After all, buying a house is a major event. Now it takes hundreds of thousands to buy a house at the cheapest price. What preparations should be made before buying a house? What problems do you have to consider before selling a new house? This is what novices need to know when buying a house.
Clarify your own needs
In short, first of all, you should understand what you need, including price, location, developer, house type, resources, supporting facilities, community environment, property, parking space and Feng Shui. The needs of most buyers are the above, but the focus of attention is different. For example, those with relatively large financial limitations must give priority to the price, while parents with school-age children at home will pay more attention to the surrounding resources. It is suggested that home buyers may wish to list these needs, divide them into primary and secondary, and then use cards one by one under other conditions to meet the main conditions, so the scope of house selection will be greatly reduced.
Make a comprehensive budget
It is a commonplace to settle accounts for buying a house, but some people will only focus on the key down payment and think that everything will be fine if the money is solved first. Later, they will find that they are forced by the pressure of housing loans. In fact, whether new houses or second-hand houses, buyers need to calculate not only the down payment and monthly payment, but also the other 7788 expenses must be evaluated.
Detailed field survey sand table
When the preliminary work is almost done, you can start to go to several favorite buildings for on-site inspection. You must ask everything in detail when stepping on the site, but you still have to do some basic common sense work in the preliminary work.
Plot ratio refers to the ratio of the total aboveground construction area to the land area of a community. The multi-storey plot ratio is about 3, the high-rise is 5, the super high-rise is 7, and the villa is about 0.3-0.45. In short, the lower the plot ratio, the better the home environment, the higher the unit price and the higher the quality; The higher the plot ratio, the lower the unit price and quality.
Green space area is a reliable indicator of greening rate, which refers to the land area that can be used for greening, excluding roof greening, vertical greening and land with covered soil less than 2 square meters.
Shared area refers to the area of public building space in commercial housing that should be shared into the sales area in the sales of commercial housing. Generally speaking, the less this part is, the better. However, too low will also affect the living comfort. For buildings with different house types, the shared area is shared equally to each household according to the percentage.
The free area is the part that developers give to consumers outside the house price. The common ones are floating windows, balconies, rooftops on the top floor and basements on the low floor. However, there are large disputes and disputes in this part. Buyers must ask about the nature of the free area and ensure that it is written into the contract.
The supply of parking spaces is directly related to the convenience of getting in and out every day. Even if you don't drive, it is also related to you if there is a shortage of parking spaces in the community, because it is certain that the cars in the community are parked disorderly and seriously congested over a long period of time. In addition to the parking space ratio, we should also ask about the property right nature of the parking space and the rental and sale scheme.
Check credit records
When you see the house, don't think it's all right. The next step is to consider the purchase qualification and loan. Buyers in cities with purchase restrictions must confirm whether they are qualified to buy a house and consult whether they can use provident fund loans. If public loans are limited, they should ask the banks cooperated by developers, including loan discounts and credit review. After doing these two jobs, we can feel at ease to pay the deposit. Otherwise, once the house purchase qualification or loan approval is not smooth, it will be difficult to get the deposit back.