For ordinary people, buying a house has always been a rather complicated thing. Seeing that 2018 is over, will the house price be reduced in 2019 while taking advantage of the new year's atmosphere? Is this the right time to buy a house? Is it the right time to buy a house at the beginning of 2019? Let's get to know.
1、 Is this the right time to buy a house?
Most people's idea years ago is to wait and see if the government will regulate and control them after, hoping for better and cheaper houses. Therefore, a large number of demand suppressed to, resulting in fierce competition for housing. However, the government's regulation is unknown. On the contrary, house prices will increase. The bank began to lend in January every year, with a relatively large amount of money. It was relatively easy to lend years ago.
Although banks have cancelled the first set of preferential policies in succession, they still have the opportunity to obtain preferential policies for bank loans when buying houses years ago. Generally, by the end of February, all major banks will successively suspend preferential policies, most of which will be implemented according to the benchmark interest rate. Generally, at the end of the year, some people are busy with their work, so they will push the house watching and buying to the end of the year. In this way, the demand competition will be reduced invisibly, and good opportunities will be created for those who start to buy houses before the festival. There are more houses available, which can be compared and screened better, and naturally satisfactory houses can be selected. In a word, 'before the festival guests choose rooms, after the festival rooms choose guests'.
Never wait and see when buying a house. House prices never go up or down. The more you wait, the more you wait, the less discounts you have, and the less good houses you have. For ordinary people, buying a house is a lifetime event, we must be careful. But a good house is waiting for no one. In a moment of hesitation, the house you belong to is booked by someone else.
2、 Can't the mortgage office refund the down payment?
At present, the whole trend is that the bank is tightened and the lending is slow; you have paid the down payment and signed the loan contract. If the loan amount is insufficient, you usually need to make up for it in cash; generally, it is not because of your own credit or material reasons, and there are few situations that can't be approved, so you need to be fully prepared in advance.
If you are really worried, you can only negotiate with your family. If the loan can't be approved, you want to terminate the contract, not breach the contract, and not bear any responsibility and compensation for each other. If you don't want to agree on some compensation, it depends on how you negotiate. Before signing the sales contract, negotiate with my family. If the bank has no money to lend or the loan is slow, it is not a breach of contract. If there is a problem with your credit, you have to bear the liability for breach of contract.
Now the bank's funds are tightened. Compared with commercial loans, they are relatively slow, and provident fund loans are quite fast. Try to make a one-time payment. If you can't make a loan for personal reasons, you should compensate the owner for the liquidated damages, or find an intermediary company. Because you may buy a house through an intermediary company, you don't know your information in the early stage. If it's for national policy reasons, you can negotiate with the owner for compensation, and when signing the purchase and sale contract, try to indicate that the contract will be solved by yourself if you can't make a loan for policy or personal reasons Except. As long as they meet the loan conditions in Shanghai, they can make loans.
3、 Is it suitable to decorate a new house in winter?
The indoor humidity and temperature in winter ensure the stability of a large number of boards used in decoration, such as core boards, various kinds of plywood and gypsum products, such as gypsum boards, gypsum lines and other materials after construction (when handling materials similar to gypsum, the setting time shall be strictly controlled to make them reach the standard compressive tensile strength and fineness).
However, it is also necessary to clean up the site in time to minimize floating dust and open windows for air exchange, so as to maintain the relative circulation of air and exhaust the harmful gases volatilized by materials as much as possible. In addition, special attention should be paid to fire prevention to ensure construction safety. When installing plastic steel doors and windows and sliding doors in summer, they should be slightly larger in size. Because plastic steel is a kind of material which is greatly affected by temperature, cracks or deformation will occur due to the decrease of temperature in winter due to the expansion and contraction of heat.
If you want to buy a house, you need to choose the right time to buy a house. Choosing the right time to buy a house can save a lot of purchase costs and make yourself choose a more suitable house. After you buy a house, you should pay attention to the specific precautions for buying a house, do a good job in the preparation of decoration, pay attention to the ventilation and ventilation work in the room, and make the house more beautiful.