Summary: What should you pay attention to when buying a house?

When buying a house, you must determine the property that suits you based on your actual income, expenses, etc., and make a good plan based on your actual situation.

The following editor will introduce to you the things to note when buying a house for the first time and what you need to pay when buying a house from aspects such as determining the goal of buying a house, accumulating a down payment, common sense about buying a house, screening the scope of buying a house, travel time and cost, understanding the cost of buying a house, and specific examples of the cost of buying a house.

What taxes are there? Come and find out! Things to note when buying a house for the first time. What taxes should be paid when buying a house for the first time? What should you pay attention to when buying a house for the first time? 1. Determine the goal of buying a house. Rationality and planned consumption are the prerequisites for buying a house.

Determine the property that suits you based on your income, expenses and other actual conditions.

Don't just buy a house with three bedrooms and two living rooms, and get it right in one step; instead, start from your actual situation and plan well, as long as it can meet the basic living needs, avoid unnecessary additional burdens, and cultivate gradients

The concept of consumption is very important.

2. The accumulation of down payment for buying a house The accumulation of down payment for buying a house is the key to buying a house.

First, set a goal initially, such as paying a down payment within 5 years after graduation. Then in order to achieve your goal, allocate your income reasonably.

Set aside a fixed portion of funds every month and develop a regular fixed amount plan.

Because if a mandatory savings plan with a fixed amount is opened, a fixed amount of funds must be withdrawn every month, which means that the available funds must be reduced, and consumption must be more rational.

The accumulation of bit by bit is a fortune.

In addition, it is recommended that you borrow the down payment from your parents first and pay it back gradually in the future to shorten the accumulation time and reduce potential price increases.

3. Learn some common sense about buying a house. Learn some basic knowledge about real estate - necessary for buying a house.

Because the amount of money involved in a house is huge, buying it is a relatively professional act.

In some developed countries, there are mature and professional real estate agents who can provide professional consultation and services to individual home buyers. The laws, regulations and operating procedures are also relatively standardized. Individual home buying already has a relatively mature model and the process is relatively simple.

easy.

However, the current domestic real estate market has not yet developed such professional housing agents for individual home buyers.

Therefore, it is necessary to learn some real estate basics before buying a house.

4. Screen the scope of house purchase and choose a property that suits you - buy a house according to your ability.

Properties with small area, low down payment and low total price are suitable for young people.

It is recommended to buy a second-hand small house in the city center or a newly opened small house.

The advantages of second-hand small houses are convenient transportation, mature supporting facilities, and relatively favorable prices. In addition, because young people still have considerable job mobility, consider a place with suitable transportation. Even if you move due to job changes, travel will still be convenient.

The advantages of newly launched small apartments are more reasonable apartment layouts, higher living comfort, and relatively higher future investment returns.

Second-hand house purchase guide >> 5. Saving travel time costs Before buying a house, you should also consider the travel time costs.

Because it is not difficult to find that the time cost and transportation cost of traveling across the city are becoming more and more expensive.

If you spend 2 hours a day on transportation, then 1 month = 60 hours = 2.5 days, 1 year = 730 hours = 30 days, 50 years = 36500 hours = 1520 days = 4 years.

If a commuter who drives or takes the bus spends an average of two hours a day in traffic, he or she spends about a month in the car a year.

If you concentrate the two hours you spend every day and sit in the car continuously for a month, or drive without sleep for a month, you can realize the considerable amount of time.

On the contrary, if this time is spent on work or other aspects, more benefits can be created.

If the time limit is enlarged to 50 years, the value of time cost becomes staggering.

Determining the 5-kilometer living circle reminds friends who want to buy a house that grasping the 5-kilometer living circle is an effective parameter to measure the benefits and quality of home buying. The smaller the cost, the higher the cost-effectiveness of the house purchased.

In this way, the extra money you have to pay after buying a house will be less and less.

6. Understand the costs of buying a house. After determining the goal and scope of buying a house, some basic costs of buying a house must be calculated in advance. Although these costs may not seem to be much on the surface, and some are fixed values, they are related to the total cost of the future house.

price combination.

What taxes need to be paid when buying a house 1. Taxes that need to be paid when buying a house 1. Deed tax: 1.5% for ordinary residences, 4% for commercial and residential use or apartments; 2. Maintenance fund: house buyers should pay 2% of the purchase price;

3. Stamp tax: 0.05% of the total house price; 4. Other expenses, not many.

2. Taxes that need to be paid after buying a house 1. Property management fees According to regulations, owners must pay property management fees after taking over the house, but owners can pay fees on a monthly or quarterly basis. Property companies have no right to force owners to pay long-term fees in one go

The property management fee is a condition for moving in.