What is the best house to buy and how to buy a house is the most cost effective

What kind of second-hand house to buy is cost-effective, which is particular.

First of all, the age of the house is an unavoidable fact, how old should you choose a house?

It should be noted that the age of the second-hand house is not calculated by the time of land transfer, nor is it the registration date on the real estate certificate. The so-called age of the house is calculated from the date of delivery after the completion and acceptance of the house, as long as it can be accepted, regardless of whether it is occupied, the age of the house must be calculated. The age of the house is 0 years old in the year after it is built, 1 year old in the second year, and so on.

For a house within 2 years, the transaction is subject to VAT, and the house transaction within 5 years is subject to personal income tax, and the additional expenses are more. The actual transaction cost of this kind of second-hand house within 5 years is higher, and for buyers, second-hand houses within 10 years are more suitable for purchase.

The first is that the design is not outdated and meets our current criteria for choosing a house. Compared with 2-5 years old second-hand houses, it is more mature and lower. Many old houses have a low total price, but if the house is more than 10 years old, the bank's valuation of the house will also be reduced, and the term of the loan will also be affected.

At present, banks have very strict requirements for the age of second-hand housing loans, and under normal circumstances, second-hand houses that are more than 20 years old are basically not loaned. Some banks even require second-hand houses that are less than 15 years old to be loaned, and high-quality school district houses can be appropriately relaxed to less than 25 years.

Secondly, the main reason for choosing the second-hand house of a large developer is nothing more than the house of a large developer, with mature management, good property and perfect supporting facilities, which can ensure the comfort of living.

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Many people want to buy the best house at the best price, so how to buy the most cost-effective house? What to look for when buying a house? Let's take a look.

1. How to buy a house is the most cost-effective.

1. Choose a second-hand house.

Most of the second-hand houses** are relatively cheap and can be moved in immediately, but second-hand houses need to consider issues such as property rights transfer.

2. Don't buy a small community.

Buyers should not buy small communities, but can choose to buy in communities with both large and small houses, because small communities have a large shared area, which is prone to excessive concentration of water supply and power supply.

3. If you choose to take out a loan to buy a house, the longer the loan term, the better.

4. Use the housing provident fund.

Buyers should first consider using the amount of the housing provident fund loan to pay for expenses such as housing payment or home renovation before choosing a business loan.

2. What to pay attention to when buying a house.

1. Pay attention to check whether the developer holds a legal business license.

It is necessary to choose a developer with high qualifications, a good reputation, and sufficient funds.

2. Pay attention to check whether the developer's five certificates are complete.

The five certificates refer to the state-owned land use certificate, construction project planning permit, construction land planning permit, construction project construction permit and commercial housing pre-sale license.

3. Pay attention to whether the developer's business behavior is legal.

4. Carefully review the terms of the contract.

The buyer should include the developer's commitment to the project in the contract.

5. Pay attention to the delivery time and other matters.

At the time of handing over the house, the buyer should obtain the residential instruction manual and the residential quality assurance certificate from the developer.

6. Pay attention to check whether the property right area of the actual house and the contract area are the same.

7. Pay attention to buying a house based on the actual situation of the family's economic income.

Summary: The knowledge of how to buy a house is the most cost-effective and what to pay attention to when buying a house, I hope it can help you, if you want to know more exciting content, please continue to pay attention to Qeeka Home.

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1. Don't use hybrid loans (business loans and CPF loans), as long as you have enough down payment, don't use them. The reason is simple, first of all, bank deposits are locked, cannot be repaid, and cannot be withdrawn; The second is not worth it, you need to pay more money, take Yangzhou as an example, Yangzhou currently has 300,000, according to the interest rate of 30 years, 1305 yuan per month, according to the interest rate of 5% for 30 years, 1610 yuan per month, only 300 yuan, bridge if your provident fund pays more than 1600 yuan per month, I strongly recommend pure commercial loans, provident fund to repay commercial loans by monthly withdrawal.

2. Don't give too much deposit, if you have a down payment of 30%-25% in the area, then you must make good use of the policy, don't pay more deposit, this is the best loan under the current system. 3. Try to extend the time of the loan, according to the previous regulations, try to reduce the amount of easing and use more policies, within 30 years, do not borrow for another 29 years, because the currency will continue to depreciate, and there will be more deposits in the future.

4. Regarding LPR, my opinion is that you should be careful when you are in LPR, in a word: enjoy the benefits of interest rates as soon as possible. Also, now many people are against the country, and they feel that the propaganda of the first country is a kind of harvest, a kind of rebellion.

I am also engaged in finance, and I also have a few friends from banks, and they all recommend LPR, but their enthusiasm is not high, so they have this idea.

1. Do not use the provident fund before applying for a housing loan: if the borrower has withdrawn the deposit in advance, then the deposit balance is 0, that is, it is 0, that is, it cannot apply for a provident fund loan.

2. The loan shall not be paid off in advance within the first year: According to the provident fund loan regulations in China, a part of the loan must be paid within one year, but you must pay it for more than six months.

3. Don't forget to ask the bank for help when you encounter difficulties with your loan: Don't force yourself when you encounter problems with your ability to repay during the loan process. ICBC customers can apply to ICBC for extension of repayment period, and if the bank confirms that there is no overdue, then ICBC will accept your application for extension of repayment.

With the progress of society and the improvement of the economy, many people will grow up in some cities for a long time, or work for a long time. Then they will definitely have some different feelings for this city, and they will want to buy a house in this city. However, there are some big cities where housing prices are actually very expensive, so when they buy a house, they also need to master certain methods to save their own money.

So what we are going to talk about today is, how to buy a house is the most cost-effective.

The first thing to pay attention to is that when we want to buy a house, we must pay attention to it before the opening. Because most of the buildings will go through some market research when they are opened, then at this time, if there is an opportunity, there are some people who can get some discounts. Therefore, developers will not be sure of the market reaction before the opening of the market, and will register buyers in the early stage.

And at this time, it will provide some amplitude **, so if you can seize this opportunity, you can reduce some funds for yourself.

Pay attention to the ** of the tail building, the second is that we need to know that the ** of the tail floor will be relatively more affordable, but the feeling of the tail room is like being picked by others. But in reality, this is not the case, because more than 80% of the developers of this building have already made a certain profit. And when entering the liquidation sales stage, the ** at this time is more affordable, so if you like the house of a certain real estate very much, you can contact the salesperson more to buy some tail houses.

Find some owners to introduce, and finally you can go to some owners who have bought a house to make some introductions, because there are many old owners of real estate who will have some preferential policies when introducing new owners. So this amount is not much, but it is very good if we can reduce some money when we buy a house. And it is very easy to promote cooperation in a third-party win-win way like this, and we can also buy a house according to the developer's best offer.

Then this offer requires us to adjust the timing and do some research online, so that we can reduce our expenses.

I think it will be more cost-effective to buy a house in full, if you don't have enough money, you should choose a loan, and the interest rate will be lower with a CPF loan.

It's the best deal to pay off in a lump sum because you don't have to incur additional interest, and some mortgages have a particularly high interest rate that is enough to buy another home.

A one-time payment is cost-effective. For a one-time payment, the developer will have a discount, and there is no interest, which is the most money-saving.

I think we should make a comparison and then consider which one to buy, so that it is more cost-effective.

I should pay attention to: first, buy a house and do what you can. Now many people's work income is unstable, and the economic ability to buy a house has also declined to a certain extent, so people who want to buy a house must do what they can, and they can't see others buy a house with a unit price of 20,000 yuan, and they must start from the current economic ability, and if they can't afford to buy a house in a good location, they will buy a house in the suburbs, and if they can't afford to buy three or four houses, they will buy a two-room house, don't overdraft their income, try to control the monthly payment below 30% of the monthly income of Jianqing Song, and look at the last year or two, many people who buy houses with high leverage, There has been a situation where you can't pay your monthly payment, which is something that no buyer wants to happen, so you must pay attention to controlling your budget when buying a house!

Second, the existing house is preferred, and the off-plan house is not bought. In the past year or so, many developers because of financial problems, the developer's real estate has been suspended, so that many buyers feel that Zheng is very dissatisfied, although in recent months to resume work of the real estate a lot, but the developer's debt crisis has not been fully resolved, then the purchase of a house is still based on the existing house, even if it is expensive, it is acceptable, at least it can be touched, and it is practical. If you can't buy the existing real estate, you can also go to see the real estate that can be delivered this year, at least in a capped stage at this stage, as for the delivery cycle to next year's real estate, buyers must be cautious, especially the real estate that has been suspended before!

The house is mostly not oriented properly. North-south facing houses are generally higher, while pure east-west houses are generally sold much cheaper than normal houses. This is because the sun is in the south in most parts of our country all year round, so the south is sunny, with good lighting and long sunshine time, which is suitable for human habitation.

Poor package. There are some houses that don't have much problem with themselves, but they have become ** houses because of the supporting facilities. For example, there is a large smoke pollution in the downstairs house with a restaurant, and there are garbage stations, public toilets, gas stations, high-voltage lines, polluting factories, power plants, oil refineries, etc.

Forensic Auction House. The ** of the foreclosure house is much lower than the market price, which is favored by many people, and can also be regarded as a kind of ** house. However, firstly, although the starting price of the foreclosure house is low, the transaction price may not be quite a lot, and secondly, most of the properties auctioned by the court have certain disputes, and even if the buyer buys successfully, he may face problems such as not being able to transfer the ownership and not being able to move in.

Why is there a ** room in each building?

1. Why is there a ** room in each building? In fact, the first room is a way to open up commercial use to attract consumers. When many real estate projects are opened, there are a certain number of ** houses, using the limited line of ** houses and the characteristics of low prices to prompt buyers to pay money to buy houses as soon as possible.

2. The reason why the house is cheap may be related to the location, such as the house located on the equipment floor. The equipment layer refers to the layer where the heating, power supply or water supply hub equipment is installed, which is generally located in the middle floor, and the operation of these equipment will produce a lot of noise, and will also produce some radiation, near or on the equipment floor or its next floor, equipment noise, mechanical vibration, voltage, etc. will have a negative impact on residential life.