Tips you must know about buying a house

        The traditional concept of "land and wealth" and the frequent record low interest rates of banks have led to the prosperity of the housing market. Many people want to take advantage of the opportunity to invest in real estate to fight against inflation. After careful calculation, some people find that it's better to buy than rent, hoping to join the shell Snail family as soon as possible. However, buying a house is a big deal after all. Once you choose the wrong target, you will lose a lot. This issue of "finance column" specially analyzes the precautions of house purchase, so that you can buy more at ease!

        1、 First life function

        Life function is the first consideration of buying a house, and it is also the key to affect the house price, including: whether there are supermarkets, convenience stores, markets, parks, hospitals and restaurants nearby As long as the living function is good and the transportation is convenient, the house price is not easy to plummet, and it is easy to resell in the future.

        2、 Avoid facilities that you dislike

        Generally speaking, there are two types of disgusting facilities. One is that they threaten the safety of life and property, including power towers, gas stations and airports. The other is that they disturb the peace of the home, such as temples, shrines, viaducts, funeral parlors, garbage dumps and special industries. Generally, disgusting facilities not only affect the house price by 5% - 25%, but also the amount of bank loans. Before buying a house, we must pay attention to them think carefully.

        3、 According to personal needs, choose middle and old houses, new houses and pre-sale houses

        There are different things to pay attention to when buying a pre-sale house, a new house or a middle-aged house. In principle, 20% to 30% down payment can be paid within 1-2 years. The pressure is relatively small. Moreover, the builders can adjust the layout of the house by "customization" to meet the needs during the construction stage, so as to save the decoration cost in the future.

        The new buildings, no matter the escape ladder, seismic grade or building materials, are more in line with the current building regulations and relatively safe. At the same time, it is not easy to have problems such as old pipelines or water leakage. It can even inspect the indoor layout, building materials and landscape on the spot. However, the ratio of public housing is higher than that of old and middle-aged housing in both new and pre-sale housing. At present, the ratio of public housing in newly built housing is mostly between 30% and 35%. If it exceeds 35%, it is necessary to pay attention to whether the actual indoor living space is enough; if it exceeds 40%, it is necessary to pay attention to the market acceptance of resale in the future. Some banks will repair the loan amount or even refuse to undertake it.

        As for the ratio of public facilities in most of the old and middle-sized houses is less than 30%, the number of usable flats in the houses is relatively large, and the price is cheaper than that of the surrounding new houses. However, problems of water leakage and wall cancer may occur. Therefore, it is necessary to carefully check the houses before inspection and delivery. If problems are found, the seller can be asked to repair them first. When both parties sign a contract, they should also carefully agree on the responsibility for water leakage and pay attention to the contract If the house is more than 15 years old, it is recommended to replace the pipeline. In addition to water leakage, it is also a problem that everyone should avoid. It is suggested that a reputable intermediary should be used to assist in investigating the condition of the sand house and the house. Usually, a large intermediary will specify in the contract the test results of the sand house and the verification and guarantee of the house, which is more secure.

        In fact, when buying a house, we should avoid being too old. Unless waiting for urban renewal, old houses with more than 40 years should be avoided as far as possible, because the loan life of old houses is usually short and the monthly payment is relatively high.

        4、 See clearly the land use zoning and the use of building transcripts

        Generally speaking, if the land use zoning is "type B Industrial Zone", "type II Industrial Zone", "hi tech Industrial Zone", "mixed industrial and commercial zone" and "office service zone", it belongs to "industrial residence". The building transcript can be registered as "general office", "retail industry", "office" and "technical service industry". Only "residential zone" or "commercial zone" can be registered It can be registered as "residential".

        The loan conditions of industrial housing are poor, except that the loan ratio is 10-20% lower than that of ordinary housing, and the loan interest rate is also higher than that of ordinary housing. Some banks are even reluctant to undertake the loan. In addition, due to the complex surrounding environment of industrial housing, the future turnover is poor, and there is usually no value-added space. More importantly, the tax rate of industrial housing is relatively high. The tax rate of housing tax is 2.5 times of that of self use housing, and the tax rate of land price tax is 5 times of that of self use housing. If industrial housing is used as general housing, it will be illegal.

        Buying a house is a major event in life. We must carefully consider the function of life, the convenience of transportation, measure our own needs and evaluate the down payment, the amount of loan, and the proportion of monthly payment after the loan to the income of the whole family And so on, pay attention to each link, in order to enjoy the life after buying a house.