Although the current house price has entered a stable state after a series of national adjustments, it is not a simple matter for most ordinary families to buy a new house suitable for all aspects. So at this time, most of the buyers put their eyes on the second-hand house. The second-hand house is not only more affordable than the new house, but also has very sound supporting facilities, such as vegetable market, hospital, school, etc., which will make the future living more convenient.
But the purchase of second-hand housing also needs to pay attention to some details, such as the age of the house, because the age of second-hand housing is related to how long buyers can live in the house, how much they can borrow, even whether they can borrow, whether the house has room for appreciation or depreciation, which are closely related to the age of the house.
1、 The difference of house age, service life of house and date of house property certificate
Many people can't tell the difference between the age of the house, the service life of the house and the date of the house property certificate, which is easy to be confused, so buyers should first make clear the difference between the three.
The age of the house refers to the number of years after the house is built and the date of the completion of the developer's acceptance and delivery.
The service life of the house refers to the service life of the house and land, which is calculated from the date when the developer is approved by the state to use the land. The service life of the house in general residential land is 70 years.
The date of house property certificate generally refers to the time when the owner of the house gets the property right after the house is built.
2、 Effect of room age
Housing is too old, the most direct impact is the shrinkage of loans, the loan limit of old houses is low, or some banks directly do not lend. This is mainly based on the evaluation results of housing. The reason why it is difficult to get loans is largely due to the shrinkage of land tenure. And the older the house is, the more serious the depreciation of its assets is. Whether it is the hardware environment of the house, or the comfort of living, it is gradually declining, so the corresponding maintenance costs are also more. After the increasing degree of damage, it may also bring a series of security risks.
According to the development of real estate, in fact, it can be regarded as a development stage in 3-5 years, that is to say, every 3-5 years, whether it is house type design or garden planning, there will be great changes and development. Maybe you can't see much change when you look at the house five years ago, but if you look at the house eight or ten years ago, you will find that there are obvious differences.
So in the purchase of second-hand housing, or try to pay attention not to buy more than 10 years old house. Because if such a house is used for a few more years, it will be difficult to get a loan, and the space for value growth is very small, so it is very difficult to transfer it again.
Because of the influence of age, it tends to be driven by interests. In the second-hand housing market, the seller or intermediary will falsely report age. All buyers in the choice of second-hand housing, to pay more attention. If you don't trust the "age of the house" reported by the intermediary or the seller, the buyer can go to the housing management department to inquire about the real situation of the house. This method is more accurate and conservative.