1, different loan years
The loan cycle of new houses is long, while that of second-hand houses is relatively short.
The longest loan period for a new house is 30 years, but the loan period for a second-hand house is limited by the age of the house, and it is often not available for 30 years. The older the second-hand house, the shorter the loan period. If the purchased second-hand house is over ten years old, the loan period is generally 20 years.
2. The down payment is different from the loan amount.
New house: the general down payment is calculated by multiplying the total price of the new house by the corresponding down payment ratio. The maximum loan amount can reach 70% or 80% of the total house price.
Second-hand housing: down payment and loan amount are affected by the appraised price of second-hand housing. Generally, the evaluation price of second-hand houses is lower than the market price, which is 80%-90% of the market value of second-hand houses, and some houses will be lower.
Second-hand housing loan amount = appraisal price-appraisal price * down payment ratio
Second-hand house net down payment = transaction price-loanable amount
For example:
① Xiaoming buys a new house 1 10,000 yuan. If the down payment ratio is 30%, the down payment is 300,000, and the loanable amount is 700,000.
② Xiaoming bought a second-hand house with a price of 1 10,000 yuan. If the down payment ratio is 30% according to the policy, it is estimated to be 900,000 yuan. The loanable amount is: 900,000-900,000 * 30% = 630,000. The down payment is: 654.38+00,000-630,000 = 370,000.
3. Different taxes and fees
New house: main taxes and fees such as deed tax, house maintenance fund, one-year property fee and heating fee need to be paid.
Second-hand house: main taxes and fees such as deed tax, value-added tax (exempt from living for two years), personal income tax (exempt from living for five years), loan guarantee fee and agency fee are required.
Compared with new houses, second-hand houses need to pay more taxes and fees. In addition, the standard of deed tax collection for new houses and second-hand houses is the same, but it is different in taxable value. The new house is multiplied by the corresponding deed tax ratio according to the total house price. Second-hand houses are multiplied by the corresponding deed tax ratio according to the transaction price, evaluation price or guidance price.
4. Different trading methods.
New house: mainly a transaction between an individual and a developer.
Second-hand housing: generally, transactions are entrusted to intermediaries, that is, buyers and sellers, intermediaries and other three parties conduct transactions. Second-hand houses also have their own transactions, that is, transactions are not conducted through intermediaries.
5. Different procedures.
New house: Many procedures are handled by developers. For property buyers, the procedures for new house transactions are simpler.
Second-hand house: When trading on its own, many procedures need to be completed by both buyers and sellers, so it is relatively cumbersome.
Transactions are conducted through intermediaries, which will provide services for the whole transaction process. However, there are many disputes, uncertainties and risks in second-hand housing transactions.
6. Other differences
New houses under construction can only look at the model, some houses will be different from the model after completion, and second-hand houses can look at the real thing.
New houses generally have to go through the stages of approval, opening, housing selection, delivery and decoration, and second-hand houses can be bought and lived directly.
In short, buying a new house and buying a second-hand house have their own advantages and disadvantages. Buying a new house or a second-hand house depends on personal preferences and economic conditions.
(The above answers were published on 20 17-0 1-05. Please refer to the actual situation for the current purchase policy. )
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