For most first-time home buyers, it is inevitable that they will be a little confused when faced with the complicated market. After all, houses, like people, always have more or less defects. Even if there is a perfect house, it will still be expensive. What aspects should you consider when choosing a house? The experience of those who have been there must be worth learning from.
Clear your own needs
To put it simply, you must first understand what you need, such as price, location, developer, apartment type, educational resources, supporting facilities, community environment, property, parking spaces, In terms of Feng Shui, most home buyers have the above needs, but their focus is different. For example, those with relatively large financial limitations must give priority to price, while parents with school-age children at home will pay more attention to surrounding educational resources. It is recommended that home buyers list these needs and prioritize them, and then use another one when the main conditions are met. If you add the conditions to the card one by one, the scope of house selection will inevitably be greatly reduced.
Make a comprehensive budget
It has long been a cliché to calculate the accounts carefully when buying a house, but some people only focus on the most critical down payment and think that it should be settled first. With this amount of money, everything will be fine, but later on you will find that you are suffering from the pressure of mortgage loans. In fact, regardless of whether it is a new house or a second-hand house, home buyers need to calculate more than just the down payment and monthly payment. Other expenses must be evaluated.
Detailed on-site inspection of the sand table
When the preliminary work is almost done, you can go to several real estate properties that you like for on-site inspection. When visiting the properties, you must ask detailed questions, but You still need to do some basic common sense work in the early stage.
Floor area ratio: refers to the ratio of the total above-ground construction area to the land area of ??a community. The floor area ratio of multi-story buildings is roughly 3, that of high-rise buildings is 5, that of super high-rise buildings is 7, and that of villas is around 0.3-0.45. Simply put, the lower the floor area ratio, the better the home environment, the higher the unit price, and the higher quality; the higher the floor area ratio, the lower the unit price and lower quality.
Green space area: This is a more reliable indicator than the greening rate. It refers to the land area that can be used for greening, excluding roof greening, vertical greening and land covering less than 2 square meters.
Common area: refers to the area of ??the public building space in the commercial housing that should be apportioned into the sales area in the sale of commercial housing. Generally speaking, the less this part is, the better, but too low will also affect living. Regarding comfort, for properties with different apartment types, the public share is allocated equally to each household based on a percentage.
Gift area: As the name suggests, it is the part that developers give to consumers in addition to the housing price. Common ones include bay windows, balconies, top-floor rooftops, low-rise basements, etc. However, disputes and controversies over this part It is relatively large, so buyers must ask clearly about the nature of the donated area and make sure it is written into the contract.
Parking spaces: The supply of parking spaces is directly related to the convenience of entry and exit every day. Even if you don’t drive, it is still relevant to you if there is a shortage of parking spaces in the community, because over time, cars will be parked indiscriminately and serious congestion will occur. For sure. In addition to the parking space ratio, you should also ask about the property rights of the parking spaces and the leasing and sales plans.
Check your credit history
Don’t think that everything will be fine once you have seen the house. The next step is to think about the qualifications and loan issues for buying a house. First of all, buyers in cities with purchase restrictions must confirm whether they are qualified to buy a house. Secondly, they should inquire whether they can use provident fund loans. If public loans are restricted, they should ask the banks that the developer cooperates with, including loan discounts and credit review. Only by doing these two things can you pay the deposit with peace of mind. Otherwise, it will be difficult to get the deposit back if the qualification for home purchase or loan approval is not smooth.
(The above answers were published on 2016-12-06, please refer to the actual relevant current home purchase policies)
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