1. Don’t buy a house blindly. You must have your own judgment, buy when you should buy, and don't wait and see. No matter how real estate is regulated, it is better than putting money in banks with negative interest rates.

Remarks: On the other hand, when you shouldn’t buy, don’t buy a house because everyone is saying that houses are going to rise. Be rational and make a decisive move if you think it’s suitable for you. Don’t calculate the bottom, just like buying stocks. Same, if you are not a professional, you will never be able to get to the bottom. Don't try to beat the market, the stock market, the real estate market, the principle is the same.

2. When buying second-hand houses, try to find a larger intermediary. A small agency rents a storefront, a few desks, and a computer, but its total assets are only around RMB 100,000. How can it guarantee a client a multi-million dollar housing contract?

What is the process of buying a house with a loan

1. Start preparing to buy a house. When buying a house, you must first estimate your actual purchasing power based on your financial strength, repayment ability, etc., and determine the location, area, price, floor, orientation, etc. of the house based on your work and life needs.

2. Select housing. This step is a continuation of the preparation work. It can be inquired from newspapers, TV, the Internet or related real estate websites. Home buyers need to combine the advantages of the three media to comprehensively and carefully examine the housing information.

3. On-site viewing. House selection is a highly technical job. Before choosing a house, you need to understand the basic knowledge of floor area ratio, greening ratio, shared space, and apartment type. If you are buying an existing house, you can intuitively see the structure and floor plan of the house. However, if you are buying an off-plan house, you can only use the floor plan as a basis for house selection. At this time, home buyers must learn to read floor plans. Generally speaking, when choosing a house, you should consider whether to buy a house from six aspects of the house. The six aspects include: location, price, surrounding municipal planning, environmental supporting facilities, house structure and orientation, and property management.

4. Negotiate and sign the sales contract. After the target is determined, the negotiation stage of substantive contact with the house seller begins. Negotiating and signing a sales contract is the most important step in the home purchase process. Buyers and sellers must put their rights and obligations into words, especially key terms such as the area of ??the house, payment method, and property condition.

5. Apply for a loan. Currently, commercial loans can be applied for second-hand houses. Comprehensively consider the loan amount, term, etc. based on your own financial resources and the various conditions of the house you are purchasing. The intermediary company will assist in handling the loan procedures in accordance with the relevant regulations of the bank.

6. Handle property rights transfer. The original seller's name needs to be changed to the new home buyer's name. All relevant information must be prepared under the guidance of the intermediary company, and then the warrant personnel will assist in the property transfer procedures.

7. House inspection and check-in. During the home inspection and move-in, you must pay off the water, electricity, gas, cable TV, heating, property fees and other expenses of the purchased house. Both the buyer and seller and the intermediary company must sign the property delivery document for filing.