(continuing prior period)
The basic process is the same for both the first and second-hand rooms, with six main steps
The room selections, we can look at our old articles, basically talk about a lot, but the rest is to buy a house that suits us
What are the 18 common senses for buying a house
When you buy a house, you have to check your property certificates. You have to be careful about this
It's not food. You know all about it
You have to know that
Don't buy a house like this
When you buy a house, you have to check your property certificates. You have to be careful about this
Don't go to the hotel tour. Maybe you'll be the catcher
The contract is signed mainly in second-hand rooms, where you have little to notice, especially in the first-line cities, where the new buildings are in the form contract prepared by the developers, and when the developers are the fathers, you like to sign or not, and you talk about “the next”. But you can also be assured that there will be no such thing as a tyrannical clause, that they're mainly talking about money, that they only care about how and when you pay. You keep the rest of the money, it'll be fine。
The contract for the used room is complicated
The landlord must be identified
In the past, when a second-hand house contract was signed, there was too much business with the impostor, who ended up with two empty houses in the buying house. So before signing a contract, you have to check the landlord's identity documents, ids, accountbooks. It's important to check the information. It's important to have consistent information. How long does it take to travel from home to the kitchen to ask the landlord about the house, such as the address of the house, the property, the soundproofing of the light? Where are the police, hospitals, stations, supermarkets and so on? How? Such questions are usually not known to the false landlord. Of course, you have to do your homework on them, or you don't know why. You can ask the neighbors about them, or you can go around the room while the agency is watching。
We have to schedule the transfer
The purchase and sale of the property involved the following amounts: a down payment + a down payment + a down payment, plus a loan if any。
A down payment
After looking at the house, it was decided to buy the house, and the first payment was usually in the tens of thousands, 20,000-5,000, and the more the deposit was paid, the greater the intention to purchase. Here, care is taken to distinguish between a down payment and a down payment, which is not refundable in the event of breach of contract requiring a discharge. In the second-hand room, if the landlord took a deposit, he would have to pay for the breach of contract, but that does not mean that he would have to sell it to you. If you set the price at $5 million, the deposit at $50,000, and another client paid $5. 2 million to buy his house, he would have defaulted even if he paid you twice as much, but this rarely happens, unless the rest of the house is haunted. If you're not buying it, then the landlord can not refund it, and you'll give it to the landlord. In contrast to the down payment, if a breach occurs, whether the landlord or the purchaser does not want to sell it or buy it, the party that received the down payment must pay it back in full. So, at the time of payment, you'll have to see that the down payment and the down payment require special attention。
Advances
The bulk of the down payment was made on the day the purchase and sale contract was signed, with few more days to pay. The developers must not do it, the real second-hand house deal, and the landlord doesn't want it. The down payment is not the same, and it will be subject to flexible changes in line with the then-existing policy on home purchase, in connection with the identification of a flat, two suites and, in the case of loans, in cases where banks request an increase in the down payment rate. The down payment rate is essentially 20-40 per cent of the total house price. When we had a zero down payment, it was really a pie, but we didn't do it。
Loans
Those who have purchased mortgages know that this is a long, tormenting, uncompromising process and fear that they will have problems with their own loans, and that the compensation will be huge. So if you want to make a loan, set as much time as you can, the first room has a time limit, the second room needs to talk to the landlord。
There are too many advantages in the fact that housing prices are not the same as in the past, and that few people are able to make a lump sum of $5 million, $10 million, that most are for loans, and that people are not as rich as they used to be. It is mentioned that the approval of a loan involves the approval of a bank. The approval of a loan by a bank consists mainly of two: the house and the lender. Here, let's just say, there's too much on this issue, and there's a special examination for bank qualifications。
The house is mainly: total price, age. The total price here is not your contract price for the bank, but the price in the independent report issued by the third-party company, called the evaluated price. The value of this assessment is closely related to your loan ratio, regardless of how much it is written in your contract, your final loan ratio is based on the value of the evaluation, for example, the purchase and sale of 5 million houses, the down payment of 1 million, a loan of 3 million, or 6 per cent (60 per cent), but you've evaluated the company's assessment that the house is worth 3 million, and how can the bank give you 3 million? If you count the loan at 60, the bank will give you up to $1. 8 million, and the remaining $1. 2 million will be raised by yourself. If you do not raise the $1. 2 million, you will face a breach of contract for compensation. So this assessment directly affects your ability to make a loan and complete the transaction. There is also the age of the house, which is related to the number of years you can borrow and the amount of monthly needs, which has a direct impact on the quality of life after your loan. If you're old enough to buy an old house, you'll have a short loan, you'll have more monthly supplies, and your quality of life will certainly decline. And vice versa, if you have a short age, a new room or a second one, then you will have a long loan, you will have fewer monthly supplies and you will have less quality of life. Why do you say that because of the age of the house and the length of the loan
