If you plan to buy a second-hand house, you must first understand the quality of the house and find a regular company to evaluate the house. This will be more beneficial to your own interests. If you want to buy a second-hand house, , we need to understand the property rights and quality of the house in advance. So what is the gap between the appraisal price and the transaction price of the second-hand house? What are the factors that affect the price of second-hand houses? Let me introduce it to you below.
What is the difference between the appraisal price and transaction price of second-hand houses?
If the transaction price of a second-hand house is different from the bank's appraisal price: if the actual transaction is paid according to the transaction price, the bank loan limit will be applied for a loan based on the transaction price; if the transaction is based on the bank's appraisal price, the transaction will be based on the bank's appraisal price. , and apply for a loan amount. The excess down payment cannot be reversed. The bank's appraised value determines the loan amount of the house. The higher the appraised value of the house, the higher the loan amount and the higher the down payment.
What are the factors that affect the price of second-hand houses?
1. The impact of location and transportation on housing prices
Evaluating the level of second-hand housing prices is first determined by the location of the house. For a city, properties located in prime urban areas , every inch of building must be expensive. In the limited space of the city, the prime location in the central city is a scarce resource. Whoever owns it means that whoever owns it can enjoy convenient transportation resources, complete commercial supporting resources, mature living supporting resources, etc., and the housing prices are self-evident. Under normal circumstances, the price difference between second-hand houses in the city center and second-hand houses in the suburbs can be hundreds or even thousands of yuan per square meter. In addition, the impact of traffic conditions on housing prices cannot be ignored. Now more and more office workers tend to buy houses with convenient transportation. The most important reason is that they value the convenience of travel, but places with convenient transportation do not necessarily mean housing prices are out of reach. , when evaluating such properties, the impact of the noise caused by transportation as well as the sanitary conditions, air quality and other related factors around the property on the living environment of the house should also be comprehensively considered.
2. Comparison of the prices of second-hand houses and commercial houses in the same location
The prices of second-hand houses and commercial houses in the same location are not affected by geographical location and transportation factors. The main difference is It is determined by the age and layout of the house. Compared with commercial houses of the same floor, orientation, and area, second-hand houses that are more than five years old have lower housing prices than commercial houses due to certain differences in house type and community environment. Generally, the price difference is about 1,000 yuan/square meter; house age Second-hand houses within five years old are not far behind commercial houses in the same situation in terms of house type and community environment. Sometimes, because second-hand houses within five years have advantages such as fashionable decoration and mature communities, the price gap between them and commercial houses is also small. Not big.
3. Living environment and property management
Living environment is a key issue that countless home buyers consider before purchasing a house. It is also an important factor in judging the level of housing prices. In a large number of real estate advertisements, it is not difficult to find some words such as "close to the mountains, close to the lake, close to the water, etc." A good ecological environment has become a major selling point for businesses to build new commercial housing projects, so the good environmental value is also directly reflected in On house prices. Similarly, the evaluation of second-hand housing prices will also fluctuate depending on the quality of the living environment. For second-hand houses, if there are mountains, water, flowers, and grass in the community, it will definitely improve the comfort of living in the house, and the housing prices will naturally It will be slightly higher than the average residential area. On the contrary, if there are facilities such as garbage dumps, substations or chimneys around the house that reduce the quality of the living environment, the price of the house where it is located will be greatly reduced.