Buying a house is the "first time" for most people in their lives. However, as a large purchase that often costs hundreds of thousands or even millions of yuan, most young home buyers do not know much about the process of buying a house. Understanding and lack of experience often leave more or less regrets.

So, how can you grasp the key points when buying a home for the first time and avoid detours as much as possible? The reporter compiled the "Comprehensive Guide to Buying a First-Time Home" in this issue, hoping to provide some reference for readers who are preparing to buy a house.

Preparation: Before buying a house, three major issues must be "faced"

Buying a satisfactory house is the wish of many people, but it is often difficult in the process of buying a house. A lot of problems arise. So, what preparations should buyers make before buying a house? What precautions need to be paid attention to?

Preparation 1: Clarify your home purchase needs and make a good home purchase plan

Xiao Zhu, a citizen who is planning to buy a wedding house, originally only planned to buy a small apartment of about 70 square meters, but regardless of Whether it is the real estate salesperson or the surrounding relatives and friends, they all believe that it is better to buy a house in one step. However, considering the income situation, it is difficult to buy something larger. In addition, Xiao Zhu paid attention to the real estate environment when buying a house, while his girlfriend paid attention to the convenience of living. Due to major differences between the two parties, more than half a year later, there was no progress in buying a house.

House buyers often ask this question, which house is the best now? Where is the best place to buy a house? The same question has different answers for home buyers with different needs.

Therefore, before buying a house, you must carefully weigh what is your most urgent need at the moment. Rational and planned consumption is the prerequisite for buying a house. You should weigh the overall situation and prioritize, and determine the property that suits you based on your income and other actual circumstances.

Preparation 2: Choose the loan method and reduce the loan pressure

When choosing the loan term, in order to reduce interest expenses, Ms. Zhang, a citizen, chose a shorter loan term. However, due to changes in family jobs, the family's monthly income has recently dropped sharply to about 5,000 yuan. Since then, after deducting the monthly bank loan, Ms. Zhang’s family’s disposable income is less than 2,000 yuan per month. To this end, Ms. Zhang applied to the bank to extend the loan period and reduce the monthly repayment amount.

Industry insiders said that one-third of a family’s monthly income is the warning line for mortgage repayment. If this warning line is exceeded, there will likely be greater risk of loan repayment and even affect the family’s life. quality. Generally speaking, when consumers purchase a house with a loan, a repayment period of about 20 years is more appropriate. If the loan term is too short, the repayment pressure will be correspondingly greater, which will bring a burden to daily life if changes occur in the future. Therefore, consumers must correctly choose the appropriate repayment period based on their own circumstances.

In addition, when considering the loan amount and term, the decision cannot be made solely based on the current income standards. It should be forward-looking and consider some practical problems that the family may face in the future, such as retaining a certain amount of money. Save money to prepare for emergencies such as unemployment, pension, medical care, education, etc.

Inspection Chapter: Multiple inspections will help you buy a "safe house"

With a clear home purchase plan, home buyers usually set a home purchase goal after several viewings. In a smaller scope, at this time, if the home buyers can investigate and fully understand the developer's strength and property supporting facilities and other additional information, it will help the home buyers choose a "safe house" that is more suitable for them.

Inspection 1: Strength of developers

House buyers can choose some well-known brand real estate companies or developers that have developed high-quality brand properties. Such companies often attach great importance to credibility. The degree is higher, and the possibility of quality problems in the later houses is relatively small.

In addition, home buyers can also inspect developers in some more intuitive ways. For example, go to the previous projects developed by the same developer and learn about the quality of the properties, property management services, property ownership certificate processing and other relevant information from some old owners, or log in to the "Owner Forum" of the local real estate information website to see who has purchased the property. Various evaluations of real estate properties and developers.

Inspection 2: Real estate supporting information

Before purchasing a house, you may wish to learn more about the supporting facilities of the real estate and community, including comprehensive facilities such as schools, kindergartens, clubs, supermarkets, banks, and farmers’ markets. , and should understand the construction density (floor area ratio) of the real estate and community to judge whether the environmental standards of the real estate and community meet their own requirements.

In addition, parking spaces are also important content that should be understood. If necessary, relevant information and written commitments should be obtained.

In the implementation chapter, sign a good contract and take the "initiative" of buying a house

When buyers sign a commercial housing sales contract, due to the information asymmetry between the buyer and seller in terms of professional knowledge, it will lead to problems in the later stages. In the performance of the contract, it is in a passive position. So, what issues should buyers pay attention to when signing a home purchase contract?

Note 1: There are many problems with area errors

Disputes over area of ??house purchase have always been a hot issue. Therefore, when signing a house purchase contract, home buyers must pay great attention to the solution to the error in the area of ????the house. .

Real estate purchase tips: In order to avoid unnecessary disputes over home purchase, it is best not to choose a self-agreed method when signing a home purchase contract. If the two parties agree on their own, most developers will agree that "the area approved by the property rights department shall prevail, and more refunds and less compensation will be made." Home buyers often think that no one will suffer if "more refunds and less compensation", and they ignore the error in the area of ??the house. Agreement, but everyone knows that following this agreement may lead to unnecessary house purchase disputes. Because once the agreement is made based on "the area of ??the house approved by the property rights department, more will be refunded and less will be paid", no matter how big the deviation is in the area of ??the house, the home buyer will have no choice but to "eat the money".

Note 2: Clearly agree on the delivery conditions

Mr. Xu, a citizen, refused to take over the house because the developer failed to provide a fire protection opinion letter for the construction project. According to the contract signed by both parties, the delivery condition is that "the commercial house passes the inspection and acceptance." Mr. Xu believes that passing the acceptance inspection of a commercial building requires not only obtaining the project completion acceptance report, but also passing the fire protection acceptance inspection before it can be delivered for use. The developer believes that the "acceptance and acceptance" stipulated in the contract refers to the quality acceptance of the project. That is to say, the property can be delivered for use after obtaining the project completion acceptance report.

Tips for home buying: Many developers are now very vague about the acceptance of housing when signing housing contracts with buyers. As happened to Mr. Xu, because the contract did not specify which areas were qualified for acceptance? Where did it pass the inspection? Therefore, developers can completely muddle through. In order to avoid similar problems from happening again, home buyers should ask the developer to provide a more clear agreement on this clause when signing the contract. At the same time, in the house purchase contract, both parties should also clearly agree on the specific form of notice of handover.

Note 3: File the contract in a timely manner after signing the contract

Many home buyers believe that as long as the house purchase contract is signed, the house is theirs, so they ignore the filing and registration of the house purchase contract. This may lead to the risk of selling the first house and the second house you purchased.

Tips for home buying: The purpose of filing and registering commercial housing pre-sale contracts is to reduce commercial housing pre-sale disputes and protect the legitimate rights and interests of home buyers. However, in the actual operation process, many developers still fail to complete the filing and registration within the prescribed time, and many home buyers have a weak awareness of contract filing and registration, and do not know the importance of filing and registration, let alone the Developers should be urged to complete registration in a timely manner. This has led some developers to take the opportunity to mortgage or repeatedly buy and sell houses. Therefore, in order to effectively protect their rights and interests, buyers must promptly urge the developer to complete the registration process after signing the purchase contract.

Note 4: The property management contract cannot be ignored

Which property management services fall within the scope of additional charges? As an owner, what rights and obligations do you have while enjoying property management services? These are clearly stated in the property management contract (agreement).

In property management activities, the contract plays a very important role. It is the basis and standard for property management. In fact, many owners currently sign pre-property management agreements with property management companies when closing houses. The real property management contract should be after the owners committee is established, and the owners committee represents the interests of all owners and the property management company. Signed.

(The above answer was published on 2016-12-13, please refer to the actual current relevant home purchase policies)

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