Today, we will discuss the great difference between second-hand houses and new houses. What is the difference between second-hand housing and down payment and interest rate?
Let's be specific.
First place. Different trading terms
The prerequisite for developers to sell new houses to property buyers is that developers need to obtain five certificates and two books. The prerequisite for the second-hand house owner to sell the second-hand house is to obtain the real estate license of the house and settle the loan before the house can be listed and traded.
The risk of buying a house is different.
If the new house you buy is an auction house, the main risks are the delay in delivery, the developer's change of planning, the unfinished property and the quality of the house. The main risks of second-hand housing come from the housing itself, the intermediary and the seller; For example, if you buy a haunted house, the operation of the intermediary is not standardized, or the seller is not the real owner of the house property.
Second, the down payment is different from the loan amount.
The down payment ratio of new house and second-hand house is the same, but in the actual transaction process, the net down payment of buying a house is different because of the different loan amount. For example, if you buy 1 10,000 new houses and second-hand houses (if the appraised price of second-hand houses is 800,000), the down payment ratio is 30%. The down payment for the new house is 300 thousand. The down payment ratio of the second-hand house is 440,000, which means that the loan amount of the second-hand house is 70% of the appraised price. Since the total house payment is 6,543.8+0,000, 6,543.8+0,000 minus the loan amount is the down payment of the second-hand house.
The term of the third loan is different.
The loan life is influenced by many factors, the common one is the lender's age. Some second-hand houses are so old that when buying a house, the loan period will be limited. For example, a 25-year-old young man can borrow money to buy a new house for 30 years; But if you buy an older second-hand house, you may only be able to borrow for 20 years.
Different taxes and fees for buying a house
The new house mainly needs to pay taxes such as deed tax, house maintenance fund, one-year property fee and heating fee. Second-hand houses have different taxes and fees because of the different length of time to get the real estate license. ① Houses with real estate license less than 2 years: mainly taxes and fees such as deed tax, value-added tax, individual tax, loan guarantee fee and agency fee. ② Houses with real estate license for 2 years: mainly taxes and fees such as deed tax, individual tax, loan guarantee fee and agency fee. ③ The only house with a house age of more than five years: mainly taxes and fees such as deed tax, loan guarantee fee and agency fee. In contrast, the tax on new houses is much lower than that on second-hand houses.
abstract
Buying a house is a big deal, so be careful.