Buying a house is a big deal for every family, what are the pitfalls that are easy to step on when b

With society developing so fast, whether it's because of job changes, children's schooling, or whatever, families are likely to encounter the matter of buying a house, when buying a houseEveryone must pay attention to the choice of house type, surrounding environment and facilities, and also pay attention to the issue of housing prices.

The house type must be chosen well. Buying a house is such an important thing, of course, you can't just look at it and decide, you must go more and see more. Even if it is to rent a better house, many people have to choose half a month, let alone buy a house.

The choice of floor type is important. Since everyone usually lives in a house, it is necessary to choose a room layout that suits your life. Most people love the sun, soPay attention to whether the bedroom, living room, and balcony are facing south, and whether the spacing between the front and back buildings and the height of the floor affect the exposure of sunlight.

Also pay attention to whether the space inside the room is set up reasonablySome houses have large bedrooms and small bathrooms and kitchens, which is not suitable for families who use the kitchen a lot.

The surrounding environment and facilities are also very important, so when you choose, you should take a look at the surrounding area by yourself, or inquire about future plans, and don't just listen to the salesperson. The salesperson naturally said that the environment and facilities are better, a small garden overgrown with weeds, can also be said to be a large square for leisure after dinner, if you don't check it in person, it is easy to be fooled into choosing an unsuitable house. Before buying a house,It is necessary to see if there are a series of basic living facilities such as vegetable farms, supermarkets, hospitals or health centers around the new house, and if there are children at home, also to see if there is a kindergarten in the community, or whether there is a primary school or even a secondary school not far away.

Most people don't buy houses frequently, so we should take a long-term view and pay attention to the needs of the next ten or twenty years.

The most important thing to buy a house is the price of the house. Housing prices vary from neighborhood to neighborhood, which is related to the location, environmental facilities, and dedication of the property. After understanding the actual situation, get rid of the seller's beautifying words, you can choose a house that suits your heart within your purchasing ability.

There are many pits that are easy to step on when buying a house, such as 1. The wrong grasp of the house type leads to no sunlight in the room; 2. The surrounding environment is not grasped well, resulting in a bad surrounding environment after buying a house.

When buying a house, it is easy to step on the pit, there are problems with house types, parking spaces in the community, heating and water supply, school district housing, and unfinished buildings.

When buying a house, you need to pay attention to whether the surroundings are convenient for transportation, whether there are quality problems in the house, whether there are problems such as too large shared area, etc., and also need to pay attention to the lighting and ventilation capacity of the house, and whether there are other fees charged in the purchase contract of the house.

It is easy to buy an old house with an older age, and I feel that it is more practical, but the safety is relatively poor, or it is a house with a bad reputation, which will have a certain impact on the family and life.

It will be because the agent flickered to buy the wrong house. Buy the words that are not suitable. This will put a heavier burden on our families.

First, one step in place.

Many people want to buy a house in one step, but it is not necessary at all, because your requirements may change with changes in income and economic conditions, and it is unknown whether you want to buy a new house at that time. Therefore, when buying a house, you still have to choose according to the current income level and actual needs, and the days of carrying a heavy mortgage early are not suitable for everyone.

2. The name of the child is written on the real estate certificate.

In order to avoid paying all kinds of taxes and fees in the future, some parents directly write the house in the name of their children, thinking that the house will be given to their children sooner or later anyway, and it will be too troublesome to change it later. In fact, writing the child's name directly when buying a house may lead to the following situations:

1. Children may pay more down payment when buying a house independently. If the child and his parents do not have a joint property, that is, the parents' real estate certificate does not have the child's name on the real estate certificate, then when the child buys the first house after becoming an adult, he or she will pay 20% of the first training socks quietly according to the policy, and can enjoy the preferential mortgage interest rate for the first set. On the contrary, if the child has a house in his name, the down payment and loan interest rate will increase, making it more difficult to buy a house.

2. If the property tax is levied, then the child may have to pay the property tax when he buys the second house of the family after marriage.

3. Prepayment of loans.

Some people think that the smaller the total amount of the mortgage, the better, and that the interest lent to the bank is too uneconomical, and that you have to apply for early repayment when you have money, but in fact prepayment is not suitable for everyone. If you have already enjoyed a 20% discount interest rate, it is better to invest in financial products with higher returns, which is much more cost-effective than prepayment.

Fourth, it is better to repay the principal in equal amounts.

With the same loan amount and loan term, the equal principal repayment method is indeed more cost-effective than the equal principal and interest repayment method. However, the high upfront repayment amount of the equal principal will cause great pressure on the buyer with a low monthly income, so that it will seriously affect the daily living expenses, so the choice of repayment method should be reasonably determined according to their own conditions.

Fifth, the gift transfer is the most cost-effective.

Many people think that compared with the sale and purchase of the transfer, the gift transfer is more economical, but in fact, it is not necessarily, we can understand by comparing the tax standards of the two methods respectively.

First of all, the main costs of gift transfer include taxes, deed taxes and notary fees. Among them, gifts from immediate family members are exempt from individual income tax, and gifts from non-immediate family members are regarded as sales and sales, and individual income tax needs to be paid, that is, 20% of the profit of the real estate transaction or 1% of the house price (the real estate certificate can be exempted if it is the only house for 5 years). In addition, there is a deed tax and notary fee.

Buying a house for a lifetime may also be just this time, a house as our lifelong home, is the harbor of our life, buy a good house, life can be happy and beautiful. But many people don't know which houses are best not to buy when buying a house, and on this issue, let's talk about this topic with you below.

1. Low-rise houses.

It is undeniable that the house on the ground floor is the easiest to enjoy the outdoor scenery, and it is convenient to go up and down the stairs, but the air on the lower floor will be more humid, and there are many mosquitoes in summer, and the privacy is not as good as that of the upper floor; Then there are people coming and going, and it's very noisy.

2. Penthouse.

Penthouses are also not recommended to buy. First of all, the house on the top floor is very hot when the house is empty in summer, whether it is in the south or the north, if you live on the top floor, the air conditioning has to be turned on all the time, and the air conditioning electricity bill for a year is enough to choke people; Secondly, the only passage to the top floor is the elevator, if you encounter a bad property company, the elevator is often maintained, then you can only climb the stairs; If the quality of the house is not good, the biggest problem of the penthouse is that it leaks, even if the developer will take care of the repairs, but I don't think you want workers to come to your house often to repair it.

3. A house on the street.

When many people buy a house, they only fancy the location of the house, which is in the bustling street, with cars coming and going, and the crowd is full of people, which affects the work and rest too much, and you don't want to sleep lazily on the weekend.

4. A building decorated with a light curtain opposite the house.

Nowadays, the outer layer of many tall buildings is decorated with glass, which is easy to cause light pollution, and it is easy to make people short-tempered and easy to quarrel with others. Whether it's day or night, glass decoration has a great impact on the light of the house, so it is recommended not to buy a house with a light curtain decoration building opposite.

5. The developer said that the wasteland will be built into a house in a large park.

When buying a house, we know that there will be a sales lady who will introduce that there will be a big park or something, but it has not been built, don't believe these words, many times the developer will change the plan is also said not to be settled, and at the same time, the house under construction will have a lot of noise, which is very troublesome to our lives!

6. The so-called"North-south transparency"house.

Due to the geographical location of our country, many people want to buy it"North-south transparency"house, but here you must really go to the field to investigate, often the sales will say very good, but the reality and you imagine will be different!

7. A house with a small spacing between buildings.

When buying a house, don't buy a building that is too close, because such a house has very poor lighting, and at the same time the noise is loud, and most importantly, such a house is very poor for anti-theft problems, so you must be careful when buying a house, don't buy the wrong one!

Buying a house is a big deal for many families, because now after parents raise their children, especially boys, one of the biggest difficulties is to buy a house, and the problem of the house after he is 18 years old is the main problem, and the problem of the house is solvedThe major life events that parents can do are basically solved, and the rest has to be left to the children themselves. <>

Don't buy the top floor when you buy a house, because the developer told you that the sky is not used for the top floor, and the life of his waterproof material is not equal to the normal service life of the building, that is to say, if you buy the house with large property rights, it is generally 70 years, that is to say, you have 70 years of use rights from the beginning of you buy this house, but the waterproof material on the roof is a better kind, that is, 20 to 30 years, if it is a little worse, he may start to leak in more than 10 years, But you think your house has fifty or sixty years to goYou are looking for a property, can the property be repaired for you? Even if you fix the water leakage every day, aren't you annoyed? It's a waste of your time and energy.

Don't invest too much energy in buying a house and decorating it, it's almost OK to install it, because the decoration is a bottomless pit, your house is bought for 1 million, and you decorate it in 1 million, and he has no essential change, the decoration aspect is in the hands of the 5% 10% of the value of the house, simple decoration and installation of a style you like, no need to install so many bells and whistles, those crystal chandeliers and the like are not necessary, because that thing looks very beautiful when you just finished it, After a long time, you find that it is very difficult to clean up, and you simply don't have time to clean it. <>

Don't believe in the loan to buy a house, give you a variety of long-term loan concessions, for example, he told you, you can borrow from us for 30 years, don't do this, you have money to pay in full is the best choice, don't believe what inflation is told to you, you buy this house now and pay 5000 yuan a month to feel quite stressful, but if you buy this house after 20 years, 5000 yuan may not be money, we do not deny this possibility, But if you basically choose a loan for more than 15 years, it is 1 million yuan for the housePlus the interest is also 1 million, this is the total amount you have to pay, and you think this thing is suitable for your own consideration. <>

The location of the house is very important, the surrounding infrastructure must be inspected and improved, and there is the kind of community that has not been built to give you this kind of expectation housing, that is, try not to buy 7 houses, the developer ran in circles, this kind of thing happened more than once, how do you ensure that the developer will not take some money and then suddenly run away, even if the supervision of real estate is becoming more and more strict, but as long as the real estate developer really wants to run, it can also run, although it is a square meter cheaper than a few thousand yuan or a few hundred dollars, But the risk is too high, don't buy an off-plan house to buy an existing house, and you can transfer the house to renovate and move in soon after you buy it. The community has not yet been built, and even if you dare to buy this house as soon as the land is bought, then you are really courageous.

The first is to avoid the exaggerated description of the agent and seriously think about the basic needs of buying a house; The second is not to buy at will just because it is cheap, to check the quality of the house, as well as the reason for the low price.

Don't buy some older second-hand houses, it's not safe to live in, and I want to buy a house with a bad reputation, and the location can't be too remote, these must be kept in mind, otherwise you will regret it.

First of all, the existing house is the best, what if the real estate developer goes bankrupt? Second, the accident room and the foreclosure room are all things, and the people who come and go are not fuel-efficient lamps, so you should consider it carefully.

Buying a house is a huge investment in China, so be cautious. First of all, try to buy an existing house, don't buy an off-plan house, it is easy to have problems. Second, don't listen to the foolishness of the salesperson, look at it calmly and analyze it carefully.

Third, don't make a decision at once, find out the situation before making a decision.

Don't buy some junk house. Before buying a house, you should look at the surrounding environment to see if there is a garbage dump, cemetery, etc. to be built or have been built. Don't buy a house with small real estate that is easy to run.

For all places, there is basically a phenomenon of real estate running away We want to buy those houses with all five certificates. There is also the choice of the location of the house according to your own conditions and life and work.

Buying a house is a big deal for every family, so what pitfalls need to be avoided when buying a house? I think the first thing is not to buy some worthless houses, and secondly, don't choose some places that are easy to run away, in addition, we should pay more attention to the interest rate when buying a house, and then I will explain to you specifically. <>

1.Don't buy some junk house.

In the past, my friend has always wanted to buy a house, but not much money in his hand, so he found a house that is not so expensive, I can't imagine that there are various problems after this house, on the one hand, I want to build a garbage dump next to myself, you can imagine how uncomfortable it will be if you live with the garbage dump for decades, and the sun of this house is still very bad, so to buy such a house, it is really a loss, and you can't sell it to others. After all, no one wants to live with garbage all day. <>

2.Don't buy a house with small real estate that is easy to run.

This is estimated that many people have thought of this, because for various places, there is basically a phenomenon of real estate running, just like a friend of mine, all his money was taken to pay the down payment, and I didn't think that the house had not done well after waiting for two years, and after waiting for two years, I couldn't imagine that in the end, the real estate developer ran away directly, in such a situation, my money can only be wasted, leaving only a house that has not been built at all, so whoever encounters this situation is particularly unlucky, So don't buy a house with some particularly small real estate. <>

3.Be sure to pay attention to the money you spend when buying a house.

My previous friend didn't have any money in his hand, so when he bought a house, he chose a very small down payment, and he couldn't imagine that in such a situation, he spent much more money than others, because although the down payment was very small, but in fact, the bank used his own money to borrow a lot of money, and the interest rate was very high, so he bought a house of 1 million, and finally had to repay 2.5 million, which can be said to have left a huge financial burden for himself. So be sure to pay attention to the money you spend on buying a house.

All in all, buying a house is a big deal for every family, and it means that we have to pay a huge economic expenditure, so in this case, we must avoid a lot of pitfalls, for example, first of all, we must pay attention to the money we spend, don't let ourselves spend a lot of unjust money, and secondly, don't buy some problematic houses, because such houses will not live in others and do not want to buy, and we try not to buy some small real estate houses, because such houses are easy to run away.