Buying a house is a major event in life. Buying a house is not as simple as we think, but also has many steps and processes, so every step of buying a house needs special care. What are the detailed process steps of buying a house? Follow Xiaobian to learn!
1、 Buying goal
This is the first problem to be clear when buying a house. If it is for self occupation, we should pay more attention to the geographical location, house type and surrounding supporting facilities; If it is used for other purposes, we should focus on the future development prospect of the house.
2、 New house PK second-hand house
Xiaobian believes that this is a choice of two different lifestyles. People who require high living convenience can consider buying second-hand houses in the urban area; For those who require high quality of life, they might as well choose a new house in the suburbs. In addition, under normal circumstances, the down payment of new houses is lower than that of second-hand houses. Buyers with high down payment pressure can give priority to buying new houses.
3、 Reserve funds
The amount of down payment and monthly payment will be directly related to the quality of life in the coming decades. Therefore, Xiaobian suggests that when you buy a house, you should act according to your ability and determine the total house price and repayment period according to the family's income.
4、 Select real estate
Usually, the quality of real estate developed by large developers with strength and good reputation is relatively more guaranteed. You might as well check the qualifications of developers online to check whether the purchased houses have been mortgaged and sealed up. If the buildings are successfully developed continuously in the same area, priority can also be given, because such buildings usually have high resource integration and complete supporting facilities.
When looking at the house, first confirm the actual information of the house before there is a subsequent purchase transaction. If you buy a commercial house, whether it is an existing house or a future house, you should first have a careful understanding of the basic situation of the house. Including the location, unit and floor of the house. If it is a second-hand house, it should also be carefully checked against the real estate certificate to see if the house is not the right one.
5、 Investigation supporting
The improvement of supporting facilities directly affects the quality of life of community residents. A well-equipped community should have infrastructure to meet the owner's daily needs such as clothing, food, housing and transportation within three kilometers. If there are self built kindergartens and clubs, life will be more convenient.
6、 House size
After determining the real estate, you can estimate how large a house to buy according to the average price of the real estate and the total price of the house that the family can afford. The housing area should be determined in combination with the family's economic situation and actual needs. It should not be too large, but it should not be too small. It is appropriate to be moderate.
7、 Select the right floor
The selection of floors shall be determined in combination with the situation of family members. Generally, if there are old people at home, it is advisable to choose the lower floor; If there are children at home, the lower level should be selected; If young people live, they can choose according to their personal preferences.
8、 Choose a good house type
Usually, a good house type has the characteristics of square pattern, transparent north and south, bright kitchen, clear movement and quiet. Irregular house type, poor lighting and ventilation and mixed dynamic and static functional areas are poor house types in the general sense.
9、 Check five certificates
The risk of buying a house with incomplete five certificates is great. If you are a little careless, the money room may be empty. Special reminder: look at the original when checking the five certificates, because the copy is easier to cheat; If the developer does not agree to inspect the five certificates, the buyer should at least verify the authenticity of the commercial housing pre-sale license.
10、 Sign a contract
Subscription book is an appointment contract for the sale of commercial housing and an independent contract. In order to avoid too much trouble, when buyers decide to buy a house, they can propose to the developer to see the formal contract sample, and then sign the subscription letter when they think it is a formal contract and acceptable, so as not to be locked up. When signing the contract, you should carefully read and understand the terms of the contract and supplementary agreements, and ask lawyers and competent authorities for help if necessary.
11、 House inspection
A very important step in the process of buying a house is to receive and inspect the house. Before the developer is ready to deliver the house, he will notify the owner to receive the house for inspection in advance. This process is easy to be ignored. In fact, this step includes many details that need our attention.
1. Check the residential quality guarantee, residential operation manual, completion acceptance record form, area measurement table and pipeline distribution diagram of the house before checking in.
2. Check whether the commercial house delivered to you is consistent with the commercial house to be purchased under the contract, and whether its structure is the same as the original design drawing. Whether the housing area has been actually measured by the real estate department and whether there is any difference between the housing area and the contracted area.
3. Check the record form for completion acceptance of construction project of the whole building of the purchased commercial house. Only with this form can it be explained that the building has passed the acceptance of relevant departments.