How much is the general down payment for buying a house? 18 common sense of buying a house.

When buying a house, the down payment for the first suite is generally 30%, and the down payment for the second suite is 50-60%.

18 common sense of novice buyers:

First, it doesn't matter who the developer is, as long as the apartment is good and the price is low, it must be a good house.

Analysis: Good apartment type and low price can't be said to be a good house. A house is made up of many factors. Such as location, quality, environment, etc. A good real estate developer must have good ideas, team and property management services. The community can stand the test of time and get praise from the owners.

Second, buying a house only sees the bright spot of a real estate without considering other factors comprehensively?

Analysis: just look at the geographical location, without considering the apartment type, environment, property management service and living cost, just like buying a dress, without considering the style, fabric and price.

Third, a good neighborhood is a high-end neighborhood?

Analysis: the standard of high-grade residential area: a location with beautiful environment and complete facilities to ensure the safety and comfort of the owners. In architecture, landscape, property, etc. We must be ahead of the times and meet the above standards before we can consider high-end residential areas. A good location alone cannot be used as a "high-end" standard.

Fourth, buying a house must buy a large market to be considered high-end?

Analysis: The big market not only covers a wide area, but more importantly, whether the public facilities are complete and the public greening is good. From the planning point of view, large-scale real estate is the first choice. The size of the building has nothing to do with the grade. In addition to the architectural form, property is an important factor, which must meet the living environment of the owners, improve neighborhood relations and form a living circle.

5. Property management is good, that is, the door is good?

Analysis: The quality of property management depends on whether there are perfect facilities and sound management. Ensuring safety is the basic duty. Good property management depends on whether a harmonious community environment can be achieved with the owners, and neighborhood relationship is a platform for communication. The purpose of the activity is not only to be lively and happy, but to make the owners more harmonious.

6. The more supporting facilities, the better the community?

Analysis: It is useless to see whether the residential facilities are practical and whether the owners can use them for a long time. It wastes both the site and the owner's money.

7. Wide spacing between buildings can create a good community?

Analysis: A community with a large distance between buildings is not necessarily a good community. Even if the distance between buildings is not wide, you can build a good community. Wide spacing is a platform for owners to live quietly and broaden their horizons. On the other hand, the distance between buildings is not wide, but it does not create a beautiful and comfortable environment, which is also a good neighborhood.

Eight, the sand table is beautiful, and the real estate is definitely good?

Analysis: the sand table is beautiful, but it is not necessarily beautiful. When the sand table becomes a real scene, it needs the professional execution of the developer. If we only look at the sand table and auction, we can examine whether the developers' early products are honest and responsible to the society.

Nine, buying a prospective existing house is definitely risk-free?

Analysis: the quasi-existing house refers to the subject capping, and the landscape and supporting facilities are not completed. Whether there are risks depends on the concept and intention of the developer when building a real estate. If the developer is dishonest, there are risks in the prospective existing houses, and after-sales service cannot be guaranteed.

Ten, house prices have fallen, now is not a good time to buy a house?

Analysis: Since the national policy, the housing market has been gradually standardized, some housing prices have fallen, and the products are divided into two levels. Good products have risen steadily, while the prices of poor products have fallen. Therefore, when choosing a house, if you buy goods that jump off a building, there will be after-sales risks. Choosing a suitable product is not only risk-free, but also can preserve and appreciate the value.

The higher the earthquake intensity, the better the housing quality?

Analysis: Earthquake intensity is mandatory and cannot be changed at will. Only by carrying out construction and studying materials as required can we ensure high quality, not hype the concept.

Twelve, the moon is round abroad, and the strength of foreign developers is strong. The development of real estate must be large and high-grade?

Analysis: the strength of domestic and foreign developers, the size and grade of real estate has nothing to do, but depends on the company's philosophy and teamwork; Personally, local developers are more reliable.

The houses on the road must be very noisy?

Analysis: Look at the people living around the community, and see if the developer has done sound insulation, noise reduction and dust prevention.

14. The real estate developed by brand companies must be high-quality real estate?

Analysis: brand ≠ high-quality, high-quality real estate must include brand benefits, and brand and quality are divided into three grades: high, medium and low. High-quality real estate must come from brand development companies, because it takes time to settle down, excellent teams and advanced company concepts can stand the test of time.

15. Is the appearance of villa real estate a high-end dish?

Analysis: The appearance is only the architectural style, and the high-end plate needs many factors, just like a person wearing a beautiful dress.

The more medals a company has, the better its products?

Analysis: medals represent past honors, and success in one aspect does not represent all; The second prize is related to the industry. Third, look at how medals are obtained and evaluate their authenticity and gold content.

Many people like my favorite house. That must be a good house?

Analysis: confirm whether the house is valued by others and whether there is a "house care"; The second analysis is whether this room really suits you.

The more books you read, the more experience you have and the more choices you have?

Analysis: buying a house is the same as buying something. You should shop around. Real estate is too comprehensive and wide, mainly because the content you care about is not comprehensive.

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Problems needing attention in buying a house with provident fund loan

Note 1: Prepare loan information?

Provident fund loan procedures are complicated. In order to save the loan approval time and ensure the smooth progress of the loan, the borrower should prepare the loan materials as required before lending. If he is not sure what materials need to be prepared, he can consult the local provident fund management center.

Note 2: Understand the loan requirements?

Before applying for a provident fund loan, it is also important to understand the loan requirements. It is reported that not everyone can apply for provident fund loans. Only employees who pay the provident fund in full and on time within a certain period of time and whose accounts are still in a normal state are eligible to apply. In addition, there are some differences between provident fund loans and commercial loans in terms of loan amount and term, and borrowers must make clear. ,

Note 3: the amount of provident fund loan is not enough. Can I use commercial loans for the rest?

Because the amount of provident fund loans will be limited by various factors (such as deposit base and account balance, etc.). ), sometimes the loan amount obtained by the borrower may not be enough to pay the house payment. At this time, many people will choose to give up provident fund loans and then choose commercial loans. Actually, it's not necessary In this case, the borrower can consider a combination loan, that is, "commercial loan+provident fund loan".

Note 4: Repay in full and on time?

After obtaining a successful loan, the borrower must repay the loan in full and on time according to the contract, so as to avoid leaving a bad credit record and affecting the application for loans and credit cards in the future.

Note 5: Should the mortgage be cancelled after the loan is paid off?

The borrower can cancel the mortgage with the bank loan settlement certificate and other real estate title certificates of the mortgaged property to the district or county real estate trading center where the property is located.

Note 6: After buying a house with a provident fund loan, don't repay in advance within one year.

Repay in strict accordance with the provisions of the provident fund loan, apply for early repayment after one year of repayment, and the repayment amount should exceed six months.

Note 7: Consult with the bank in time when the loan cannot be repaid normally?

During the repayment period, if repayment is difficult, you should first consult with the bank and apply to the bank for extending the loan period. After the approval of the bank, the borrower's application for extending the loan period will be accepted. In this way, it is possible to get married, and it is difficult for borrowers to repay in the near future.

References:

Tips for buying a house _ More rooms