Are you there? I want to buy a second-hand house in Yan Wen. What should I pay attention to?

The rise in housing prices has made more people choose to buy second-hand houses. So for those who just bought a house, what steps should they take to buy a house

Transaction process

First of all, if you are sure to buy a second-hand house, you must first estimate the total amount of the house, then consult the provident fund center or the bank's loan amount, and then determine the area you want to buy, which is called finding a house.

After determining the regional community, you need to look at the house (if you are looking for an intermediary to buy a house, you can let the intermediary take it); After determining the housing, it is necessary to conduct a property right investigation; After that, the buyer, the seller and the intermediary conduct tripartite oral consultation; Pay the deposit after confirmation, and finally sign the sales contract.

Signing a contract is divided into two aspects.

1. One-time payment (local tyrant): pay the house price, taxes and agency fees first, then go through the transfer formalities, then pay the water, electricity, coal and property management fees, and finally hand over the house for acceptance.

The other is bank mortgage loan: pay 30% down payment first, then the buyer applies for provident fund or commercial loan, then go through the loan procedures, pay intermediary fees and taxes, go through the transfer procedures, then pay water, electricity, coal and property management fees, then get the real estate license to go through the mortgage registration, the buyer signs a loan contract, the bank mortgages, and finally hand over the house for acceptance.

House search

Ordinary commercial housing: the advantage of choosing this kind of house is that the property right is 70 years, the choice is relatively large and the surrounding facilities are complete; But the disadvantage is that the house is old, mostly built in the 1980s and 1990s. The decoration is painful, time-consuming and costly, and there are many security risks.

Relocated house: the advantage is that the property right is 70 years, the age of the house is mostly within 10 years, and the price is lower than that of ordinary commercial housing; The disadvantage is that the quality of the house is average, and it is difficult to replace it when the appreciation is full, and the transfer transaction will take three years.

Commercial and residential duplex: the advantage is that the total price is low, and most of them are second-time new houses. Buy one floor and get one floor, and the available space is relatively large; The disadvantage is that the property right is not so long. In 40/50 years, children can't enjoy the treatment of school district, and the property management fee of water, electricity and coal is more expensive.

Finally, a special reminder.

When buying a house, you must choose the housing according to your own economic situation, and don't exceed half of the budget. If you plan to replace it in the future, then it is better to choose rail transit, which is close to the subway, convenient transportation and large appreciation space. The choice of room type needs to be based on your own preferences and the actual situation of your family. Newlyweds can choose duplex, while a family of three had better buy ordinary commercial houses.

Finally, if you want to buy a second-hand house, you must pay more attention to the age of the house. After all, the older the house, the more troublesome and expensive the decoration is. shqianyy