What's the difference between second-hand house and new house
4hw.org: it's really urgent to buy a house for the first time, but it's a real tangle to buy a second-hand house or a new house. There are many differences between the two, but also have their own advantages. Here is a summary of the characteristics and advantages of second-hand houses and new houses.
Before you buy a house, you may want to know the difference between them, and then make a judgment that meets your own needs and preferences.
Second hand houses are selected because:
1. Low price, negotiable
The transaction price of the second-hand house is determined by the negotiation of the buyer and the seller, especially the house that the seller is eager to sell because of the financial difficulties, is often lower than the market price.
And the price of the new market is generally the market price at that time, land resources are becoming more and more tense, the cost of developers is getting higher and higher, and the price of new houses is also continuing to rise.
2. Large selection space
Buy second-hand housing can choose the area, community, location, house type, floor you want, and what you see is what you get, what you see is the real existence.
But the land approval is not in the central area generally, buying new houses, and the new plot is very fixed, with a small range of options.
3. Complete supporting facilities
The second-hand houses are generally closer to the hot business district than the new houses, and the maturity of the community is higher. Generally, there are schools, vegetable markets, hospitals, supermarkets, convenient life and transportation.
If you want to buy a house in a rare area, you may have to buy a second-hand house.
4. Low risk
Buy a house most value house quality, the house quality of second-hand house, property right is visible.
Most of the new houses are in the future, which may lead to serious inconsistency between the contract and the delivery of houses. This kind of risk does not exist for the second-hand houses.
After several years of use, the potential problems of the house have been exposed. As long as you are careful when looking at the house, you can easily see them.
The reason for choosing a new house is:
1. Easy loan
No matter the new house adopts provident fund loan or commercial loan, it can directly lend to the bank cooperating with the developer, and the procedures and approval are relatively simple.
In contrast, second-hand housing loans are more difficult. In order to avoid the risk, most banks will take the housing age as the main condition to affect the loan life, and it is difficult to purchase commercial housing with the housing age more than 30 years.
Even if the loan can be handled, the bank will reduce the loan percentage or reduce the loan life, thus increasing the down payment or repayment pressure.
2. Low tax
The taxes that new houses need to pay mainly include deed tax and house maintenance fund, while the taxes involved in the transaction of second-hand houses include deed tax, personal income tax, value-added tax, land transfer fee, etc. there are many types and complicated calculation methods.
In addition, the tax collection proportion of the second-hand house has a great relationship with the situation of the house itself. Whether it is' full of five unique ', whether it is full of two, whether it is an ordinary house or a non ordinary house will have an impact on the total amount of tax paid by the second-hand house.
3. Simple process
The process of buying a new house is "purchase qualification review - house inspection - subscription signing - payment - Loan - house inspection - occupancy". Generally, it's enough to take materials to the sales office, and other developers will help to deal with it.
Second hand houses are much more troublesome, including more than ten steps, such as house inspection, deposit payment, agreement signing, loan approval, loan contract signing, transfer, real estate certificate obtaining, house handover, etc., in which house verification, face-to-face signing, transfer and other links need to be present in person.
4. New house
The house type of the new house is more in line with the living concept of modern people, with novel appearance. At the same time, the supporting facilities are brand-new, without wear and tear, with complete functions.
Factors to consider in real estate:
1, lots
The classical theory of real estate is' location, location, location '. No matter in which city, the most important factor affecting house price is location.
However, due to the characteristics of land, new houses are always scarce, while the market of second-hand houses is relatively large.
2, matching
Whether the house has public facilities such as schools and hospitals is also an important factor affecting the willingness and price of the buyer.
3 price
In general, the unit price of new houses in the same area is higher than that of second-hand houses, but the substitution of real estate is different from that of general commodities.
In addition to the unit price, the factors affecting the total price include the area of the house. Therefore, the buyer needs to choose the house with appropriate unit price and total price according to their own strength and payment ability.
4. Property
The quality and price of residential property service also need to be considered by the buyer.