What should be paid attention to when buying a house in another place
Buying a house is an indispensable part of every family's life. With the continuous increase of domestic floating population, it has become an important choice for many people to buy houses in other places. But whether you buy a house in a different place or in a local place, the price of a new house will be higher than that of a second-hand house. For buyers with poor economic conditions, they will choose a cheaper second-hand house. So, when buying a second-hand house in another place, what are the most important issues to consider? Let's learn about it with Xiaobian.
First, the existing funds
Before you buy a second-hand house, you must first make a correct estimate of the funds in your hands to see if the funds are sufficient, how much of your own funds are, and whether you need to apply for loans.
If you need a loan, you should first consider the down payment you can pay; Secondly, we should not use all our savings as loans, otherwise the security of family assets will be threatened. It is suggested that personal liabilities should not exceed 50% of personal total assets.
Second, the remaining life of the house
Some second-hand housing prices look very cheap, but it can be imagined that the price is cheap for certain reasons, such as the housing surplus life is relatively short, so the price is relatively low. Therefore, Xiaobian reminds you that when you buy a house in a different place, you must pay attention to the number of years left in the remaining property right period of the house. Otherwise, the land transfer fee due will be a large amount of housing expenditure.
Third, municipal planning
When the original owner sold the second-hand house, he may have known that the house will be demolished in recent years, or high-rise residential buildings will be built near the house, which may affect the lighting and price, so he is eager to sell it. In this regard, as a non local buyers who do not know much about the local situation, they must fully understand the details of the municipal planning before buying a house, so as to avoid the situation that they have to move immediately after they buy a second-hand house.
Fourth, housing leasing
When buying a second-hand house in another place, whether it is through an intermediary or free trade, we should be optimistic about the housing rental situation in advance. Because our country has the rule that the sale does not break the lease, that is, the house sale contract cannot be against the lease contract established earlier, and the tenant has the preemptive right to buy the house. That is to say, if the house is being rented and has not yet expired, the buyer can not ask the tenant to move out, and he has to obtain the consent of the tenant to buy the house.
Fifth, the purchase policy
For off-site buyers, it is necessary to understand the local housing policy. Because many cities have a limited purchase policy, so buyers need to know whether they meet the requirements, so as to avoid the situation that they can't buy a house because they don't have the qualification to buy a house.
In addition, buyers who meet the housing purchase qualification need to know the local credit policies if they buy a house by means of loans, mainly including whether they can use the provident fund, the loan interest rates of different banks, and the real estate loan policies of different nature.