Tip: Common sense about buying a house.

With the development of the real estate market, the number of buyers is increasing. Buying a house is a happy and proud thing, but if you ignore the necessary common sense of buying a house, there may be all kinds of angry and collapsed things in the middle of buying a house. Houses have always been the bulk of family property. When it comes to buying a house, ordinary buyers will consider the house price, location, supporting facilities and apartment type. Even many property buyers will only think about the price level, ignoring a lot of common sense of buying a house. The following small series will give you the necessary common sense of buying a house.

1: 70 years for residential buildings, 40 years for commercial buildings and 50 years for industrial buildings.

2. Developers must have these five certificates to qualify for selling houses! Five certificates include: commercial housing sales (pre-sale) permit, construction permit, construction planning permit, construction land planning permit and state-owned land use permit.

3. At least the following drawings are required to select the apartment type: plan, apartment type and apartment type.

4. In the national laws and regulations on real estate, there is no "intention money", either deposit or deposit.

When buying a house, some areas of the metropolis are given away, such as balconies. Balcony can be divided into closed balcony and semi-closed balcony. The closed balcony should be fully calculated, and the semi-closed balcony has only half the area, so the more semi-closed balconies, the more valuable they are.

6. In fact, everyone can get a 15% discount on the insurance premium, and many insurance companies can give you a discount.

7. The clear height of the house refers to the distance between the ground of the lower floor or the ground of the upper floor and the lower floor of the upper floor.

8. The studio of a house refers to the actual distance between one wall skin and another wall skin in the house.

9. The length and depth of a house refers to the actual length of an independent house or residential building from the front wall to the back wall.

10: The height of a house refers to the distance between the surface of the lower floor or the surface of the floor and the surface of the upper floor.

1 1: Some people's wages may not be very high, and most of the houses are down payments from their families. Your bank running bill may not look good. Make a beautiful running account before buying a house. Save a little money in the bank card every month, so that there is a deposit record, which will improve the approval rate.

12: because bank loans are all integers, they will not be lent to thousands. If you are lucky enough to think that it will pass, it will be difficult for banks to borrow money in the case of tight loans. So if conditions permit, try to borrow integers! For example, you want to borrow 325 thousand. Try to borrow only 320 thousand.

13: If the spouse has bought a house and the loan has not been paid off, the other spouse is still considered as a second suite and cannot enjoy the preferential policies for the first house purchase.

14: Employees who have no housing (employees who have paid in the city without housing and rented a house) can withdraw the housing provident fund to pay the rent as long as they have paid the provident fund continuously for three months, without rent invoices or tax bills.

15: equal principal and interest, that is, the monthly repayment amount remains unchanged. In the average capital, the principal is unchanged in the total monthly repayment, and the interest is calculated separately.

16: Various handling fees that may occur in the process of lending to banks: notary fees, attorney fees, insurance fees, appraisal fees, handling fees, etc.

17: Don't ignore the proportion of parking spaces in the community. The direct consequence of insufficient parking space ratio is that the owner will stop and put it in disorder, which will cause safety hazards.

18: The formula for calculating the pool area of the house is the total building area multiplied by the sum of the public building area and the interior building area. The construction area of public and management rooms serving the whole building, such as lobby, corridor, elevator shaft, stairwell, garbage chute, power distribution room, equipment room, etc.

19: Residential property is also very important. Property is the housekeeper of the community and the most powerful guarantee for the safety and health of a community. The maintenance of infrastructure, the maintenance of houses and the operation of normal order all require property management.

20. The down payment for house purchase formalities shall be paid when the pre-sale contract is signed. The first step is to sign a gold contract, then the developer will give you time to raise the down payment, then sign a loan contract, lend money, and wait for the developer to hand over the house.

For most young people, buying a house is a major event in their lives. You can't blindly follow the trend of buying a house. You should determine the direction of buying according to your own requirements, understand the common sense of buying a house, and choose a house carefully.

(The above answers were published on 20 17-02-24. Please refer to the actual situation for the current purchase policy. )

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