Stock houses refer to houses that have been purchased or built by themselves and obtained ownership certificates. It mainly includes five blocks: the property developed by the developer in the later period, the house mortgaged by the developer to the bank, the house in the hands of the creditor, the house in the hands of the unoccupied individual, the house sealed up by the court and the house in the hands of the intermediary agent. Strictly speaking, they are stock assets.
The interest rate of the first housing stock refers to the proportion of users who borrow money to buy the first housing and obtain the property right certificate, and the lending institution charges interest to users. Because the interest rate of the first home loan is much lower than that of the second home loan, people use this name to distinguish it.
For the first home loan interest rate, banks generally take the benchmark interest rate of central bank loans as the implementation reference, and verify the actual interest rate in combination with the bank's operation and the borrower's credit situation. The floating space is generally between 0-30%.
Problems needing attention in purchasing stock houses
1. property right: to buy a stock house, you must first understand the property right of the house, confirm whether the property right certificate of the house is complete, and whether there is any dispute or controversy, so as to avoid buying a house with questionable property right.
2. Building structure: carefully check the structure, wall, roof and other parts of the house to find out the age of the building, whether the structure is firm, whether there are cracks, water leakage and other issues, so as to avoid buying a house with potential safety hazards.
3. Surrounding environment: Understand the surrounding environment, transportation and facilities, and avoid buying houses with inconvenient transportation and imperfect living facilities.
4. House value: It is necessary to evaluate the market value of the house, understand whether the price of the house is reasonable, and avoid buying a house with an inflated and unreasonable price.