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Real estate knowledge: four differences between new houses and second-hand houses

When buying a house, it seems that choosing a new house or a second-hand house has always been a topic of constant discussion. When making a choice, we should first understand their respective advantages and disadvantages, and then judge according to their own needs. Xiaobian will introduce the respective characteristics of the new house and the second-hand house to readers from the aspects of the house itself, purchase funds, taxes, transaction processes, etc. for reference.

1. Characteristics of the house itself

a new house:

Advantages: from the perspective of residential comfort such as the division of functional areas and appearance of house type, the greening, parking spaces and property services of many new communities are more perfect, and the overall planning and design is more modern and humanized.

Disadvantages: when buying a new house, you look at the blank house and model house. You can't intuitively judge the use status of the actual residence. If it is a blank house, you have to spend money and energy on decoration.

Second hand house:

Advantages: most of the second-hand houses are existing houses, so you can directly see the decoration and living conditions of the houses. Some houses basically don't need how to decorate because the homeowners keep them better. Just carry your bags and check in directly.

Disadvantages: compared with new houses, second-hand houses were built earlier, especially some houses in the 1980s and 1990s. The supporting facilities of the community are old, the parking spaces are insufficient, the property services are not in place, and the living comfort is not good.

2. House purchase funds

a new house:

Advantages: almost every new real estate has cooperative banks, and some banks will launch loan concessions for projects.

Disadvantages: some loan concessions are only available in designated projects, but the project may not have the house that buyers like.

Second hand house:

Advantages: the transaction price of the second-hand house can be negotiated by the buyer and the seller. If the buyer is anxious to sell the house, the buyer has the opportunity to buy a relatively cheap house.

Disadvantages: second hand housing loans need to be approved according to the evaluation price, and the evaluation price is usually 80% - 90% of the actual transaction price. If the evaluation price is low, the applied loan amount will become lower, the down payment ratio will increase accordingly, and the pressure on house purchase in the early stage will become greater.

3. House purchase tax

New houses: new houses need to pay deed tax, stamp tax, house maintenance fund, etc., and the types of taxes are less than those of second-hand houses.

Second hand housing: it needs to pay deed tax, personal income tax, value-added tax and land transfer fee for public housing, and the tax payment proportion of second-hand housing is affected by the number of years of purchase, such as whether it is "full five only" and "full two years".

4. Transaction process

New house: the purchase process of a new house is generally house purchase qualification review - house viewing and selection - subscription and signing - house payment - Loan - house Collection - occupancy. In most cases, the steps of loan and tax payment are handled by the developer.

Second hand house: the purchase process of second-hand house is generally house purchase qualification review - house viewing and selection - signing - house payment - Loan - transfer - house delivery and loan - occupancy. In the intermediate review stage, the house age and mortgage shall be checked. The overall process is much more complex than that of new house.

New houses and second-hand houses have their own advantages and disadvantages. Buyers should first determine their purchase purpose and purchase method, whether it is a full payment or a loan, how much down payment is required for the loan, whether there is a decoration budget, and also consider the situation of family members. For example, if there are old people and children at home, they should pay more attention to the overall living comfort and convenience of the house.