The property right of ordinary houses is generally 70 years. For example, the developer took the land on 1999, and the expiration date of the land use period was 2069; The house was put into use in 2000. Then by 20 17, the remaining property rights of the house will be 52 years (i.e. 2069-20 17). The age of the house is 17 (i.e. 20 17-2000). Generally speaking, the older the house, the shorter the residual property rights of the house.
2. Loan life: When buying a second-hand house and applying for a commercial loan, the loan life will be affected by the age of the individual and the age of the house. Under the condition that the borrower's age is fixed, the older the house, the shorter the loan period. The loan term is short, the monthly payment will be relatively high, and the monthly payment pressure will be relatively high.
3. Remaining life of a house: Like people, a house has a life span. The structure and quality of a house determine its natural life. Houses will be subject to certain wear and tear during use. The older the house, the greater the wear and tear of the house and the shorter the remaining life of the house. After living for a certain number of years, it may become dangerous and uninhabitable.
4. Living comfort: The newly-built houses are novel and humanized in apartment design and garden planning, and the property management is relatively perfect. Moreover, some older houses have poor living environment, insufficient parking spaces, relatively imperfect property management and greatly reduced living comfort.
Extended data
The whole process of second-hand housing transaction is roughly divided into the following stages:
1, communication between the two parties
The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including all house sales contracts (or house sales contracts). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.
3. Property right audit
The Buyer and the Seller * * * apply to the issuing department for a new property right certificate with the Notice of Property Right Certificate.
For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.
6. Delivery of property
After the buyer obtains the ownership certificate of the house and pays off all the house price, and the seller delivers the house and pays off all the property fees, the sales contract of the second-hand house of both parties is fully fulfilled.
Buying a house is a big deal. When buying a second-hand house, we must pay attention to the transaction process and matters needing attention in order to choose a satisfactory house.
Baidu encyclopedia-taxes and fees for second-hand housing transactions
Baidu encyclopedia-second-hand house