortgage can be realized at any time, no interest is generated during the transaction and the transaction operation procedures are relatively simple.

The top ten pieces of advice for buying a house in full are: just need to start in time, cherish the first place, try to buy it yourself, don't ask for too much advice, find an intermediary to cooperate if you are not an expert, verify whether the location meets the requirements, the quality of the property is very important, clarify the tax issues of the house, choose the house that is too old carefully, and the hardcover house can be given priority.

1. Just need to start in time.

If you just need it, then, as long as you have enough money on hand, you can make a move. It is necessary to pick the lighting, to be oriented, to be functional, to have a large balcony, to be finely decorated, and to be full of advantages. I'm really sorry, it doesn't.

Or, it's expensive. There are unsatisfactory places in any house, and it is very important to understand your own needs.

2. Cherish the first set of places.

In these days, a first mortgage is precious. It is not necessary to buy a house at one time, but it is best to buy one that can meet the demand within 7 years. The first year is married, the second year is born, and the seventh year is school.

3. Try to buy it yourself.

If you can, buy it yourself. There are a lot of problems after marriage, especially girls.

4. Don't ask for too much advice.

Don't ask intermediaries everywhere, even if a high-quality agent won't cheat you, it's hard to help yourself consider all aspects. Be sure to do your own homework.

5. If you are not an expert, you should find an intermediary to cooperate.

If you are also a "half bucket of water", buying a house for the first time, and you don't understand anything, then it is recommended that you find an agent. At least the agent will also teach himself some ways to avoid pitfalls. Don't be stubborn, don't believe anyone, and then buy it yourself.