Sihai entertainment news: for Chinese people, buying a house is the top priority in life. Do you know why Chinese people think buying a house is an important thing? The following is a small compilation of the reasons for Chinese people to buy houses, hoping to be useful to you. The house has a direct impact on happiness. Chinese people have thousands of years of historical background, and the influence of traditional thinking is deeply rooted. Since ancient times, there has been the ancestral motto of buying a house and land. Now we are influenced by this idea. If we want to have a home, we must have a suite.
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Why Chinese people buy houses
Happiness
The house has a direct impact on happiness. Chinese people have thousands of years of historical background, and the influence of traditional thinking is deeply rooted. Since ancient times, there has been the ancestral motto of buying a house and land. Now we are influenced by this idea. If we want to have a home, we must have a suite. Although the house is expensive, even if we have to use decades of hard work to support, it is still an indispensable thing for physical and mental habitat.
Value preservation
The house has the function of maintaining and appreciating the value of investment. That's why many investors spend a lot of money on houses. The investment has a return, much higher than the bank interest rate. CCTV financial channel once released a group of field survey data, saying that in the past 15 years, China's housing prices have increased by 30 times. Since 2004, house prices have been running out of control, from 3000 yuan, 4000 yuan to 5000 yuan, 6000 yuan, and then to breaking through the 10000 yuan mark. This shows that although the house is expensive, its function of maintaining and appreciating value can not be ignored.
status
The house is a symbol of social status. Some people say that it is the mother-in-law that drives the growth of China's property market. There is a certain truth. House is now a measure of social status. Whether there is a house or not is a good house has become a direct measure of one's economic strength and social status.
Notes on buying a house
1、 Purchase of commercial housing developers need to pay attention to the problem.
The house that the developer sells is the house in advance, that is to say, the person who buys a house pays money first, and the house is not built well when paying money. The time of building a house may be one year or two years after paying money. If the real estate market is relatively hot, it is easier for developers to get loans and sell their houses better, and the selling price is relatively high. The developers have abundant funds, and the houses are generally delivered on schedule or even in advance. If the real estate market is relatively cold, especially when the state regulates and controls the real estate market, banks are often reluctant to provide loans to developers due to psychological fear, and developers are under greater financial pressure. As buyers take a wait-and-see attitude towards the price of the real estate market and hope that the price of real estate can drop, they are often unwilling to buy a house, and the pressure on the capital chain of developers is relatively large, Often lead to developers overdue housing, short overdue 1 year, long overdue 2 years or even 3 years. Although according to the law, the buyer can investigate the developer's liability for breach of contract in accordance with the contract, but it is cost-effective to protect the right through litigation, which is often laborious and laborious. In addition, some developers have concluded in the contract that the overdue delivery of the house is exempted by the government, which often becomes a reason for developers to evade legal responsibility Therefore, in the case of insufficient evidence, they often face losing lawsuits. Considering the proportion of their litigation costs and benefits and litigation risks, many house buyers often choose to give up their rights protection, so that their losses caused by overdue delivery can not be retrieved and suffer a dumb loss.
Lawyer's advice: when the real estate is booming, the buyer chooses to buy the commercial housing of the developer, which is often less risky. When the real estate is in a downturn, the buyer chooses the developer to buy the house with greater risk. It is better to choose a company with stronger strength. The possibility of overdue delivery of the house is relatively small because of its strong capital strength. If it is really impossible to choose, you can choose to buy second-hand housing, at least there is no problem of overdue delivery of second-hand housing.
2、 Buy a second-hand house.
1. First of all, you need to see whether the house you want to buy is the house of the seller. Ask the seller to take the buyer to the Housing Management Bureau to inquire about the registration of the house, because the house belongs to the product that determines the ownership of the house. Go to the housing authority to inquire, you can know whether the house is the seller. In real life, the husband sells the wife's house, the wife sells the husband's house, the children sell the old man's house, and the old man sells the child's house. It is not protected by law if the house sale contract is not signed with the house owner, unless the real owner agrees to sell it. Often due to the change of house price and other factors, the real house owner is very likely not to agree to sell the house, which makes the time cost and money cost of the house buyer to see the house in the early stage disappear, and bear another big loss caused by the rise of house price. Although the fake seller can be sued to compensate for the loss, it is more troublesome to file a lawsuit, and the cost of litigation and its own benefits There are differences between the amount, many people choose to admit, resulting in their own cheated and difficult to protect their rights, unable to recover their losses.
2. See if the house has been seized by the court. The house sealed up by the court can not be transferred. Even if the house is delivered, it can not be transferred. At this time, if the seller returns the money to the buyer, the buyer will lose nothing. If the buyer can't find the buyer, the problem is that the buyer can't find the right to run away.
Pay attention to buying a house
1 [location] Nowadays, transportation is becoming more and more convenient, and the diversity of travel choices is also an essential factor in choosing a house. Multi regional public transportation and rapid transportation provide great convenience for our travel, which not only is convenient and fast, but also provides a good platform for future property improvement. 'living' is the basic condition in our life, and the actual needs of family members should be taken into account in the choice of location.
2. There is one aspect in the selection skills of house type: 1) scientific and reasonable design, washing, cutting and frying, dry and wet partition, lighting time, etc. are all designed through scientific research. 2) Make full use of it, the main bedroom is in the northwest and southwest; the kitchen and toilet are in the southeast and East. 3) The shape of the house is square and square, and the best one is Yuanbao. 4) Avoid dark bedroom type, try to North and South transparent, good lighting.
3 [shared area] when we purchase a house, the shared area must not be ignored. We should pay attention to whether it is reasonable. Generally, the shared area of multi-storey residential buildings is relatively small. Due to the influence of elevators and other aspects, the shared area of high-rise residential buildings is more, generally between 18% and 26%.
Evergrande Huafu 140-220 M2 villa level house zero public stall, super large courtyard gift, top duplex.
4 [floor selection]
What is plot ratio? Plot ratio is the ratio of total building area to land area of a community. For our residents, the floor area ratio is directly related to the comfort of the occupants.
6 [construction quality] 1) whether the wall quality is qualified.
2) Product brand selection 3) whether the security facilities are perfect.
4) Whether the construction quality is reliable.
The process of buying a house
1、 Choose project and house type
Choosing a project can be said to be the first step and the most important step in purchasing a house, which is the core of the decision-making of this purchase. Of course, to select a suitable project, we must refer to many aspects. The most basic is commonly known as the 'purchase four look'. These four look is to see the location, the price, the design and the reputation of developers.
No matter how wonderful the outside world is, whether the house is comfortable or not, the house type is the key. If the project and house type are in accordance with your requirements in all aspects, then you can continue the steps we will provide below.
2、 Book signing
If you decide to buy the house, you will go through a series of specific and trivial affairs from this step forward. Please keep your patience.
When signing the purchase book, the general developer will ask to pay a deposit.
matters needing attention:
1. See if there is a presale license
When signing the purchase certificate, you must remember to check the developer's five certificates: land use right certificate, construction project planning license, construction land planning license, construction license, and pre-sale license. In particular, the "pre-sale license" is very important. Whether the developer obtains this certificate is the certificate of whether the real estate can be sold legally. Generally speaking, if you have this certificate, the front of the several documents are probably no problem!
2. Don't trust 'internal subscription'
Although the law clearly stipulates that developers are not allowed to pre-sale the property before obtaining the pre-sale permission. But in fact, in order to recover the funds as soon as possible and reduce the risk, developers often begin to sell the real estate before obtaining the certificate. At this time, the subscription price is often relatively low. As it is generally only 'insiders' who can get such information, it is called' internal subscription 'in the industry.
Internal subscription is regarded as one of the important ways to get rich by many speculators. Because generally speaking, a real estate in different periods, its subscription price is not the same. A house in the "pre-sale permit" down before the price is a price, after the certificate down, the property price began to rise, after that, a price of a cap, an opening price, and even a price at the end. When to enter the market is crucial. Basically, in order to reduce the risk, the earlier the developer subscribes, the more favorable the price will be. This is also the fundamental reason why many people tend to "internal subscription".
But for home buyers, the risk of 'cheap' is great. Because of the internal subscription, the developer has not completed all the legal procedures before the pre-sale, the developer may not get the certificate due to the housing quality problems or capital problems, and the house can not be listed legally, and the buyer will lose a lot!
Moreover, the internal subscription is invalid in law. Therefore, it will make the rights and interests of house buyers in a very unstable state. Therefore, for consumers, or to find a complete set of five more secure property.
3、 Sign a formal contract
In general, after signing the purchase letter, the developer will inform the client to sign a formal contract within one week, and pay according to the contract. If it is agreed to buy a house by way of mortgage, 20% - 30% of the house price should be paid at this time.
4、 Contract registration and filing
After signing the formal contract, we should be ready to go through the contract registration and filing procedures in the real estate management department. It is necessary to pay for contract registration, but don't be nervous. Now there is a kind of trade rule in the real estate industry, that is, most of the expenses are paid by the developers. However, there are also many cases in which the buyers themselves bear or agree with the developers. If you are responsible for the payment, the standard of registration fee is: 3 yuan / square meter for residence, 7 yuan / square meter for garage, 200 yuan / person for no area, and 12 yuan / square meter for shopping mall. At the same time, the buyer also has to pay stamp duty according to the amount of purchase.
5、 Notarization
The notarization fee shall be paid at 3 & permil; of the purchase price.
For example: if you buy a house for 500000 yuan, the notarization fee