What did you learn after buying a house for the first time?

19 bought an auction house, handed it over for 20 years, and then began to decorate it. I moved in last June 12. It's been more than half a year now. Let me talk about some things I realized after buying a house for the first time, so that more people who want to buy a house can avoid into the pit.

Buying a house for the first time, I don't understand many places. I paid the money after reading it for a few days. Because of the need of marriage, I can't afford to buy a house in a big city, so I can only choose to go back to my hometown to buy a house. The county seat of our hometown is on the coast, and the house price is not cheap. 65438+I bought it in March 2009. When I bought it, it was more than 7,400 yuan per square meter.

Because my dad is a decorator and knows a lot about the house, it is mainly my dad who is making a decision to buy a house. I am busy working in other places. During that time, I went home for a few days, and my father showed me several properties in the county.

At that time, I mainly saw two properties, one with a unit price of more than 7400 and the other with a unit price of more than 8400. The former has a low unit price and a small community with only three buildings, but there are only two rooms left on the 4th and 23rd floors, and if you want to buy one on the 23rd floor, you must also buy a parking space by the way. The price of a parking space is 1.25 million yuan. The latter community is very large, with 12 buildings. Property greening is well planned, but the unit price is high. There is a commercial square next to both communities, which is said to be the largest square in our county.

Finally, after consideration, I decided to buy a property with a unit price of 7400 yuan and an area of 104 square meter. Although I want to buy a parking space, I think I will definitely buy a parking space when I have a car in the future. Parking spaces will also cost money, so I might as well buy them directly. At that time, there was another apartment for me to choose, which was 1 18 square meters, but because the entrance door of that apartment was facing the bathroom door of the master bedroom, many people said it was unlucky, so I didn't buy 1 18 apartment.

In this way, I asked for leave to go home for a week or so, and the house was settled. Because it is the first suite, a down payment of 20% is enough. Over 1.5 million. I paid the parking space in full, and my family supported me a little. Then, the remaining 600,000 yuan was borrowed from the bank. At present, it is necessary to pay 432 1 yuan per month. Because there is no provident fund, it is a commercial loan.

In this way, I bought a house in a daze. Then, at the end of 20 years, I handed over the house. After the house was handed over, I took out all my savings to decorate it. I spent half a year decorating. Total renovation cost 1.5 million. I moved into the house from 65438+2 last year.

It can be said that the whole process of buying a house went smoothly without any major problems. It's just a pity, because I am currently working in the urban area, and there are fewer houses in the county, so I let my parents live in it.

Second, I know some small things from buying a house to handing over a house. After talking about the general process of buying a house, let me talk about some minor problems I encountered in the whole process of buying and delivering a house. I hope that you who plan to buy a house next can understand these points as soon as possible and get ready.

The average price is different from the unit price you bought, and the unit price of different floors is also different.

The prices given by many real estates are average prices. For floors above 10, the price of each floor will increase by 50- 100 yuan on the basis of the average price, which means that the higher the floor, the higher the unit price. So, don't be fooled by the average price on the leaflet.

② In many places, the down payment ratio of the first suite is generally 20%, not 30%.

When buying a house, you should make a property certificate under your own name to prove that you obviously have no property, and the remaining 80% can be loaned by looking for a bank loan. Of course, the less the down payment, the greater the pressure to repay the loan every month.

(3) There are two loan methods, one is equal principal and interest, and the other is average capital.

Matching principal and interest loans means that the amount to be repaid every month is fixed; The average capital is the highest in the first month, and then gradually decreases every month. Most people choose the former because the pressure will be less. So in terms of time, there are three choices: 10 year, 20 years, 30 years. Most people also choose to delay the time to a maximum of 30 years.

If you choose a 30-year loan with equal principal and interest, assuming that you borrowed 600,000 yuan from the bank, you will finally have to pay back about 654.38+0.2 million yuan, of which interest accounts for half. People who haven't bought a house may not know how much money to pay back. I didn't know it at first, but I was scared after a detailed calculation, but if I don't get a loan, I may not be able to buy my first house until I am in my 50 s.

The building area on a single page is not what you actually get.

Take the house I bought personally as an example, 104 square meter. I read what was written on the leaflet and thought it was already very big. But in fact, when I actually handed over the house, I realized that there were only 84 square meters left, and the pool area reached 20%, which was very scary. Many high-rise residential areas have a large pool area. We have no choice but to accept the pool area.

Therefore, we must calculate the pool area before buying a house. Don't think that if you buy a house with a flat of 130, you actually get a flat of 130. Otherwise, your psychological gap will be great.

⑤ One staircase with two households or one staircase with four households, which do you choose?

Bought a house, one ladder and four households. When buying a house, the agent told me that it is more convenient for four households with one staircase to have two elevators. But I didn't know until I checked in. There are four households on the first floor, and there are generally three people in each household. One floor 12 people, actually very crowded. My friend bought a two-bedroom apartment with one staircase. Although there is only one elevator, there are few people, so you don't have to wait for the elevator sooner or later.

Therefore, if you don't like crowds, you'd better try to choose one ladder and two households, so that you can live more quietly.

If you buy an auction house, you must visit the model house.

I bought an auction house and didn't go to the model house at that time, which was my biggest regret. The size of the actual room is different from what I expected. Although acceptable, I feel uncomfortable. Therefore, when buying a house, don't just look at the drawings, but really look at the model house. Generally, there will be a model house in the sales office, so you must have a look, not at his decoration. The decoration of the model house is very luxurious, mainly depending on the size of the space.

⑦ After the house is handed over, there are still some places to pay.

After handing over the house, many people think that they can enter the house directly, which is wrong. To get the key money, you have to pay the developer a sum of money, which includes: public maintenance fund, utilities, property fees.

First of all, let's talk about the public maintenance fund. The amount of money is huge. It generally accounts for 2% of the total house price. For example, the total price of my house is 800,000 yuan, and the public maintenance fund has to be paid 16000. This money is counted as household use, that is, if there is a problem with the house, it will be needed.

Then talk about electricity, water and property fees. Under normal circumstances, the developer will help us pay a little electricity fee in advance, which is different from water fee. There is also the property fee, which is high or low. The residential area I bought is one square meter 1.2 yuan, and some expensive residential areas have more 2 yuan per square meter. The bigger the house, the more property fees will be paid. After the delivery of the house, the property fee is generally paid one year in advance.

You must know the property fee.

The property fee is calculated according to the area you bought, so not every household is the same. For example, if I buy 104 flat, the property fee is per square meter 1.2 yuan, and the annual property fee is104 *1.2 *12 =1497.6 yuan.

Also, if you don't move in, you don't have to pay the property fee. After getting the house, even if you don't decorate or live, you must honestly pay the property fee. At first, I thought that as long as I didn't live in it, I didn't have to pay the property fee, which was completely wrong. After paying the house, I began to pay the property fee. The general community pays it once every quarter.

Three, from the renovation to half a year, I want to tell you some little secrets. Decoration is a very tiring thing.

Decoration is a very hard work, very tired, and there are many pits in it. So if there are relatives in the decoration, I suggest that relatives help, which will also save a lot of effort.

The whole decoration process is divided into: cement-water pipes-bricklaying-carpentry-painting-buying furniture.

It always takes nearly three or four months to go back and forth. When laying water pipes, leave as many sockets as possible, otherwise you will find that there are always not enough sockets after you check in.

There is the return of the south, so it is best not to stick wallpaper on the wall, it will become moldy in a few years. If the budget is enough, it is recommended to stick tiles on the wall to prevent moisture, although it will appear "cold" in winter.

There are two choices of wardrobe and bed. You can buy it on site or ask a carpenter to do it. If carpenters do it, the level of craftsmanship is uneven, but the price will be lower than that on site.

In the process of decoration, it is inevitable that there will be contradictions with the decoration master. I suggest that we try to avoid conflicts. After all, we are not professionals. Listen to the professionals, keep a modest attitude and buy afternoon tea for the master from time to time. If they are happy, they will also help you make your work more beautiful. Decoration, in fact, should also consider the world of the head of household.

② Some suggestions on furniture selection.

If you want to wash the washbasin, try to choose the washbasin under the table. Although the basin on the table is beautiful, it is too much trouble to clean it up. Between beauty and convenience, convenience is more practical.

Television, in fact, people seldom watch TV nowadays, unless there are guests at home, so there is no need to buy an expensive TV. The TV I bought at that time was too expensive, and now I regret it a little.

If the house has high floors and good ventilation, there is no need for central air conditioning. If you want to install central air conditioning, you must preset the location in advance when laying water pipes, and there is no way to change it later. So, just buy a vertical air conditioner. This room is very convenient, but the only drawback is that it takes up a little space.

One more thing, make more cabinets and make full use of space, otherwise the house will look messy in the future.

(3) There is deed tax to pay later.

When handing over the house, there is still a sum of money to be paid later, that is, to get the real estate license and then pay the deed tax by the way.

The first suite, with an area less than 90 square meters, shall be paid according to 1% of the total house price. If it exceeds 90 square meters, it shall be paid to 1.5%. Deed tax is also a big expense. For example, if my total price is 800,000 yuan, the deed tax will be 12000 yuan.

4 loan to buy a house, the real estate license is not in your hand.

Under normal circumstances, if you borrow money to buy a house, the real estate license is not in your hand, but mortgaged in the bank. After you pay off all the loans, the bank will pay you back. But some banks will make a certificate and then let you take the real estate license home. After all, with a red notebook in hand, everyone will feel safe.

The size of the house is not important, the most important thing is ventilation and sunshine.

Sunshine is really important. In fact, many low-rise houses in residential areas can't get sunshine. When many people buy faster houses, they don't know whether the floor they buy can shine in the sun. So try to buy a lower floor, you can't get the sun, and your clothes can't get the sun, which is very uncomfortable.

The house is small and can make do, but there is no sunshine and ventilation, which makes people feel uncomfortable and unhappy.

Even if you buy a parking space, you have to pay a management fee every month.

Bought a parking space at a total price of 125000. At first, I thought I didn't have to pay any more money after I bought it, but in fact, even if I bought a parking space, I still have to pay a management fee every month. I live in 70 yuan every month, and different communities are different. This money is for cleaning your parking space.

Instead of buying a parking space, you can find a property parking space. Most parking spaces are priced between 300-500, which is the price of second-and third-tier cities, and the parking spaces in big cities will be higher. People have different opinions on which is more cost-effective to buy a car or rent a car. If you buy it, you will feel more secure. If you rent it, sometimes people will not rent it after a few years, and you have to look for it again, otherwise the price of parking spaces may continue to rise in the future. Personally, if you have the strength, you can buy it directly, and you will feel more at ease when you buy it.

If your job is not there, you'd better not buy a house there.

I am a typical example. If the city can't afford it, I will go to the county to buy it. There is no job in the county. I can't go home several times a year, so my parents can only live in the house. Therefore, try to buy a house in a city that can provide you with employment opportunities, where to buy a job, and it is best not to buy it in a place where there are no job opportunities, otherwise your future house may be vacant for a long time.

You can repay the mortgage in advance today, but you have to pay liquidated damages.

If you have money in the future, the mortgage can actually be repaid in advance, but some banks have to pay liquidated damages, which is different from the bank regulations. But most people will not pay it back in advance, and 30 years is still the choice of most people.

Pet-name ruby if confessed, how to do?

If the mortgage is cut off, the bank may take your house away or even auction it. Therefore, as far as possible, don't break the confession. Cary saved more than half a year's mortgage money in advance. In this case, it won't be too anxious to prevent yourself from being confiscated one day.

Finally: buying a house is a major event in life. After buying a house, it means facing great pressure. You must work hard from now on, and you can't live in a daze.

I wish everyone can buy a house smoothly, live in their ideal house and live a good life.