2. Nature of the house: apartment, attic, etc. Mainly commercial, water and electricity are all commercial, and there is generally no gas or heating.
3. Ordinary residence: refers to the residential residence built according to the standard of ordinary civil residence. Senior apartments, villas and resorts do not belong to the category of ordinary houses.
4. Commercial and residential housing: it is an extension of the concept of SOHO (home office) housing. It belongs to residence, but at the same time, it integrates many hardware facilities of the office building, especially the developed network function, so that residents can engage in business activities while living.
5. Purchase conditions: There will be more restrictions on commercial housing, such as hukou, social security and tax payment certificate. Apartments and LOFT are generally not needed, and they are basically not within the scope of purchase restriction.
6. Payment terms: the first low down payment ratio of commercial housing is 20%-30% of the total price, and the down payment ratio of non-first suite is higher, and the longest mortgage period can reach 30 years; There is no difference between the first set of apartments and LOFT and the non-first set. The down payment ratio is generally 50% of the total price, and the longest mortgage period is 10 year.
7. Existing house: refers to the commercial house that the developer has completed the house ownership certificate (property right card) and can move in and obtain after signing the commercial house sales contract with consumers. Only a real estate license and a land use certificate can be called an existing house. The existing house in the usual sense refers to the house that can be occupied after the project is completed.
8. Quasi-existing house: refers to the house whose main body has been basically capped but has not been completed and accepted, the general outline of buildings and facilities in the community has begun to appear, and important factors such as room type and building spacing are clear at a glance, and the project is in the stage of interior and exterior wall decoration and supporting construction. (However, the nature of this kind of real estate still belongs to the auction house, and the government manages it according to the auction house, and it needs to apply for a commercial housing sales license to sell it. )
9. Forward delivery house: refers to the house under construction, which has not been completed and cannot be delivered for use. In other words, the commercial housing in this period is called faster, and consumers should sign pre-sale contracts when purchasing commercial housing at this stage. At present, the new houses on the market are basically faster. Under normal circumstances, the price of auction house is relatively low, and there is a large choice. However, because the house is delivered after payment, the process and result of consumption depend on the performance of the rights and obligations stipulated in the house purchase contract, and the performance of the house purchase contract is not only affected by the developer's own operation, but also restricted by many objective factors.
10. Rough house: A house delivered by a real estate agent with only the door frame but no door, and the walls and floors only have basic treatment but no surface treatment is called a rough house.
1 1. Finished house: refers to the decoration of walls, ceilings, door covers and floors.
(1) The interior wall is common enamel.
(2) The living room floor is made of ordinary tiles.
③ Ordinary aluminum alloy window
Ordinary plywood door
12. The height and floors of civil buildings are divided into: 1-3 floors are low-rise houses, and the products are mainly single-family villas, single-family villas and townhouses. The 4th-6th floors are multi-storey houses, and the products are mainly stacked villas and garden houses (some of them have the concept of large flat floors). The 7- 10 floor is a medium-high-rise residential building (also known as a small high-rise building). In many cities, houses below 18 floor are also called small high-rise buildings. About 1 1-30 floors are high-rise buildings; More than 30 floors are super high-rise buildings. Small high-rise buildings and high-rise buildings are generally ordinary houses, and super-high-rise buildings are generally urban luxury houses.
13. Affordable housing: refers to the housing provided by the government for families with housing difficulties with limited standards, limited prices or rents, and generally consists of low-rent housing, affordable housing, policy rental housing and directional resettlement housing. This type of housing is different from the commercial housing whose price is completely formed by the market. Affordable housing can be transformed into commercial housing under certain conditions.
14. Five certificates of real estate: construction land planning permit, construction project planning permit, building construction permits, state-owned land use permit and pre-sale permit of commercial housing. Developers are not allowed to sell until they get five certificates. Generally, there will be subscription behavior (one is that the developer makes an appointment with the buyer without obtaining the pre-sale certificate, and the transaction is officially completed after obtaining the pre-sale certificate. That is, in the absence of a formal sales license, developers and property buyers reached a purchase agreement. Also known as subscription, reservation and reservation. )
15. The "second book" of real estate refers to the new residential quality guarantee and instruction manual required by the Ministry of Construction to strengthen the quality management and supervision of commercial housing.
16. Qualification for purchasing a house: the conditions in different cities are different, so it is necessary to adapt to local conditions. At present, we can pay more attention to the local talent introduction plan. In fact, it is a trick to liberalize the purchase restriction as much as possible.
17. capital situation: there is a relatively clear concept of down payment ratio and monthly payment.
18. Analysis of housing demand: settle down first? Child education? Work closer? Improve? Investment and so on. After clarifying the above problems, we should then investigate and select products on the market. Buying a house is to weigh the capital, brand, location, supporting facilities, apartment type and property, and choose according to your own situation.
19. Intentional money for buying a house: There is no such thing as "intentional money" in national real estate-related laws and regulations, which is either a down payment or a down payment.
20. Gift area: When buying a house, the metropolis gives away some area, such as a balcony. Balcony can be divided into two types: enclosed balcony and semi-enclosed balcony. The closed balcony should be counted, and the semi-closed balcony has only half the area. The more semi-closed the balcony, the more valuable it is.
2 1. Residential clear height: refers to the distance between the lower floor surface or the upper floor surface and the lower surface of the upper floor.
22. The studio of a house refers to the actual distance between one wall and another wall in the house.
23. Living length and depth: refers to the actual length of an independent house or residential building from the front wall to the back wall.
24. The height of a residence: refers to the distance between the lower floor surface or the floor surface and the upper floor surface.
25. Repayment methods of individual housing loans: divided into two types: equal principal repayment and equal principal and interest repayment.
26. First-home discount: if the spouse buys a house and the loan is not paid off, the other party is still counted as a second home, and can't enjoy various preferential policies for buying a house for the first time.
27. What public areas should be shared: The shared public building area includes indoor and outdoor stairs, internal and external corridors, public foyer, passageway, elevator, power distribution room, equipment floor, equipment room, structural transfer floor, technical floor, air-conditioning room, fire control room, duty toilet serving the whole floor, garbage in the building, stairwell of enclosure structure protruding from the roof, elevator room, water tank, etc. ?
28. What public areas can't be shared: The public areas that can't be shared include motor vehicle garages, non-motor vehicle garages, public open spaces, urban public passages, arcades along the street, and underground fire shelters; Power distribution rooms of multiple buildings; Civil air defense basement, ground garage, underground equipment room, etc. ?
29. usable area in the suite: refers to the area used by the residents alone in the suite, generally including the sum of the net areas of bedroom, kitchen, bathroom, hall, living room, inner walkway, balcony and closet.
30. Bank mortgage: Mortgage is a Cantonese transliteration of the English word "mortgage". Therefore, the correct name of bank mortgage is house mortgage loan, that is, with the property right of the house purchased by the buyer as collateral, the bank pays the house price to the developer first, and then the buyer pays the principal and interest to the bank in monthly installments. ?
3 1. provident fund loan: provident fund loan, that is, personal housing guarantee entrusted loan, is a loan issued by the urban housing fund management center and its sub-centers to depositors and retired employees who entrust banks to purchase (including construction and overhaul) self-occupied housing with housing reform funds.
32. Conditions for applying for housing provident fund loans: Only those who have continuously paid housing provident fund for more than 6 months or accumulated provident fund 1 year are eligible to apply, and the policies of each city may be different.