What preparations do you need to make to buy a house?
1. Understand the average house price in this region: the house price is different between different regions, because the location, facilities and other factors are important factors in determining the house price. Therefore, before buying a house, buyers can refer to the housing prices in various regions of the city, and finally choose to buy a house in a certain region according to their own economic strength. Generally speaking, housing prices will be high in prosperous urban areas or areas with perfect development and convenient transportation.
2. Determine the housing area: the size of the housing area will affect the total price of the house. When determining the housing area, buyers need to calculate the acceptable total housing area according to the housing prices in this area. In addition, housing prices in many cities are relatively high now, so it is best for buyers to compare huxing, floors and living environment and choose a good house, which is worth the money.
3. Assess repayment ability: Most people who buy houses now need to buy houses through loans, so buyers who buy houses through loans should pay attention to down payment and monthly payment. If the down payment ratio is higher, there will be less monthly payment in the future. On the contrary, the lower the down payment ratio, the greater the monthly pressure. Therefore, before buying a house, buyers should not only reasonably plan their current economic ability to pay the down payment, but also make expectations for future income to avoid excessive repayment pressure in the future.
4. Reserved decoration expenses: After buying a house, the first thing to consider is the decoration expenses. For most property buyers, this is also a big expense. Therefore, before buying a house, buyers should count the decoration expenses in the total expenditure of buying a house. In addition, the pipeline gas and cable TV installation fees that need to be paid after the house is closed and renovated can also be considered in advance, and the overall purchase budget can be made well.
5. Calculate various taxes and fees: Generally speaking, the taxes and fees to be paid for buying a new house include deed tax and housing maintenance fund. If it is a second-hand house transaction, the taxes and fees to be paid include deed tax, value-added tax, personal income tax and agency fee. Whether buying a new house or a second-hand house, taxes and fees are a large part of the expenditure, so it must be taken into account in the purchase budget.
6. Property fee: After the buyer chooses a house, he needs to sign a house purchase contract. When the developer delivers the house, the buyer will start to pay the property fee, which mainly includes the greening maintenance, elevator maintenance and community security of the residential property company. Under normal circumstances, the property fee is paid every year, which is also a big expense in the process of buying a house, so it is necessary for buyers to know the details of the residential property fee before buying a house.