What should I pay attention to when buying a house for the first time?

1, pay attention to the funding problem.

When buying a house, the first thing to consider is the issue of funds. If there is no money to buy a house, everything is useless. Many buyers missed their favorite house because they couldn't get the down payment at one time. Even if there are more concessions, it will only have practical significance after the down payment. Therefore, we must pay attention to the issue of funds. In addition to the down payment in the early stage, the problem of repaying loans should also be clearly planned to avoid the situation of buying a house but not being able to repay the loan.

2. Pay attention to clear requirements.

Whether buying a house or other items, you should be clear about what you are buying before buying, and you should not choose aimlessly. This is the taboo of buying a house. Buying a house is not a joke. There are many problems that need attention, especially your own needs should be as clear as possible, such as just buying a house, improving your home, or investing idle funds in buying a house. All these should be considered before buying a house. Because different needs will have different emphases in the process of choosing real estate, it is possible to find a suitable house only after clarifying your own needs.

3. Pay attention to the five certificates.

Whether you buy a house through a real estate agent or a sales office, you must first look at the other party's documents. Developers need to have five certificates, namely, commercial housing sales (pre-sale) permit, construction project construction permit, construction land planning permit and state-owned land use permit. Of course, in general, you only need to check the commercial housing sales (pre-sale) license, because only the first four certificates are complete will the Housing Authority issue the commercial housing sales (pre-sale) license.

4. Pay attention to the details of the property.

When choosing a real estate, some friends tend to ignore the details because there are many points to pay attention to. Many times, besides paying attention to the price, area and supporting facilities, people often ignore the details of real estate, such as the proportion and use of parking spaces, the design of underground garages, the distance between buildings, the living environment and atmosphere of the community, etc. These details will have a big or small impact on the future life of buyers, and must not be ignored.

5. Pay attention to sales advertisements.

When you get to know the house, you will see relevant advertisements, some of which are very attractive. However, many developers exaggerate publicity, and sales advertisements are inconsistent with the facts, misleading buyers. This behavior violates the regulations on real estate advertising management, and the buyer should report it to the administrative department for industry and commerce in time, and the administrative department for industry and commerce will handle it according to law.

What is the process of buying a house?

1. Evaluate purchasing power.

Although many cities have implemented the policy of restricting purchases and loans, the purchase policies of different cities are different. Therefore, before buying a house, you need to consider your own qualifications and estimate your own economic strength to determine which areas you can buy a house. If you live in your own home, you should consider the situation of the house itself and your solvency. At the same level, priority should be given to the factors that affect the appreciation of housing prices, such as location, supporting facilities and future development prospects of the region.

2. Understand real estate knowledge.

In order to prevent being fooled in the process of buying a house, buyers should know the relevant knowledge of buying a house in advance. Property buyers can understand the property rights, greening, area and floor area ratio of houses in a targeted manner while understanding the knowledge of buying houses. Knowing the necessary real estate knowledge can effectively help buyers understand the real situation of houses and communities.

3. Look at the house and choose a house.

Whether buying a new house or a second-hand house, many property buyers are used to checking the listing information online first, but the information they see online is only a part and cannot be ignored. The contents that buyers need to pay attention to in the process of on-the-spot viewing include: investigating whether the projects sold by developers are complete with five certificates; The building spacing, floor area ratio and greening rate of the building itself; Huxing occupancy rate, lighting and ventilation, waterproof effect, delivery standards; Whether the living facilities around the property are convenient.

4. Sign the contract.

After choosing a house, the buyer will sign a house sales contract with the seller. If you need to pay a deposit before signing the contract, the buyer should make clear the difference between the deposit and the deposit, and the deposit can be refunded but not refunded. When signing a normal house purchase contract, you should carefully read the contents of the contract, specify the basic situation and items of the purchased commercial house, determine the time and conditions for handing over the house, and clarify the handling methods for planning changes and area differences.

5. Select the payment method.

There are two payment methods for buying a house, one is to buy a house in full, and the other is to buy a house with a loan. No matter which way you choose to pay for the house, buyers need to choose according to their actual situation. One-time payment is suitable for existing houses. It is best to pay part of the house price first, and then make up the remaining house price when handing over the house. When buying a house by loan, we should choose the appropriate loan method and loan term, such as provident fund loan, commercial loan and portfolio loan.

6. Wait for the delivery and check in.

After the buyer pays, he can wait for the house to move in. For buyers who buy a new house, it may take a long time to hand over the house. After the completion of the project, the developer will notify the buyers in writing for acceptance, and the buyers can inspect the houses with their ID cards and the Commercial Housing Sales Contract. If there is no problem, sign the house acceptance handover form, take the key and pay the first property management fee.