What do you need to know before buying a house?

Interlaced like a mountain, buying a house is a layman for most people. Here are some terms you must know before buying a house. Let's have a look!

First, what knowledge should I know about buying a house?

1. Q: What is a commercial house?

A: Commercial housing refers to the housing that developers develop and build after obtaining the land use right through bidding, auction and listing, and sell at the market price.

2. Q: What is a commercial house?

A: Commercial housing refers to all kinds of shopping malls, houses facing the street, facade houses, restaurants, hotels and other houses used for operating and serving residents' lives.

3. Q: What is a house?

Answer: A house generally refers to a long-term building with a roof and walls around it, which can prevent wind and rain, keep out the cold and keep warm, provide people with work, life, study, entertainment and storage materials, have a fixed foundation and are generally more than 2.2 meters high.

4. Q: What is a house?

A: Residential buildings refer to buildings for families to live in, including villas, apartments, staff quarters, etc. Residential buildings do not include uninhabited basements for civil air defense in residential buildings, nor do they include special-purpose houses such as shopping malls, wards, sanatoriums and hotels.

5. Q: What is an apartment?

A: The whole house refers to a house with one household and one set of houses consisting of several bedrooms, living room, kitchen, bathroom, indoor walkway or living room.

What do you need to know about buying a house? Terms you must know before buying a house.

6. Q: What is an incomplete apartment?

A: Non-complete houses refer to houses where people live but not complete houses. For example, a dormitory or student apartment without a separate bathroom and kitchen is a non-complete residence.

7. Q: What is an existing house?

Answer: The so-called existing house refers to the commercial house whose real estate ownership certificate (commonly known as property right certificate) or initial property right registration has been completed by the developer. Consumers do not need to sign a pre-sale contract to buy commercial housing at this stage.

8. Q: What is an existing house?

A: Quasi-existing houses are a term often used by developers, which means that the main body of the house has been capped and completed, the general outline of buildings and facilities in the community has begun to appear, and important factors such as room type and building spacing have been clear at a glance. Houses where the project is in the decoration and supporting construction stage of internal and external walls, or houses that have basically met the occupancy conditions, but have not yet obtained the record form for completion and acceptance of construction projects, registered the initial property rights or obtained the property ownership certificate under the name of the developer.

9. Q: What is house ownership?

Answer: House ownership refers to the total right to control the house and the sum of all rights and interests in the house. According to the general principles of civil law, house ownership is divided into four powers: possession, use, income and disposal, which are also the four basic contents of house ownership. The concept of housing property right is consistent with the concept of housing ownership.

10. Q: Who owns the house?

Answer: Housing owners refer to legal persons, other organizations and natural persons who enjoy housing ownership and land use rights and other rights of real estate within the scope of housing occupation according to law.

1 1. Q: What is a house ownership certificate?

Answer: The house ownership certificate is the only legal proof that the right holder owns the house according to law and exercises the right to possess, use, benefit and dispose of the house. The house ownership certificate is protected by national laws. House ownership certificate includes house ownership certificate, house ownership certificate, house ownership certificate or house ownership certificate, house ownership certificate and house ownership certificate. For example, the house ownership certificate is a certificate issued by the house administrative department at or above the county level to the owner of the house to enjoy the legal ownership of the house. The contents recorded in the house property certificate include: issuing authority, license number, house property category, ownership, location address, building structure, number of houses, number of floors, building area, usable area, design purpose, summary and postscript of other rights, and it is equipped with the house plan and house registration form of the house surveying department.

12. Q: What is another search warrant?

Answer: The certificate of other rights refers to the certificate of rights issued by the housing administrative department and held by the mortgagee after the registration of other rights.

13. Q: What is the registration of house ownership?

Answer: Housing ownership registration refers to the act of the real estate administrative department on behalf of the government to register the housing ownership, mortgage and other rights of the house and confirm the housing ownership relationship according to law.

14. Q: What is an auction house?

Answer: Faster housing refers to the period from the time when the developer obtains the pre-sale permit of commercial housing to the time when the developer obtains the real estate ownership certificate (commonly known as the property ownership certificate) or the developer completes the initial property registration. During this period, the commercial housing is called faster, and the purchaser should sign the pre-sale contract for the sale of commercial housing at this stage. Auction sale is a common way for real estate developers to sell houses at present, so as to facilitate the withdrawal of funds. Buying an auction house means that the buyer buys a house that is still under construction or a house that the developer has not yet obtained property rights.

15. Q: What is an unfinished building?

A: The term "uncompleted residential flats" originated in Hong Kong and refers to the unfinished buildings. Generally speaking, "uncompleted residential flats" refers to auction houses, that is, houses that are being pre-sold. What is transferred in the auction stage is called speculative "uncompleted residential flats".

16. Q: What is affordable housing?

A: Affordable housing refers to the housing arranged according to the national indemnificatory housing construction plan. It is a housing policy implemented by the state to solve the housing problem of urban low-income families. The construction of affordable housing is planned by the state in a unified way. Generally, land is allocated by administrative means, and land transfer fees are exempted. All approved fees are levied by half, and the selling price is guided by the government. Generally, the profit rate is controlled at around 3%. The cost of this kind of housing is lower than that of commercial housing of the same grade, so it is also called affordable housing. Affordable housing has the characteristics of social security and economic application. Economy means that the house price is relatively moderate relative to the market price and can adapt to the affordability of low-and middle-income families; Applicability refers to emphasizing the use effect of the house in the house design and building standards, rather than building standards. Property management of affordable housing is different from that of commercial housing.

17. Q: What is Weifang?

A: weifang is a kind of vacant house, which means that developers often sell the remaining houses. Under normal circumstances, when the sales volume of commercial housing reaches 80%, it generally enters the liquidation sales stage of real estate projects. The properties sold at this time are generally called weifang. After normal sales, the developer left a small number of houses that were not easy to sell. These houses may have bad orientation, poor lighting, poor floors, loud noise, or defective quality.

18. Q: What is an unfinished house?

A: Unfinished housing refers to a house that can't be sold, has a large area vacant, can't recover the initial investment, can't carry out subsequent construction, or even stops the construction of the whole project because of the developer's insufficient funds or the wrong positioning of the real estate.

19. Q: What is a deposit?

A: At present, developers generally collect the down payment from the buyer through subscription, ordering and booking before signing a formal commercial housing sales contract with the buyer. Deposit refers to a certain amount of money agreed by the parties to be paid by one party to the other party as a guarantee of creditor's rights. It belongs to a legal way of guarantee, and its purpose is to urge debtors to perform their debts and ensure the realization of creditor's rights. If the buyer changes his mind and decides not to buy after paying the deposit, the developer has the right not to refund the deposit on the grounds that the buyer has breached the contract; If the developer sells the house to others, he should double the deposit to the buyers.

20. Q: What is liquidated damages?

A: Liquidated damages refer to a certain amount of money that the breaching party should pay to the other party under the premise of one party's breach of contract according to the law and the contract. Liquidated damages are an economic sanction to the defaulting party, which is punitive and compensatory. As long as the parties breach the contract, regardless of whether they have caused losses to the other party, they must pay liquidated damages.

Second, what real estate development knowledge should I know when buying a house?

1. Q: What are the "five certificates"?

A: Real estate developers should have a construction land planning permit, a construction project planning permit, a construction project commencement permit, a state-owned land use permit, and a commercial housing pre-sale permit, referred to as the "five certificates". The first two permits are issued by the planning department, the construction permit is issued by the construction department, and the state-owned land use permit and the pre-sale permit of commercial housing are issued by the land and resources department and the Housing Authority.

2. Q: What are three links and one leveling?

Answer: Three links and one leveling, also known as pure land, means that the land has the conditions of water supply, rain pollution, access and site leveling.

3. Q: What is "seven connections and one leveling"?

A: Seven connections and one leveling, also known as cultivated land, means that the original land can meet the conditions of water supply, rainwater, sewage, electricity, heating, telecommunications, road access and site leveling after primary development, so that secondary developers can enter the site for construction. At present, the government land consolidation and reserve center is responsible for the work of "seven connections and one leveling" or entrusts professional land developers to be responsible.

Third, what knowledge should I know about buying a house?

1. Q: What is the property area of the house?

Answer: The property right area of a house refers to the building area where the property owner enjoys the ownership of the house according to law. The area of housing property rights shall be determined by the administrative departments of real estate of municipalities, cities and counties directly under the central government.

2. Q: What is the occupancy rate?

Answer: The rate of getting a room refers to the ratio of the interior construction area to the construction area. Interior construction area = interior usable area+interior wall area+balcony construction area.

3. Q: What is the utility rate?

A: The utility rate is the ratio of the interior construction area to the residential area, which is greater than the utilization rate. That is, utility rate = interior construction area/(interior construction area+shared interior construction area).

4. What should I know about buying a house? Housing loan terms and taxes.

1. Q: What is mortgage?

A: mortgage is a Cantonese transliteration of the English word "mortgage". Some property buyers think that "mortgage" refers to mortgage or mortgage loan. In fact, the original intention of mortgage is not a loan, but a civil legal act, or a system that binds buyers and sellers (developers) and financial institutions (banks) in the process of house pre-sale. It is a kind of mortgage guarantee in real estate credit. Building mortgage is an agreement between developers, banks and buyers. Property buyers are required to mortgage the rights and interests of their purchased properties, and developers ensure that property buyers pay off bank loans on time. When performing debts, banks have the right to dispose of collateral and give priority to repayment. After the buyer pays off the loan, the mortgage beneficiary will cancel the mortgage of the house involved. Mortgage is also called building mortgage or bank mortgage.

2. Q: What is the housing provident fund?

A: The housing accumulation fund is a policy-based long-term housing savings. The housing accumulation fund system is a housing reform policy implemented in combination with the actual situation of China's urban housing system reform. It refers to the overall operating mechanism and management system composed of the collection, management, use and repayment of housing accumulation fund. The specific content mainly includes three aspects: (1) "personal storage, unit subsidy" housing provident fund, which is used exclusively for housing expenditure, and the principal and interest of the provident fund are exempt from personal income tax. (2) Manage the housing accumulation fund according to the principle of "unified management". (3) Use the housing provident fund according to the principle of "earmarking".

3. Q: What is a personal housing mortgage loan?

Answer: Personal housing mortgage loan is a loan method in which the borrower applies for a certain amount of loan from the bank with the real estate that the borrower or a third party can independently control as collateral when buying or building a house. If the borrower fails to repay the principal and interest of the loan at maturity, the loan bank has the right to dispose of the mortgaged real estate in accordance with the law to obtain repayment.

4. Q: What is a personal housing secured loan?

Answer: Personal housing secured loan refers to a loan in which the borrower or a third party takes the purchased house and other property with ownership as mortgage or pledge, or the third party provides guarantee for its loan and assumes joint liability. If the borrower fails to repay the principal and interest of the loan at maturity, the loan bank has the right to dispose of its collateral or pledge according to law, or ask the guarantor to bear joint and several liability for repaying the principal and interest.

5. Q: How much is the property fee?

Answer: Property management fee is a service fee paid by the owner or user to the property management enterprise on a regular basis in order to provide property services to the owner according to the content authority stipulated by relevant laws.

The terms you must know before buying a house mentioned above must be clear, otherwise you can only let the salesperson lead you by the nose!

You must be cautious in buying a house, look more, choose more and compare more, and make a decision after comprehensively considering "location, transportation, environment, surrounding facilities, apartment type, developer and price". When looking at a house or buying a house, you can go to Xin 'an Real Estate Network, and penetrate in all directions from the aspects of "looking, choosing, comparing and buying", so as to systematically solve the problems in looking at a house or buying a house for buyers and buy the most ideal house faster.