How can I buy a good house in New Zealand?

If 20 17 New Zealand's real estate market is calm, then 20 18 is a good market, and it is from the seller's market to the buyer's market. So how can we buy a good house when we buy a house in New Zealand? Get to know me together.

First, determine how much money you can borrow.

Knowing how much you can borrow, you can determine how many houses to buy and find a targeted house.

Fang Ge used a blue label bank to test the annual income before tax of 40,000 yuan.

How much can I borrow is influenced by many factors, including your salary.

Many bank websites provide online "loan evaluation" function, but this is informal, and you have to get the "pre-approval" of the loan to calculate it.

In addition, you must set aside the cost of moving and decorating your new home.

Second, find a loan intermediary.

Many first-time buyers often borrow money directly from banks. This is not to say that it is not good to go to the bank directly. But finding a good loan intermediary can be more efficient, because they will compare banks more professionally and find better interest rates.

Sister Fang used to be an excellent loan intermediary.

Moreover, for borrowers, loan intermediaries are free, and they take commission from banks.

How to judge whether a loan intermediary has the strength? Brother Fang thinks that people who have money to advertise are naturally more powerful than those who have no money to advertise.

Third, find a real estate transfer lawyer.

New Zealand real estate must be transferred through a lawyer, so if you plan to buy a house, find a lawyer as soon as possible.

Not only can a lawyer help you check the contract, but any "problematic" clause can remind you; Lawyers can also help to check the real estate information and prevent buying "problem houses".

Moreover, because the lawyer checked the documents for you, if the owner suffers losses because of the lawyer's poor explanation, the lawyer is responsible.

Fourth, build a good relationship with the housing agency.

The first thing to remember is:

Real estate agents are never friends of buyers!

Real estate agents are never friends of buyers!

Real estate agents are never friends of buyers!

Because most intermediaries are sellers, not buyers. The first thing to consider is the interests of the seller rather than the interests of buying a house, not to mention the higher the house price, the more sales commission.

Although there is no boat of friendship

However, you should have a good relationship with the intermediary, because they can inform you in time when there are new houses.

This is very helpful for you to find a suitable house as soon as possible.

Fifth, more participation in housing opening.

In New Zealand, houses listed for sale are generally open for display on weekends. During the open exhibition, you can not only communicate with the housing agent conveniently, but also see the house on the spot.

Some property buyers think it's windy and rainy, so don't go out to see the house. In fact, this view is not recommended by Fang Ge: when you look at the house on rainy days, you can see how the house is drained, and the design defects and even water leakage problems of the house are more easily exposed.

Sixth, find a suitable house.

If you are a novice, it is not so easy to find the most worthwhile house.

Therefore, you should do more research. The more you do, the greater the chance of buying a good house.

How important is the school district to you? What's the difference between cross-leasing and free holding? What happened to half the field?

Position! Position! Position!

Important things must be said three times!

There is a saying: buy the worst house in the best neighborhood. Real estate bacteria feel that lots will indeed be more important, whether it is investment or self-occupation.

Seven, carefully buy the house that needs to be renovated.

Many new buyers also want to find a "built" house, hoping to make the property appreciate through their own decoration.

Although people can be seen on TV to make a profit, not everyone has the ability of DIY.

For example, Fang Ge spent three months DIY building a shoe rack, and he found that he had no talent at all.

For novices, renovation may encounter many unexpected problems. It is more cost-effective to buy a house without maintenance or decoration.

Eight, about the house inspection

According to local laws and regulations in New Zealand, if the intermediary knows what is wrong with the house, it needs to inform the buyer.

However, if the intermediary does not know this problem, naturally there is no obligation to inform and there is no way to investigate the responsibility.

For example, the house has a history of water leakage! If the owner hides it from the intermediary, the intermediary knows nothing about it, and the new buyer can't understand this information.

Looking for professionals to inspect the house can help buyers avoid losses; Especially for structural problems, maintenance will be particularly expensive.

Therefore, if you really want to buy a house, you still need to find a professional to test it before making a final decision.

Nine, learn to bid reasonably

With luck, the owner may choose to bargain, but most houses in Auckland will still be auctioned.

So you should learn how to bid and bargain, and learn some auction skills. Brother Fang will teach you how to participate in the auction in a subsequent article.

In addition, real estate experts suggest that when attending the auction, it is best to bring a relative and friend to remind yourself to calm down in time and take pictures of houses that you can't afford.

For auction or negotiation of the house: bold bid!

The worst result is that the current owner will not accept your bid, in case you miss it.

X. avoid potential problems.

Buying a house in New Zealand may encounter some potential problems. For example, it is necessary to know the types of property rights such as "leaking houses", cross-leasing, and lease holding, as well as the potential charges such as "property fees".