The prerequisite for developers to sell new houses to 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.

2. The down payment for buying a house 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 due to the different loan amount.

For example, if you buy 1 10,000 new houses and second-hand houses (if the evaluation 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 second-hand houses is 440,000, namely [100-80× (1-30%)]. 80× (1-30%) means that the loan amount of the second-hand house is 70% of the appraised price. Since the total house price is 1 10,000, 1 10,000 minus the loan amount is the second-hand house down payment.

3. The loan term is different.

The loan life is influenced by many factors, the common one is the lender's age. Some second-hand houses are too old and will limit the loan period when buying a house.

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.

4. The taxes and fees for buying a house are different.

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 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.

5. The transaction subjects and processes are different.

New houses are mainly transactions between buyers and developers, while second-hand houses are transactions between buyers, sellers and intermediaries.

The new house transaction process is relatively simple, while the second-hand house transaction process is more complicated.

6, the length of the room is different

The age of the house is calculated from the date of completion of the house. Therefore, new houses are relatively young, while second-hand houses, especially some old second-hand houses, are relatively old.

The older the second-hand house, the lower the living comfort. In addition, the maintenance cost of second-hand houses with old houses is relatively high.

7. The delivery time is different.

If the new house you buy is an auction house, you need to spend a long time waiting for the delivery; The existing house you bought, like the second-hand house, can be handed over quickly.

8. 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 property.

9. The difference between residential areas and houses themselves

(1) Decoration degree

New houses are generally rough houses or hardcover houses.

Second-hand houses on the market include rough houses, simple houses, hardcover houses and luxury houses.

Buying a decorated second-hand house, if you are not satisfied with the decoration, you need to knock off the original decoration and renovate it, which is more troublesome.

② Huxing structure

Old second-hand houses are not as novel as new ones in terms of apartment structure.

③ Various supporting facilities

Buying a new house, the planning of the community, worried that developers are difficult to cash, and the surrounding facilities are relatively imperfect.

When buying a second-hand house, you can look at the real thing, the environment of the community and so on. The surrounding facilities are also complete, and the residential environment is relatively mature.

Buying a new house and buying a second-hand house are very different in terms of purchase cost, transaction process, purchase risk and matters needing attention. Whether to buy a new house or a second-hand house, buyers can decide according to their actual situation and preferences.