First, how to buy a new house is more cost-effective?
Generally speaking, it will be relatively cost-effective to buy a new house in the following situations, such as group buying, grasping the profit opportunity at the time of pushing the plate and at the end of the plate, and using the correct bargaining strategy. And the use of appropriate bargaining methods can completely save thousands or tens of thousands of house payments.
1, discount before the opening, most properties have to go through the process of testing the water market before the opening to get a chance to get a discount. Before the opening, the developer is uncertain about the market reaction, and will register the buyer in the early stage, provide a certain price, and finally determine the selling price.
2. The price of the later building is relatively affordable. Weifang gives buyers the feeling that "what is left after picking", but this is not the case. When the sales volume of real estate reaches more than 80%, the developer has made a profit and the project has entered the liquidation sales stage, and the price at this time is more affordable. If you like a real estate, you have to contact more salespeople and pay more attention to promotional information.
3. There may be a discount if you find an owner who has already bought a house. Many properties have preferential policies for old owners to introduce new owners. Although the amount saved is not much for the total price, it is a real benefit for buyers and introducers. This win-win approach can easily lead to cooperation.
4. Group purchase discount for developers. In order to withdraw funds as soon as possible, developers' chambers of commerce and relevant units will hold group purchase concessions, so we should pay close attention to the opportunity. If there is no discount, you can "mix" into the ranks of relatives and friends, or you can participate in group buying online or through intermediary organizations.
Second, how to save money by buying a second-hand house?
The price difference of second-hand houses is very big, because everyone's information is asymmetric, the seller's situation is different, and the same house price will be varied. In this case, it is very important to fully grasp the information.
1, do your homework and shop around.
If you want to buy a house in a certain area, you must be familiar with the overall housing price situation, including different ages, different huxing, different floors and different properties. Fully grasp the multi-party information and look at the house more. You can talk to the owner yourself, or you can talk to several intermediaries for you. For the sake of performance, the intermediary will take the initiative to be a lobbyist for you with the participation of other peers. If the owner is in a hurry to sell the house, if the owner is in a hurry to use money, or has signed a purchase contract and is in a hurry to sell the house, the space of the second-hand house will be much larger. The same house may be lower than the market price 10%, or even more, in order to sell the house faster.
2. Buy a house in full.
On the one hand, it saves a lot of formalities and time, a lot of trouble and a lot of costs; On the other hand, the seller's funds can be recovered quickly, and he can use the money to do other things immediately, especially for the owners who are in urgent need of money, there is a great bargaining space for buying a house in full.
3, full of five
The house is the only ordinary house with the owner as the family unit. If the property right is satisfied for five years, it can be exempted from tax and individual tax in the sale. Take an 80-square-meter ordinary house in Beijing as an example, the original value is 654.38+0 million, and the online signing price is 2 million (subject to the online signing price). Suppose less than two years, you need to pay taxes and surcharges of 6.5438+0.067 million yuan, deed tax of 6.5438+0.89 million yuan, and individual tax of 6.5438+0.367 million yuan. In five years, you only need to pay the deed tax of 1000 yuan, which is 252,300 yuan less than that of the house with less than two years. Of course, these costs are not necessarily borne by the buyer, but they will affect the transaction price to some extent.
Third, try to use provident fund loans.
Whether it is a new house or a second-hand house, when buying a house, you can use provident fund loans as much as possible. The interest rate of provident fund loans for more than 5 years is 3.25%, which is lower than the interest rate of commercial loans for more than 5 years. Suppose the total purchase price is 2 million, the loan is 6.5438+0.2 million, the annual interest of the provident fund is 39,000, and the commercial loan is 58,800, which is 6.5438+0.98 million more than the annual interest of the provident fund loan.
Have you memorized all these suggestions?