Why is it so tiring to buy second-hand houses in Zhengzhou?

Guide: Which is more tiring, buying a new house or buying a second-hand house?

My college classmate Zhou Hao studied law with a master's degree, and now she is a partner in a law firm.

Before April 20 16, I had no house and lived with my parents.

However, in 20 16, affected by the rush to grab houses, we began to buy new houses in August, and in 10, we bought new houses by mortgage.

Today, let's not talk about the value-added of these two suites. Aside from politically correct issues such as speculation or housing, I asked him a question that day, "From the perspective of money or the quality of the house, purely from the perspective of law, process and market environment, is it more tiring to buy a new house or a second-hand house?"

"I thought he would meditate, but after hearing this question, he told me without hesitation," Needless to say, buying a second-hand house is more tiring, so fucking tired. "However, why?

Two metaphors

Author: I only bought a new house, but I have no experience in second-hand housing. The second-hand house has an intermediary to help you operate it. Just pay for it. Where are you tired?

Zhou Hao: Let me give you an analogy. Buying a new house in Zhengzhou is equivalent to taking part in a gamble, full of uncertainty. We need to make decisions in uncertainty all the time. For example, what is the location? If the provincial party committee can move to Baisha, the project value is12000; If not, is it worth 12000?

All housing enterprises say that they are high-quality housing enterprises, and their products are craftsman spirit. But after the real delivery, it is necessary to bet on the quality, whether it is the quality of Shenglong or Greentown, the quality of Wei Yong or the quality of overseas Chinese. Many factors are beyond your control, but you must make a decision.

However, buying a second-hand house is equivalent to participating in the Long March. One of the biggest advantages is that you don't have to guess whether the house is good or bad. The house is there. But the whole process is full of various legal and moral risks. You need to take a breath at all times and stand the double test of physical strength and spirit.

Ten tests

Author: You are a lawyer and bought a second-hand house last year. From your point of view, what is more risky to buy a second-hand house?

Zhou Hao: It doesn't matter whether you are a lawyer or not. But as a buyer, if you want to buy a satisfactory second-hand house, you need to go through multiple tests at least.

Test 1: Looking for a house. You need to find out the housing that meets your budget and requirements from hundreds of pages of housing fairs and 58 pages of urban housing pages, and ensure that this housing is real, not a phone call from an intermediary.

Test 2: Make a phone call. Judging from these two websites, the chances of finding the real owner are slim, and it is very likely that the other end of the phone is a property.

Test 3: Looking at the house. You need to pray that the house you see will not be too far from what you imagined from the photos and the description of the agent.

Test 4: legal relationship, be sure to confirm the time of the house. The deed tax paid before 20 15 years 1 month has no 20% differential tax, but the deed tax paid after 20 15 years 1 month has 20% differential tax, and there are legal issues such as whether there is a mortgage and whether there is someone.

Test 5: Negotiate counter-offer. Buying a house is not Taobao buying clothes. You should consider the difficulty of counter-offer.

Test 6: Whether the contract signing is fair, not obviously unfair, depends on the level of its own intermediary. Moreover, intermediary contracts often protect the interests of intermediaries first, followed by the interests of landlords, and finally the interests of buyers.

Test 7: Negotiate with the intermediary. The tax collected by the state is dead, but the agency fee, agent transfer fees, loan service fee, mortgage fee and loan agency fee can all be discussed with the agency, but people are professional and you are an amateur, so it is estimated that negotiation is more difficult than house price. Moreover, some of these expenses are fabricated by the intermediary. What department he said to give to what department actually fell into his own pocket. Do you really think that real estate agents live on 1% or 2% agency fees?

Test 8: All parties involved in fund supervision, tax payment and transfer must fully cooperate, and no one can do it. For example, if the bank fails to receive the credit information, it may be wasted. And in this process, the landlord can't change the price for the time being, but in the 20 16 market, there are fewer landlords with constant prices than those with variable prices.

Test 9: After the year is over or the money is tight, the bank can't get the loan, although it is useless to go through the formalities.

Postgraduate entrance examination 10: hand over the house, this is the last link. We must do a good job in the handover of water and electricity properties, as well as the issue of household registration. One carelessness will bring us endless troubles in our later life.

Apply for a house.

Author: 20 16 When you bought that second-hand house, didn't it go well?

Zhou Hao: First of all, I want to thank the landlord. He is a teacher. He was honest and didn't change the price. In addition, I gave him100000 deposit in the contract. If the price changes, he needs to give me 200 thousand. I guess he's a little scared, too But other problems, do you know how I solved them?

Author: How to solve, slowly touch?

Zhou Hao: Take your time. I don't think I can buy it this year.

After you told me, I began to look at the house, but the house is easy to satisfy, but a good intermediary is not. The intermediaries I met in Zhengzhou market are basically unknown in address. Originally, I thought I was unlucky, but after a long time, it turned out that the poor quality of intermediary was a common phenomenon.

Young people who work as intermediaries generally have low academic qualifications, young age, low basic wage income and particularly low awareness of legal risks. If they dare to promise anything, they will know that they are forcing customers to pay a deposit. You were grandpa before deposit, and he was grandpa after deposit.

Later, I thought about it. In order to buy a house that I am satisfied with, I simply took a long vacation of 1 month from the office (law firm) and went to the second-hand house store to apply for a job with my high school diploma. After applying, I attended his induction training, held an early meeting, learned to find a house and bought myself a house. In addition, in that half a month, I also made a deal and earned 4000 yuan, so I was promoted by self-training.

Author: You can earn more than 20,000 yuan a month. Is it worth it? Do you want to save tens of thousands of agency fees?

Zhou Hao: There must be some considerations in this regard. However, the main reason is the quality of the intermediary. In the cases that our law firm accepted, several of them were cheated by two intermediaries. For example, the landlord offered 654.38+00,000 yuan, and he offered 654.38+065.438+00,000 yuan to the buyer, among which he ate 654.38+00,000 yuan except the agency fee. So, perhaps for professional reasons, I naturally don't trust the intermediary.

They said it was cruel to eat the plaintiff and the defendant. But the real estate agent not only ate the plaintiff and the defendant, but also ate the agency fee, which was worse than the big one. In fact, you don't know that even the agency fee still has a lot of water in it. Two days without going to the agency. I don't know.

The charges are opaque.

Author: Isn't the agency fee very clear? Usually 2%. Is it usually hung on the wall at the entrance?

Zhou Hao: It's not that simple. Let me give you an example. Take the two rooms around the West Third Ring Road as an example, with an area of 80 square meters and a total price of 6,543,800 yuan (five pieces). Besides the house payment, you have to pay the mortgage registration fee. Stamp duty, deed tax, value-added tax, individual tax, transaction service fee, registration fee and survey fee are all collected by the state, which is generally not a problem.

However, several fees charged by traditional intermediaries are still very opaque.

Intermediary information fee-usually 2% of the total house price-is the cost of helping you find a house. General intermediaries will not let go, but once customers have competition, such as other intermediaries also have this house and customers, and both sides of the competition will attract customers by meeting, then this fee will be collected by the intermediary and can be discussed. The transfer agency fee-usually 3000 yuan-is the fee for helping you go through the formalities of the Housing Authority. This fee is collected by the intermediary and can be discussed. The loan service fee-65438+0% of the loan amount-is the fee for helping you with the bank mortgage procedures. The fee is charged by the intermediary and can be negotiated. Mortgage fee-0.08% of the general loan amount, charged by the intermediary and negotiable. Appraisal fee-0.5%-is the cost of appraising the company, but it doesn't actually generate that much. Generally, the appraisal company only charges 0. 1%, and some intermediaries will generally stay. Fees are charged by the intermediary, and the excess can be discussed.

So if you find an intermediary, the total cost of an intermediary is 35560+ the total cost of the country and the bank is 10770 = 46330 yuan.

However, do you know the real cost of these jobs? In fact, for property buyers, they only need to pay the national and bank charges 10770 and the appraisal company 1000 yuan. Only this single business can the intermediary get 46330-10770-1000 = 34560.

This 34560 is the income for the intermediary company. I can't say that the rest of the work has no cost, but its cost and benefit are disproportionate and opaque to customers. What does 34560 yuan mean to such a house? It means that half of the money in the bathroom has been taken.

Author: However, can ordinary customers save this money?

Zhou Hao: It's hard. Do you think it's possible to change agents to buy a suite?

If not, it will be difficult to save the money.

Commercial break

However, is it really difficult to save this money?

Actually, it's not difficult at all. There is only one way to save money when buying a second-hand house:

Looking for a house, go to the second-hand house in Mizhai; Go through the formalities and let Mi Zhai do it for you.

In Mizhai.com, all the houses are put up by the landlords themselves, so the quantity is small, but the quality is high.

1. What you see is the listing released by the landlord. Communicate with the owner through WeChat to understand the listing situation. You can talk to the landlord yourself. The information fee of natural intermediary is up to 2%, which is unnecessary.

2. For the houses sent by the landlord, the staff of the second-hand house in Mizhai will conduct a second screening. The year of the house, whether it is mortgaged or not, and whether it is occupied. If you have any questions about this information, you can ask our staff directly.

Once you find the landlord and talk about the basic terms, you can find the staff of Mizhai to handle the agency. If the buyer and the seller make a deal independently, they can also find Mi Zhai as an agent.

We have a principle to do the agency work: reasonable fees, transparent fees and open money.

Stamp duty, deed tax and other national bank charges, you have to pay, which is indispensable.

However, in addition, Mizhai only charges three fees:

Appraisal fee: 0. 1% of the appraisal price, 1 ten thousand, and the appraisal fee is about 1000 yuan (collected on behalf of the appraisal company).

Financial agency fee: 1000 yuan (charged at the bank loan window).

Agency fee: 5,000 yuan, 1 10,000 yuan, 1 10,000 yuan.

There is no charge except these three fees.

If there are other charges besides the above charges, you can directly enter "complaint" and "report" on the service number of Mizhai, and you can report it.

Once the report is true, Mizhai hereby promises:

"This person is either not an employee of Mizhai or will soon become an employee of Mizhai."

Well, our advertising time is over again.

"Mizhai wants to make money, but every piece that Mizhai earns is clear and clean money."

More sharp, objective and in-depth analysis of Zhengzhou property market, group buying activities and humanities education. Please pay attention to the WeChat platform Zhengzhou property market: zzloushi, which is a media.