What should I know about buying a house?

For buying a house, whether it is a new house or a second-hand house, it must be carefully considered before it can be started. Therefore, when buying a house, Xiaobai must know the following aspects in advance to avoid stepping on the pit.

First, confirm the reliability of property rights.

1. Pay attention to whether the owner and the seller on the property ownership certificate are the same person;

2. Whether the area confirmed by the property right certificate is inconsistent with the actual area;

3. Be sure to check the original title certificate and check the authenticity of this title certificate with the Housing Authority.

Two, investigate whether the original unit is allowed to resell.

1. Confirm whether the public housing purchased at the standard price has been paid at the cost price or distributed to the original unit in proportion;

2. When most public houses are restructured, the original unit reserves the priority to buy back, and it is necessary to confirm whether the original unit agrees to transfer;

Generally speaking, the public houses produced by the army, hospitals and schools must be sealed by the original unit before they can be sold.

Third, check whether there is a private part.

1. Whether there are platforms and corridors occupying the roof; Or whether there is a small attic in the house;

2. Whether there are any changes in the internal and external structure of the house, such as changing the balcony into a bedroom or kitchen and dividing one room into two;

3. Is the balcony closed by the owner himself? This involves how to calculate the balcony area.

Fourth, confirm the exact area of the house.

1. Including building area, usable area and actual indoor area;

2. The real estate license will generally indicate the construction area;

The insurance method is to measure the area of the house from one corner to another, which is called the carpet area.

Five, observe the internal structure of the house

1. Whether the apartment type is reasonable and has all the shortcomings of being suitable for living;

2. Whether there are too many pipelines and the wiring is unreasonable;

3. Whether there are signs of water seepage in the ceiling and whether there are obvious cracks or peeling on the wall.

Sixth, the evaluation of housing municipal facilities

1. Turn on the tap and observe the water quality and pressure;

2. Turn on the TV to see if the image is clear and you can watch several programs;

3. Confirm the power supply capacity of the house to avoid the phenomenon that the air conditioner cannot be turned on in summer;

4. Observe whether the indoor and outdoor wires are aging;

5. Connection of telephone lines, whether ordinary telephone lines or ISDN telephone lines;

6. Whether the gas connection has changed;

7. Is there hot water supply in the community, or is there a water heater in the house itself?

8. The supply and charge of heating in winter, whether the number of radiators is enough, and whether the heating temperature is enough.

Seven, understand the decoration situation.

1. Whether the original house is decorated, the level and degree of decoration, and whether it needs to be completely destroyed;

2. Understand the internal structure diagram of the house, including the pipeline direction and the location of the load-bearing wall, so as to redecorate.

Eight, check the level of property management

1. How to collect water, electricity, coal and heating fees, whether at home or by yourself, can't leave home;

2. Observe the brand, speed and management of elevators, and observe the cleanliness and layout of public corridors;

3. Whether the community is closed, what is the security level, and observe the number and sense of responsibility of security personnel;

4. How is the greening work in the residential area? What services does the property management company provide?

Nine, understand the future cost of living.

1. Prices of water, electricity, coal and heating;

2. The collection standard of property management fees;

3. the cost of parking spaces.

X. trace the history of the old house

1. What year was it built and how long is the land use period?

2. Who lives there, what background and what purpose;

3. Is there any bad thing happening, is there anyone who owes money, and is there any theft?

4. Whether the fees owed to the property management company, as well as the fees for water, electricity, coal and heating.

Eleven, understand the combination of neighbors.

1. Good neighbors will make your life happy. Choose different times to watch people come and go in the community, and judge people's social class through clothes and life rules;

2. Visit the upper, lower, left and right neighbors to find out whether they are comfortable living here;

3. Talk to the staff on duty in the neighborhood committee or reception office to understand the situation.

Twelve, calculate the house price

1. I judge the value of the house by repeatedly comparing the public houses in the market;

2. Entrust a trustworthy intermediary company or evaluation agency to conduct evaluation;

3. When the bank provides mortgage, it will make a hedging evaluation, which can be regarded as the low hedging price of the house.

Thirteen. Conditions for mortgage of second-hand houses

1. At least 18 years old, with urban hukou, both local and foreign;

2 can provide proof of stable income to pay principal and interest;

3. Willing to use the house for sale as collateral, or being able to provide other eligible mortgages;

4. The ownership of the purchased house is true and reliable;

5. Pay relevant handling fees.

Fourteen, hire a lawyer.

1. The situation of buying and selling second-hand houses is more complicated than that of commercial houses, and it is more reliable to have lawyers to provide advice and reference;

It is suggested to invite lawyers familiar with the business as comprehensive consultants as far as possible.

Fifteen, looking for a correspondent bank

1. The second-hand housing information of institutions is more comprehensive than that of individuals, but at present, the accuracy of the information needs to be verified;

2. Before handing over your business to the correspondent bank, you should know: What services does the correspondent bank provide? Can I help you with the second-hand house mortgage? If there are problems in the process of buying and selling, does the correspondent bank have the obligation and ability to compensate for the losses? What is the service fee standard of the agent bank? Can you guarantee to buy a satisfactory second-hand house?

Sixteen, investigate whether the agency is reliable.

1. A valid business license issued by the local industrial and commercial bureau and an intermediary qualification certificate issued by the local housing and land administration bureau;

2. The qualification certificate is issued by the industry management department and plays a more important role in ensuring the reliability of the correspondent bank.

Seventeen, keep abreast of changes in policies, procedures and costs.

1. Pay attention to the new news in the newspaper;

2. Consulting lawyers and intermediaries;

3. It is reliable to consult relevant housing management departments and keep abreast of new information.

18. Whether the property right is complete.

1. Confirm the integrity of the property right, whether there is mortgage, * * * someone, etc. You know, even in Hong Kong with perfect laws, such disputes will occur.

2. I can only trust my eyes. After I finish my account, I must transfer the house payment to the original householder.

Nineteen. Be careful about the handover of house payment and property right.

1. Don't trust each other's reputation casually. It is an important question whether to pay first and then transfer or transfer first and then pay.

2. You can consider putting the house payment in a unit that both parties can trust, such as a law firm or a reputable intermediary agency, and then transfer the house payment to the seller's account after the transfer is completed.

Twenty, to ensure the smooth transfer of property rights.

1. Only after the local housing and land administration has completed the property rights, can the transfer formalities be handled. There are agencies, lawyers, notarized guarantees, etc. Not a complete transaction process;

From the perspective of buying a house, this suite really belongs to you only after the end of property rights. Before this, the seller can break the contract at any time.