Because house prices rise again and again, buying a new house brings more and more pressure, so many people slowly feel whether they can buy a second-hand house. However, if you want to buy a second-hand house, you will have a lot of concerns. You think the new one is better than the old one. Will there be many problems with the second-hand house. So is it better to buy a second-hand house or a new house? This article lists the advantages and disadvantages of new houses and second-hand houses in detail. After you compare them, you should have the answer&# 8203;&# 8203;&# 8203;
1、 Advantages of new houses
1. The house type design of the new house is novel and in line with the life concept of modern people: for example, the new design such as porch and floating window has become the standard configuration of today's house type, but the old house type does not necessarily have these design ideas;
2. The new house has a short age, and the loan can reach the longest service life and maximum amount: there is little pressure on monthly supply;
3. The transaction process of new houses is simpler than that of second-hand houses: the process of new houses is: House viewing at the sales office → Sign the house purchase contract → Select the lending bank → Pay relevant taxes → Check in. Compared with the complexity of second-hand houses, new houses can save a lot of worry;
4. Less taxes and fees for new houses: new houses only need to pay a few and necessary expenses such as basic deed tax, public facilities maintenance fund fee and house property right registration fee;
5. The property right of new houses is clearer than that of second-hand houses, with long property right years and long service time: the property right years are calculated from the date when the developer takes the land. Generally, the remaining property right years of second-hand houses are generally less than that of new houses.
2、 Disadvantages of new houses
1. Thin traffic: generally, mature residential and business districts will be formed in places where the city center is the origin of diffusion. After the completion of a new community, especially the new buildings now built in the periphery of the city, the traffic conditions will not be particularly ideal in the initial stage;
2. High risk coefficient of future houses: most new houses are future houses, and the actual house is generally invisible when buying a house, and sometimes the delivery of a house also faces the risk of safeguarding rights from developers. This requires buyers to choose a more reliable project when choosing a new house;
3. Supporting facilities need to be improved: most of the supporting facilities around the new house are to be built or under construction. Basically, various living supporting facilities will be gradually improved after the delivery of the new house and the gradual occupancy of the owner. It still has a great impact on the convenience of life.
3、 Advantages of second-hand housing
1. Buy and live: second-hand houses are existing houses, that is, buy and live, which can realize their dream of settling down as soon as possible; After several years of use, the harmful substances are basically volatilized, basically clean and healthy;
2. Housing problems are clear at a glance: since it is an existing house, many problems will be exposed over time, including water seepage and leakage, whether there are cracks on the roof, ground and wall of the house, as well as municipal supporting facilities, house location, house type, daylighting and other problems can be clear at a glance;
3. Complete supporting facilities: the regional supporting facilities around the second-hand house are gradually improved after a certain number of years of planning and development, which brings many conveniences to daily life;
4. Convenient transportation: the second-hand housing was built relatively early, which better occupied the geographical location and transportation location. Compared with the new development site in the suburbs, the second-hand housing did occupy a great advantage in transportation;
5. Price diversification: second-hand houses have different prices according to the nature, location and age of the house. Price diversification can also realize the real estate needs of buyers with different economic capabilities.
4、 Disadvantages of second-hand housing
1. The community is old and the additional cost is high: the second-hand house itself will be depreciated and damaged, and the additional maintenance cost will increase. If the property management level of the community is not good enough and the consumption of community public facilities is also very serious, there will be a psychological gap in enjoying public facilities at this time;
2. Housing obsolete Loans: the sale of second-hand housing needs to be evaluated by the bank. If the existing housing age is too long, the second-hand housing buyer's loan to the bank will be affected, including the loan term and loan amount;
3. Complex purchase process: second-hand house purchase and sale process: House viewing → Property right verification → Sign the sales contract → Pay down payment → The buyer applies for a loan → Pay taxes and intermediary fees → Transfer → Handover of water, electricity, gas and property fees → Get the new house real estate certificate → After the loan comes down, the house will be delivered. Which link goes wrong, it is easy to cause problems such as the issuance of real estate ownership certificate or difficulty in occupancy in the later stage. In the face of this situation, you can choose a professional and authoritative intermediary company to buy a house;
4. Various expenses: in addition to preparing the down payment funds for buying second-hand houses, we also need to prepare various taxes and fees, and pay value-added tax, deed tax, personal income tax, stamp tax, land value-added tax, registration fee and other expenses.