First, the choice of housing.
1, select the ground angle.
This depends on personal preference, because the communities near the city center are generally small-sized or high-rise, but it is best to choose closed management when choosing, and the supporting facilities of the community are relatively complete, such as double gas, which will be of great help to you.
2. Location in the cell
If it is a big community, what kind of location should I choose? If you own a car, of course, it is in the center of the community, for example, because there is a clubhouse or a place to relax, and the greening is relatively concentrated and quiet, which is suitable for living. Pay attention to parking spaces here, because parking spaces in some communities are fixed, not downstairs.
3. Residential floors
(1), multilayer
You can choose 3 or 4 floors, which is better, because it is commonly known as "gold, three silver and four". Why do you say that? Because the third and fourth floors are relatively low in terms of floors, it is convenient to get up and down if there are elderly people, and it can also achieve the effect of anti-theft. Moreover, all floors should be below the eighth floor, and the third and fourth floors are in the middle of the floors, so the heat preservation effect is good, which not only prevents the privacy of the bottom floor from being bad, but also prevents the possibility of the top floor.
(2), small high-rise, high-rise
This choice should be in the middle position, because high-rise or small high-rise buildings are generally relatively small communities with only a few buildings, so noise should be considered. In addition to the benefits mentioned above (1), the middle position can also effectively prevent the noise inside the car.
Step 4 talk about feng shui
In fact, there are too many exquisite feng shui. For example, your date of birth is related to this. You can calculate your own numerology. Jin Mu has five lives, and different lives live on different floors. And the direction of the house, the direction of the door, the direction of the window.
And the direction of the kitchen faucet, the direction of the stove, the direction of the toilet, the direction of the bedroom. Too much talk. You can talk to me in private if you like.
Second, the payment.
General down payment is 30%. If you are a civil servant, a teacher, a doctor or a cadre of a large or medium-sized state-owned enterprise, the down payment can be 20%.
Repayment method:
If you choose a provident fund loan, you can pay less interest if you have the same life as a commercial loan, which is more cost-effective.
If you choose a commercial loan, you can also use the purchase invoice to withdraw the provident fund of both husband and wife. The commercial loan can be repaid in advance for many times, and the repayment method is flexible. In addition, there are some new repayment methods to choose from, such as:
Fixed loan interest rate, the current loan interest rate is always changing, and some banks have put forward fixed loan interest rates. No matter how the national interest rate changes, its interest rate will not change. It seems that it is a matter of Everbright or CITIC.
Personal repayment curve: you can make a repayment curve according to your personal income forecast, instead of following the repayment methods of most banks at present. The monthly repayment amount is determined by the individual, but it is limited to China Minsheng Bank.
If you choose the ordinary loan method, there are two repayment methods to choose from, one is the average principal method and the other is the equal principal and interest method. In general, you can choose the average capital method. The repayment pressure in the early stage of this repayment method can be greater, but the interest is relatively less.
If there is prepayment, you still have some money to pay, which is your insurance. You should ask the insurance company for an advance payment. Most people will forget this matter and let the insurance company take advantage of it.
Third,
You mentioned the problem of the contract, which is very troublesome. If you want to change the existing contract terms, developers are not allowed to do so unless you are in a democratic and legal city, because the contract is already in a fixed format, and the developers must choose something that is beneficial to them.
I'll provide you with a contract about renting a house!
House lease contract
Lessor:
Lessee:
In accordance with the Economic Contract Law of the People's Republic of China and relevant regulations, in order to clarify the rights and obligations of the lessor and the lessee, this contract is signed by both parties through consultation.
first
Location of the house, number of rooms, area and quality
Article 2 Term of lease
The lease term is * * * _ _ years, and the lessor shall deliver the leased property to the lessee for use from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
Under any of the following circumstances, the lessor may terminate the contract and repossess the house:
1. The lessee sublets, transfers or lends the house without authorization;
2. The lessee uses the leased house for illegal activities, which damages the public interest;
3. The lessee has been in arrears with the rent for a total of _ _ months.
If the lease contract expires and the lessee can't find the expired house, the lessor shall extend the lease term as appropriate. If the lessee fails to move within the time limit, the lessor has the right to sue and apply to the people's court for compulsory execution, and the lessee shall be responsible for compensating the losses suffered by the lessor. After the expiration of the contract, if the lessor continues to lease the house, the lessee has the preemptive right.
essay
The rent and the time limit for paying the rent, and the standard and time limit for paying the rent shall be implemented according to the provisions of the state (if there is no uniform provision in the state, this article shall be determined by the lessor and the lessee through consultation, but it shall not be arbitrarily increased).
Article 4 The house shall be maintained during the lease period.
It is the lessor's obligation to repair the house. The lessor shall carefully inspect and maintain the house and its equipment every _ _ months (or years) to ensure the lessee's living safety and normal use. When the lessor repairs the house, the lessee shall actively assist and shall not obstruct the construction. If the lessor is really unable to repair it, it can negotiate with the lessee to repair it together. At that time, the lessee will pay the repair fee to offset the rent or the lessor will repay it in installments.
Article 5 Change of Lessor and Lessee
1. If the lessor transfers the ownership of the house to a third party, this contract is still valid for the new owner.
2. When the lessor sells the house, it shall notify the lessee 3 months in advance. Under the same conditions, the lessee has the preemptive right.
3. When the lessee needs to exchange the house with a third party, it shall obtain the consent of the lessor in advance; The lessor shall support the reasonable requirements of the lessee.
Article 6 Liability for breach of contract
1. If the lessor fails to deliver the house that meets the requirements to the lessee as stipulated in the aforementioned contract terms, it shall be liable for compensation of _ _ _ _.
2. If the lessor fails to deliver the leased house to the lessee on time, it shall be responsible for paying the liquidated damages of RMB.
3. If the lessor fails to repair the leased house on time (or as required), it shall be responsible for paying RMB as liquidated damages; If the lessee's personnel are injured or property is destroyed as a result, it shall be responsible for compensating the losses.
4. If the lessee fails to pay the rent on time, it shall pay a penalty of RMB _ _ _ _ _ _ _ _ _.
5. If the lessee violates this contract and transfers the leased house to others for use without authorization, it shall pay a penalty of RMB; If the leased house is damaged as a result, it should also be responsible for compensation.
Article 7 Conditions for exemption
If the house is damaged due to force majeure and losses are caused to the lessee, both parties shall not be responsible for each other.
Article 8 Ways to settle disputes
In case of any dispute during the performance of this model contract, both parties shall settle it through consultation; If negotiation fails, either party may apply to the Economic Contract Arbitration Committee of the Administration for Industry and Commerce for mediation or arbitration, or bring a lawsuit to the people's court.
Article 9 Other agreed matters in the model contract
Article 10
Matters not covered in this model contract shall be governed by the relevant provisions of the Economic Contract Law of the People's Republic of China, and supplementary provisions shall be made by both parties through consultation, which shall have the same effect as this contract.
The original of this Contract is in duplicate, and the lessor and the lessee each hold 65,438+0 copies; _ _ copies of the model contract, and sent to _ _ units for the record.
Lessor (Seal) Lessee (Seal): Proof (notarization) opinion.
Address: Address:
Legal representative (signature): Legal representative (signature):
Authorized Agent (signature): Authorized Agent (signature):
Bank of deposit: bank of deposit: manager
Account number: Account number:
Telephone: Telephone: Certification (public) organization
Signing place: Signing time: year month day.
Valid until year month day.