What preparations should I make before buying a house? Buying a house is by no means an impulse.

Buying a house is by no means an impulse. As a novice, you must make all kinds of preparations before buying a house so as not to regret it in the future.

First, understand the current purchase policy.

You must be qualified to buy a house, otherwise you can't buy a house with money; To have enough down payment, you don't need 70% down payment, you only have 50%; Provident fund loans are also conditional, and loans can be made without paying provident fund, and the amount of provident fund loans is also limited.

1, house purchasing qualification

In some cities with restricted purchases, the qualification requirements for buying houses are strict and social security must be paid for a certain period of time. So before buying a house, you must pay attention to whether you are qualified to buy a house.

Step 2 buy a house and settle down

Hukou has always been a big problem. Without Hukou, children can't go to school or take the college entrance examination. Foreigners need to know the settlement conditions of the city when buying a house. For example, some require to buy a house with an area of XX square meters in XX district to settle down, and some cities stipulate that buying a second-hand house cannot settle down. Since you want to buy a house and settle down, you have to figure out the conditions for settling down, so that you can have a clear goal.

3. Provident fund loans

Before handling the provident fund loan, the individual provident fund account must be continuously deposited for 6 months (slightly different in some cities). Be careful not to withdraw the provident fund before buying a house. In addition, the purpose of housing provident fund loans is self-occupied housing, and non-residential houses such as office buildings, commercial houses, garages and villas may not apply for provident fund loans. In addition, the purchased property must have all the property rights and mortgage conditions. If the house property right is partially purchased, employees who pay the provident fund for the purchase of non-state-owned land-based housing land cannot apply for provident fund loans.

Second, be clear about your needs.

Before looking at the house, ask yourself the following questions:

How much money do you have and how much is the down payment? What is the scope of the loan you can afford?

Plan how much time there is between buying a house and decorating. If you don't have enough time to save money, leave some money for decoration.

(3) Where is your life circle? Are you going to buy it near your work unit or near the other half? Or you are going to buy a house between you and your partner's workplace, so that you can roughly determine the area of buying a house.

(4) Do you want to transform or not change rooms within five years? If you don't change rooms within five years, you should put comfort first and consider the number of family members in the future. In addition, do you need to meet the needs of surrounding kindergartens/primary schools/junior high schools when buying a house?

How big a house are you going to buy? How many rooms and halls are there? Don't wait to see the house, these should be determined in advance.

Third, collect real estate information

Now the network is very developed, and it is convenient to find all kinds of information. Before visiting the house on the spot, look at the real estate in the area where you are going to buy a house online. Understand the related real estate information on the Internet and make a comparison. In addition, you can go to the owners' forum to see the comments of netizens on the property, and the posts on the forum are still relatively pertinent.

Fourth, what should I ask when I look at the house on the spot?

1, price

Prices are divided into average price, starting price, lowest price and highest price. The comparison of average prices is of reference significance, but the prices of different buildings, different units and different floors are still different. Be sure to ask the specific price when you are optimistic about which house.

2. Property

The quality of property service is related to the comfort of staying in the future. What are the service items of the property? In addition, don't look at the humble property fee, which is also a big expense over time. The amount of property fees will directly affect your future cost of living. Most properties are below 2 yuan, and some properties advertised as high-end plates are above 2 yuan and even 4 yuan.

3. Delivery time

Whether you can check in on time, whether you can get the record form of construction project completion acceptance, technical report of commercial housing area measurement, residential quality guarantee, residential instruction manual, etc. These must be clearly understood.

4. Sales method

The salesperson should be asked to clearly answer whether to sell according to the construction area or the interior construction area (the main difference between the two is that the construction area includes the pool area, while the interior construction area does not include the pool area). At present, many of them are sold according to the building area. Of course, it is not excluded that some of them are sold according to the interior area of the set.

5. Parking spaces

Cars are common now. Maybe you don't have a car now, but it doesn't mean you won't buy a car in the future. How many parking spaces are there? Is the parking space for rent or just for rent? The charging standard of parking space fee and whether it is above-ground parking space or underground parking space should be asked clearly. It also needs to be clear that the reply and commitment of the salesman cannot be used as the legal basis for future disputes, and everything is subject to the purchase contract and supplementary agreement.

6. How many stairs and families

A lot of practice has proved that the living comfort of two ladders and three households is the best, and now many of them are two ladders and four households. 1 elevator 2 households, 3 households or 2 elevators 5 households and 6 households are also acceptable, but pay attention to the house with only one elevator. What if the elevator is broken? Regardless of the two ladders of seven or eight households.

7. Building spacing

The distance between buildings is related to the quality of lighting and privacy. If the distance between buildings is too small, it will not only lead to poor lighting, but also make invisibility unprotected. Every move at home is easily seen by the opposite residents, unless the curtains are closed in broad daylight.

8. Floor area ratio

The lower the plot ratio, the fewer houses built per unit area, and the less depressed people are living in it. Relatively speaking, the lighting on the lower floors will be better. The lower the floor area ratio, the better the living comfort.

9. Huxing

Learn how to read the floor plan and understand its quality. Read more books, you will find problems, and you will naturally understand. At the same time, the plan can not be ignored.

10, swimming pool

It is also a house with a building area of 100 square meter. Why is the indoor area of others 82 square meters and mine only 75 square meters? So when buying a house, it must be the selling point of this house. The average pool is above 20%, and there are few pools within 20%.

1 1, construction unit

This is too important. Qualification directly affects the quality of the house. When you know the name of the construction unit, you should search for keywords online. You can go to the owners' forum and real estate professional website to check the credibility of the construction unit and check the information of the construction unit as much as possible.

In addition, when you go to the sales department, you should also pay attention to asking whether the five certificates and two books are complete. Considering that the house has to pay various taxes, such as deed tax, property fee, maintenance fund, etc. Keep some money in your hand so that you won't panic when you need it urgently.