Guide to buying a house
Buying a house in spring can better show whether the green environment of the community is good or not and whether the property is good or not. It's rainy in the south in spring, just look at the water seepage in the house; It is windy in spring in the north, so you can also take this opportunity to see if the doors and windows of the house are closed.
What should I pay attention to when buying a house in order to choose a satisfactory house for myself?
Misunderstanding of mentality and preparation before buying a house
First, blindly pursue low prices.
Everyone knows that high housing prices and low wages are a reality that we have to face. But this does not mean that property buyers must put house prices in the first place, as long as they pursue cheaper prices, it is better. Buying a house is actually more cost-effective, which is a long comparison process.
Some houses are very cheap, but they may be just the old saying that "cheap goods are not good". For example, you spent 300,000 yuan to buy a stupid apartment or a two-bedroom apartment on the first floor facing north, and you spent 400,000 yuan to buy an eight-story house with two bedrooms facing south, a fine apartment.
Perhaps because of the price, you saved 6,543,800 yuan at this time, but in the next five years to 654.38+ 00 years or even longer, you will be very comfortable because of the apartment type instead of 6,543,800 yuan.
Secondly, they neglected their economic endurance.
At present, the house price is very high, which is beyond the affordability of most people. Basically, no one can pay the full amount at one time, and many people have to choose loans to buy a house. When buying a house with a loan, it involves the relationship between the loan pressure and the family's economic affordability.
Reasonable loan amount and repayment period are important factors to ensure the future quality of life. Generally speaking, one third of a family's monthly income is the warning line for mortgage repayment, and the loan period is 15-20 years.
Third, buying a house blindly without clear demand.
For a property buyer, the most important thing is to understand their own housing needs. Because only by determining the demand for housing can we choose a house that is relatively suitable for us. Because it is difficult to buy a perfect house, you need to grasp your first demand.
For example, improved demand may have higher demand for the area and location of the house; If you just need people, you may be more concerned about the price, maybe the price is right; If you are going to school for your children, then a good school district is your first choice.
Fourth, pay too much attention to the appreciation of the house.
When buying a house, many property buyers are often misled by the future appreciation potential of the house, thus buying some houses far beyond the budget. But in fact, for many self-occupied buyers who just need to buy a house, the house is bought and lived, and the practicality of the house should be considered. After all, no matter how great the appreciation potential is, the house can't be sold. The house was sold. Where are you going to live?
Buying a house contains a lot of knowledge. To tell the truth, a smart buyer will definitely become a rational person.
Suggestions for buying a house.
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First look at which property management company it is.
The quality of property management is very important for buyers.
First, it is related to the comfort, experience and safety of living after check-in;
Second, a good property can also make the house appreciate a lot.
So, don't forget to ask about the property management when you look at the house. You should actively ask the relevant personnel about the property management company responsible for community service. It's best to check their certificates about their qualifications and strength, or go to other communities where they are currently serving to check their service behavior.
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Second, you don't have to buy a new house, you can choose a second-hand house.
The design of the new apartment is reasonable and novel, which caters to the preferences of some young people. However, many new houses are auction houses, and there are unstable factors such as unfinished houses, delayed delivery of houses, and the rush of bean curd residue projects. And in most cities, the price of new houses is usually much more expensive than that of second-hand houses.
The advantage of second-hand housing is that you can buy it and live immediately, and the living experience is good or bad. Just ask the school district. Second-hand houses refer to newer second-hand houses or vacant houses, generally referring to houses with a house age of less than 5 years after completion. Compared with ordinary second-hand houses, the planning and design, room type, property quality and living environment of second-hand houses are better. Property buyers should choose their own houses according to their own needs.
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Third, first determine the location and then choose the apartment.
The location of the house is very important. When buying a house, you should give priority to the area you want to buy, and then decide on the type of apartment. Then, focus on this area, according to other needs, choose the house within your acceptable range.
Location is related to the convenience of travel and the appreciation potential in the future. Buying a house for self-occupation gives priority to buying a house close to your workplace; After determining the area, we will compare the properties in the region and decide the property and apartment type to buy according to the economic ability and the needs of all parties.
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Fourth, determine the surrounding 5 km living circle.
When buying a house, you should also calculate the transportation cost, time cost and living cost, and don't buy it just because the property in the outer suburbs is cheap. It is not cost-effective in the long run if you spend too much time and transportation expenses on commuting every day, and even have to go far away to buy rice, vegetables and other basic daily necessities.
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Fifth, are the supporting facilities in the community complete?
The basic living facilities of the community are essential. A well-equipped community can meet the basic needs of daily life and entertainment without leaving home.
Clothing: clothing stores, tailor shops, laundry rooms, dry cleaners, etc.
Food: supermarkets, vegetable markets, convenience stores, bakeries, restaurants, snack bars, midnight snacks, etc.
Live: Look not only at your own house, but also at the surrounding buildings. It also depends on whether there are chemical plants, power stations, garbage stations, gas stations, cars, waste stations, motor vehicle maintenance points, etc. And look at the surrounding greening.
Ok: It depends not only on whether there are subways, light rails, roads, modes of transportation, stations, etc. Near the house, it depends on whether the get-off lane next to the viaduct is near your new house, and whether going out is a one-way street.
Others: it depends on whether there are parks, banks and hospitals nearby, and families with elderly people are closer to the hospital; Children should care about nurseries and kindergartens.
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Sixth, your neighbors are important.
Unlike rural houses, houses in the city are exclusive and single-family. In cities, due to land and population problems, they are often high-rise buildings, and the distance between neighbors is usually only separated by a wall or a door.
And living in a high-rise building, the decoration of the left and right sides and the upper and lower households will have an impact on you. If the quality of neighbors is high, everyone can communicate and solve it well, but if they encounter poor quality, violence is not good. When buying a house, ask more about the quality, employment and education of the people who buy the community.
In China, buying a house is not a trivial matter. Most families have to do their best to buy a house, and even bear heavy loan pressure; Even wealthy families have to consider many factors when buying a house. After all, no one's money fell from the sky, and it can't be wasted. Money has to be spent on the cutting edge, choose the most cost-effective house.
(The above answers were published on 20 17-02-20. Please refer to the actual situation for the current purchase policy. )
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