1. Rent or buy a house?
Before buying a house, buyers should first think clearly about the purpose of buying a house, and compare renting or buying a house is more suitable for them. Rent and buy have their own advantages and disadvantages, and cost, risk and stability have their own advantages and disadvantages. Buyers can make choices according to their own needs. In addition, some questions such as "Do you want to stay for a short time? Is the work and financial situation stable? Do you want to get the connections of famous schools? Are you optimistic about the real estate market? Do you want to take advantage of low suction? " Wait. Should be carefully considered, the most important thing is to choose according to your own needs.
2. Buy a first-hand house or a second-hand house?
If property buyers decide to buy a house, they must decide whether to buy "first-hand property" or "second-hand property" before buying a house.
Know your financial situation
When deciding what kind of property to buy, such as "first-hand house" or "second-hand house", buyers should clearly understand their financial situation before making a decision. Property buyers should measure their contribution ability and budget their monthly contribution, and the proportion of contribution expenditure to monthly expenditure.
Two: Looking for a house
1. Which neighborhood is good?
It is very important to choose a suitable place to live. The main factors to be considered are the property price and appreciation potential in this area, as well as the land planning in this area. Whether there will be large-scale projects one after another is also a problem worthy of attention, because the landscape and living environment of the unit will be greatly affected.
Home buyers should first set their own requirements for residential areas, such as transportation facilities, school network, public facilities, catering, shopping facilities, environmental quality, public security and so on. , and arrange each condition in order, putting the most ideal regional condition first, and so on. So that buyers can know what they need most.
2. What kind of house suits you?
In addition to choosing where to live, home buyers should also consider what type of housing they are suitable for and what conditions they should have. Home buyers should first set their own living conditions, such as developers, geographical location, appearance, apartment type, property quality, property facilities, club facilities, property prices, building age, appreciation potential and so on. , and arrange each condition in order, putting the most ideal living condition at the front, and so on. So that buyers can know what they need.
There are several types of houses, which can be roughly divided into four categories: independent villas, garden houses, mansions and single buildings, each with its own advantages and disadvantages. Independent villas and garden houses can keep pets, which are relatively independent and not subject to the constraints and influence of house-style management; Large housing estates are often self-sufficient, with food, shopping, transportation, entertainment and other facilities available, but pets are usually prohibited; Although some single buildings have geographical advantages, the management fees are generally expensive and there is a lack of entertainment and clubhouse facilities.
Different types of houses have their own advantages and disadvantages, so buyers should consider clearly what kind of house they want. If you want to keep a pet, you can choose a villa or a garden house. If you want to live a simple and convenient life, choose a large residential area with complete facilities.
What kind of unit do you choose?
Property buyers should not only know their own housing needs, but also know their own requirements for the unit. Property buyers should put forward their own requirements, such as area, utility rate, layout, orientation, landscape, building height, geomantic omen, decoration, balcony, rooftop, duplex, furniture and other conditions. Rank each condition, think that the most suitable unit condition is at the front, and so on, and think clearly about what you need most.
Property buyers can collect information about every first-hand property, such as objective reports and introductions in newspapers and web pages, and the evaluation of the property by people in the industry, so as to absorb various opinions and naturally and objectively look at the house.
Three: Looking at the house
1. There are two types of demonstration devices:
Some demonstration units are located in some units in the property, usually belonging to some properties that are nearing completion. If you can look at existing homes, buyers will be more confident; You might as well take a soft ruler to measure it, because the clever decoration of developers, such as the use of light-colored furniture and floor-to-ceiling mirrors, often makes the sense of space bigger. Another demonstration unit is located in a shopping mall or commercial building, which is even more distorted.
2. Review the applicability of units and buildings.
Unit, landscape, materials, decoration, practical windowsill, ancillary equipment, building facilities, club facilities, environment, etc. You should see it clearly. After receiving the building book, you should carefully read the information and terms of the sales book, especially the related contents of the building deed of mutual covenant.
IV: Description of the transaction
Precautions before trading:
If you decide to subscribe, you must think about several favorite units and be mentally prepared. Miss the favorite, wait for the next batch of units or choose another property, or attack the remaining units?
When choosing a favorite unit, you need to find a bank to evaluate and build a mortgage. At present, most developers will arrange a number of banks to evaluate buyers for free, and usually can estimate the price. At the same time, understand the sales arrangements and subscription forms set by developers, such as dark bargaining, open registration, lottery, payment methods, etc.
Before buying a house, decide whether the ownership structure you choose is joint ownership or decentralized ownership.
1. Joint right * * * has
Ownership belongs to two people, and after one of them dies, its ownership will be automatically obtained by the owner of the other party.
2. Decentralization * * * has
Ownership is inseparable and property is shared by each owner. If one of the owners dies, its ownership will automatically belong to the beneficiary of his estate, not to the other owners.
Understand the whole transaction process and the legal documents to be signed;
1. Subscribe to register.
When some units are put on sale, buyers will be required to register the deposit first, pay by cashier's check or cheque, and then draw lots to decide the purchase order, which will be deducted when signing the temporary sales contract. Of course, some properties are first come, then come, and internal purchases are even hidden.
2. Temporary sales contract
Prepare a temporary deposit (details), usually 5% of the property price.
3. Formal sales contract
Generally, after signing the temporary deposit for 3 working days, you should go to the developer's law firm to sign a formal sales contract and pay the deposit of 5% of the other party's property price. The percentage of the house price paid depends on the payment method. Of course, you must get the mortgage approval from the bank. At this time, printing fees and attorney fees should also be attached.
4. Mortgage contract
The time to pay off the remaining house price depends on the payment method you choose. For example, choose to pay immediately, pay off the house price within 30 to 60 days after signing the formal sales contract, and get the real estate license of the lawyer's house. If there is mortgage, the real estate license belongs to the bank, and the mortgage certificate is kept by the bank and the owner respectively. If you choose to pay during the construction period, you need to find a bank as collateral when you move in, and the valuation may be different from the purchase price.
Verb (short for verb) delivery
When it comes to delivery, buyers must not relax, because there are many noteworthy places in repossession. If something goes wrong, it will cause great losses. The following are some matters needing attention when inspecting the building:
1. It is best to invite professionals from the industry, such as decoration industry and property management, to accompany the building inspection.
2. The developer informs the occupancy period that when the building is recovered, it is usually managed by the staff of its sales department and management company. When you receive the key, you should count the key points.
The most important thing is to take a camera when shooting the building. If there is any dissatisfaction in the process of building inspection, you can take photos in real time to prove it so that you can claim for compensation in the future.
Usually, the developer will distribute a building inspection paper for the householder to fill in any missing places, or prepare a copy in advance for reference. Remember to return the report within the specified time, otherwise you may have to leak it yourself.
First record the meter quantity of water, electricity and gas supply in the unit. The supply of water, electricity and gas has usually been applied by the developer, and the name change procedure will be carried out after moving in.
After taking it back, it doesn't mean it's all over. There are still things to do, such as the renovation of a new home and the purchase of home insurance. In addition, the purchase of home insurance should not be taken lightly.