Don't buy a house if you have money.

Property buyers must first determine their own way of buying a house, whether it is full payment or loan. If it is a loan, how much can the down payment be? After the budget is clear, make a reasonable decision based on your purchase purpose, preferences and the prices of new and second-hand houses. It is better to buy a new house or a second-hand house than to generalize. You should choose the house that best meets your immediate needs.

What are the advantages of buying a new house?

1. From the point of view of the house itself

(1) apartment type

New house: bright bedroom, open kitchen, living room generally pays attention to lighting and ventilation.

Second-hand housing: Some second-hand housing rooms are not bright enough, the living room area is too narrow, and even some old houses have no living room.

Advantages: the apartment type of the new house is more in line with the living concept of modern people.

(2) Appearance

New house: novel appearance, strong sense of modernity and certain visual beauty.

Second-hand house: The architectural appearance is traditional and single, and the architectural style is mainly in the 1990s.

Advantages: the appearance of the new house is better than that of the second-hand house.

Judging from the taxes paid.

New house: there are few types of taxes and fees to be paid, and the calculation method is simple. The taxes and fees to be paid for newly-built houses include deed tax, stamp duty (house exemption) and house maintenance fund.

Second-hand house: There are many kinds of taxes and fees, and the calculation method is complicated. Second-hand houses need to pay taxes such as deed tax, personal income tax, value-added tax and surcharges. The tax collection ratio of various taxes and fees for second-hand houses has a great relationship with the situation of the house itself. Whether it is "full of five" or "full of two" will have an impact on the total amount of taxes and fees that second-hand houses need to pay.

Advantages: Buying a new house requires less tax than buying a second-hand house, and the total tax paid by a new house is less than that of a second-hand house at the same price.

3. From the transaction process.

New house: the process of buying a new house is qualification review-house inspection and house selection-subscription and signing-down payment-loan-house inspection-occupancy. Among them, most procedures such as loans and tax payment are completed by developers.

Second-hand house: The process of buying a second-hand house is qualification review-house inspection and house selection-signing-down payment-online signing-loan-tax payment transfer-mortgage payment-occupancy, etc. The transaction procedures and procedures for buying a second-hand house are complicated, among which the house verification, face-to-face signing and transfer all require my presence.

Advantages: the transaction process of new houses is simpler than that of second-hand houses.

4. Follow-up from buying a house

(1) property right

New house: When buying a new house, the buyer is the first owner of the house with clear property rights. The term of property rights actually refers to the term of land use of houses, and the term of residential property rights is generally 70 years.

Second-hand housing: In the second-hand housing transaction, in many cases, there are many owners of the house. If the property owner does not agree to sell the house, even if it has been transferred, the house can be recovered. The property right of second-hand houses is shorter than that of new houses.

Advantages: New houses have clearer property rights and longer property rights than second-hand houses.

(2) Property

New house: the property facilities are relatively mature, such as greening, security, parking spaces, elevators and other property management is relatively perfect.

Second-hand houses: Because they were built earlier, many second-hand houses do not have perfect and mature property services.

Advantages: the general property service of new houses is better than that of second-hand houses.

What are the benefits of buying a second-hand house?

1. From the point of view of the house itself

(1) Housing quality

Second-hand houses: Most of the second-hand houses are existing houses. Buyers can fully understand the housing situation, such as apartment type, floor, living environment, human conditions, usage, etc., through on-site observation and consultation at the property management office or around the community, thus avoiding various problems in the later period to a great extent.

New house: you can look at rough houses and model houses, but you can't consider the later use and quality of the house.

Advantages: the housing quality and community planning of second-hand houses are more intuitive than those of new houses.

(2) Decoration

Second-hand house: the decoration is convenient, many facilities are ready-made, and some can even carry bags.

New house: it takes a lot of money and energy, and the things used for decoration must be inspected, purchased and built by workers.

Advantages: Second-hand houses are more convenient and simple to decorate than new houses.

2. From the point of view of location

(1) batch

Second-hand houses: There are many second-hand houses in urban areas and popular business districts, with dense traffic network, convenient transportation, strong overall business atmosphere and superior shopping environment.

New houses: Due to the shortage of land in the central area, many new houses are built in the suburbs or beyond, and the location is relatively partial, so the transportation is not very convenient.

Advantages: Second-hand houses are generally closer to popular business districts than new houses, with convenient transportation. If you want to buy a house in a rare location, you may have to buy a second-hand house.

(2) Matching

Second-hand house: The surrounding facilities of second-hand house are perfect, and there are schools, vegetable markets, hospitals and supermarkets nearby, with convenient living and high community maturity.

New house: Most of the newly-built buildings are located in remote places, indicating that their municipal and commercial facilities are not mature enough.

Advantages: Second-hand houses are more mature and complete than new houses.

(3) Optional range

Second-hand housing: property buyers can screen the whole city according to their own needs and affordability.

New house: land approval and construction are generally not in the central area. When buying a new house, the new community is very fixed and the choice is small.

Advantages: Second-hand houses have a wider range of choices.

3. From the perspective of transaction risk

Second-hand housing: Second-hand housing is an existing house, and there will be no "unfinished" phenomenon. Existing homes are sold now, and the quality of the house is clear at a glance.

New house: there is a risk of delivery of faster house, and the reality is inconsistent with the promise, such as shrinking area, delayed delivery, and reduction of green space.

Advantages: Second-hand houses are mostly existing houses, which reduces a lot of risks for buyers.