Remember! Don't let yourself regret buying a house in 8 steps.

There is a link in the sketch "The Hour Worker" full of jokes. "How many steps does it take to put an elephant in the refrigerator?" Answer: "three steps, the first step, open the refrigerator door;" The second step is to put the elephant in, and the third step is to close the refrigerator door. " Although the scene in the sketch is just a joke, in reality, you need to do a lot of preparation before buying a house, verify the authenticity and check the quality. Let's hear the story of Bian Xiao. ...

How many steps does it take to buy a house?

The first stage: determine the purpose of buying a house

In order to buy a house for self-occupation, priority can be given to suburban houses with convenient transportation. The price is not expensive, and commuting can also guarantee travel.

In order to invest in buying a house, we should focus on the surrounding facilities. Mature commercial facilities make the house easier to rent.

The second stage: buying a new house or a second-hand house

The advantage of the new house is that the down payment is small and the house is brand-new; The disadvantage is that the location is far away and the supporting facilities need to be improved.

The advantage of second-hand houses is that they are fully equipped and can be used to carry bags. Disadvantages are the old house, high price, low loan amount and high down payment ratio.

Stage 3: Prepare funds.

1, down payment

Generally, a down payment of 20%-25% is required for the first suite, 30% for the first-tier cities and 30% for the second suite.

2, taxes and fees

New house taxes include deed tax, house maintenance fund, early property management fee, real estate registration fee, area replenishment (overpayment and underpayment) and stamp duty.

Second-hand housing generally needs to bear intermediary commission, deed tax (the city needs to distinguish between the first suite and the second suite) and individual tax (the only house with no more than five sets).

3. Decoration expenditure

The decoration cost is decided by the owner.

The fourth stage: choose real estate.

Property buyers should give priority to the properties of big brand developers, who use resources more rationally and have more complete supporting facilities.

Stage 5: Supporting facilities

Supporting facilities are very important, and the ideal residential area should at least meet the following requirements: there are perfect facilities needed for daily life within 3 kilometers. Such as vegetable market, medium-sized supermarket, bus station, subway station and so on.

The sixth stage, determine the housing area.

(The above answers were published on 2016-11-28. Please refer to the actual purchase policy. )

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