Recently, the rapid rise in house prices has caused many buyers to hesitate or even wait and see. At the same time, the overthrow of buildings in Shanghai has caused buyers to worry about the quality of their homes. In this regard, the industry interviewed by reporters believes that many homebuyers purchase behavior is completed in the house price increase channel, you want to buy at the lowest point in the housing price is difficult, you should combine their own circumstances to choose a cost-effective house.
High price should choose price
In recent days, the property market has been extremely hot, and not only has the volume continued to soar, but prices have also soared. In particular, the recent emergence of “land kings†has provided support for rising housing prices in the surrounding areas, and has given second-hand homeowners the right to increase their prices.
Faced with the continuous rise in house prices, whether or not to purchase houses and how to choose houses has become the focus of attention. Hu Jinghui said that regardless of the rate of increase in housing prices, it should be divided into two categories, suitable and unsuitable. For homebuyers who want to buy a home for the first time, as long as they fully enjoy the national first-prize-suite low down payment, low interest rates, a variety of tax exemptions and other national preferential policies, it can be said that first-time home buyers at this time is appropriate to buy a house; for improved home buyers to come Said that the current housing prices rose quickly, although the cost of improving the housing is improving, but this part of the home buyers can choose some of the relatively low prices of the district to buy houses; for demolition, birth, etc. forced to improve the buyers of home buyers, they People who have to buy a house, for this group of people, when they shot it.
For those who currently want to buy a house, Hu Jinghui suggested that more consideration should be given to the purchase of houses along rail transit lines and on the edge of urban and suburban areas. Compared with houses in urban core areas, the housing prices in these areas are relatively low, and they are exposed to rail traffic. These previously unattractive places will also become an important part of the government's efforts to strengthen construction, so the appreciation space will increase greatly.
Second-hand housing safety is relatively higher than the 期房
In addition to the widespread concern over housing prices, the recent upsurge of building houses in Shanghai has also attracted the attention of the industry and home buyers, and has led to debates over whether or not to purchase buildings. Meng Qi, an analyst of real estate market in the 21st century, believes that this incident in Shanghai is indeed a case. It is only a matter of doubt that the problem of housing quality in commercial housing in Shanghai and even in the country will slightly increase the number of individual cases. If buyers are concerned about the quality of the housing, they will be delayed. Buying a house or abandoning a home purchase plan is slightly less rational. This is not only because the incident was due to the collapse of the case, do not have common factors, but also because the first half of this year, the national real estate market transactions have improved, the property market is bullish all the way, is expected to remain high in the second half of the transaction level, then house prices It is highly probable that there will be further upswings, and homebuyers will assume more of the cost of home purchases due to their concerns.
The industry believes that the disclosure of this incident and the social repercussions from the point of view of real estate transactions, is likely to lead to some buyers in the coming period to abandon the purchase of 期房 to consider second-hand housing. phenomenon.
Meng Qi pointed out that from the perspective of the safety of home purchase, the advantage of second-hand housing has always been greater than the 期房. With regard to the quality of second-hand housing, community environment, geographic location, and supporting facilities, home buyers can experience it on their own, even through conversations with neighboring neighbors, to learn more about the neighborhood relationship, security, and property of the second-hand housing community. The level of such soft services, such as the level, is very helpful to help buyers to grasp the security of the purchased property. On the contrary, for those who purchase 期房, although the price of the 期房 in the previous period is generally low, most buyers will bear certain potential risks for the purchase of houses, after all, from the community environment construction, property management to housing quality and other issues. , In the absence before, basically only listen to the developer to describe, if the future delivery, the delivery standards did not meet the developer's commitment, then the buyers are either reluctant to accept, or the vulnerable groups sued the developer , into the difficult situation of rights protection.
Wu Hao, the chief planning officer of Beijing Capital's professional loan service agency Weijia Anji, also reminded that from the perspective of the case of overthrowing buildings in Shanghai, it is worth noting that home loan borrowers should be cautious about buying unsealed properties, which could easily lead to many risks. First of all, the quality problems of the real estate or even the collapse of the building, the owner must be to claim compensation from the developers, but at the same time bank loans also need to be repaid on time, if the three parties failed to negotiate or at any stage there is a problem, extremely prone to disputes Second, uncapped properties may not be delivered on time. The insecure factor of the 期房 is that once the developer has a funding gap, the project is likely to end up raging, let alone make the house on time, and cannot protect the interests of the owners. In addition, another relatively serious risk is the developer’s absconding, which may be due to the suspension of the developer's fund problem, or the developer’s diversion of money for other purposes, transfer, and escaping, or even directly declaring bankruptcy and failing to deliver it. Buyers are even more difficult to prevent.
Wu Hao pointed out that the purchase of unsealed real estate needs to be cautious. As far as the Beijing area is concerned, the CBRC’s pre-sale of uncapped real estate is strictly to be investigated and prohibited, and the interests of buyers are relatively guaranteed. However, compared to the use of clear property rights, the right to buy live, existing home advantage and convenient bank loans, home buyers need to be cautious in considering the purchase of new real estate or second-hand housing.
How to prevent risks when purchasing 期房
For buyers who choose to purchase the 期房, industry experts interviewed by reporters gave specific suggestions.
Meng Qi suggested that homebuyers who choose to purchase a new home can measure the security of the real estate transaction from the following aspects before buying a home, and strive to evade the risks of home purchase, including important issues such as housing quality, transaction fund security, contract signing, and property rights delivery.
First of all, we should review the qualifications of developers and construction units, understand the projects that developers and construction units have ever operated, and purchase projects developed by qualified developers; Second, when signing contracts, carefully review the terms of the contracts and avoid signing overlord contracts. The relationship between the two parties should be clear; once again, the acceptance should be carefully accepted, and those who have doubts about the quality, area, etc., can use their own qualified measurement units to re-measure.
In response, Chang Shujuan, the marketing director of Beijing Ten Real Estate Agency Co., Ltd., agreed. For how to examine the qualifications of developers, she said that they can go to the office of the developer company to inspect. In accordance with the usual market rules, strong and reputable real estate development companies pay attention to their own corporate image in all aspects and have a good reputation for consumers; at the same time, they can inspect the commercial housing they have sold. In these already-sold residential areas, there are two steps to take: one is to look at the surrounding environment first, and if the environment is good, the company is more responsible for property management. If there is a lot of waste and the environment is poor, the property management is flawed. On the other hand, if you go to the residents and ask questions, if the development company has a good house, good management and reasonable charges, the households will have a good appraisal. If the quality is poor, the management is chaotic, and the fees are too high, tenants will speak out mercilessly.
Chang Shujuan also reminded the buyer of the house, should carefully examine the construction party, supervision party, designer. There is also a great relationship between the quality of housing and the supervision of the construction party, the supervisor, and the relevant departments. The inspection of the qualifications of the construction party and the supervisor of the pre-sale properties cannot be ignored. In addition, to identify the quality of commercial housing quality, but also depends on the level of its design. Before purchasing a home, you should carefully study the low-level design provided by the developer. The quality of structural engineering is the most critical and least understood part of the quality of commercial housing. Be sure to ask the developer to issue a “Construction Project Quality Qualification Certificate†before purchasing a home, and if necessary, check whether the quality supervision organization issuing the certificate is qualified. At the same time, it is also necessary for the developer to clearly identify the warranty period and warranty scope as stipulated in the "Management Measures for Quality Management of Construction Projects" issued by the Ministry of Housing and Urban-Rural Development so as to prevent problems.
For buyers of second-hand housing, Meng Qi suggested that on the one hand, it should go to the site where the second-hand housing is located to investigate as much as possible about the conditions of the community where the house is located, supporting construction, etc.; The original, to ensure that the availability and authenticity of the listing; to buy property with clear property; buyers and sellers sign the purchase contract, the rights and responsibilities of the parties should be clear, in particular, should pay attention to payment, transfer, delivery and other important matters of the agreement; more It is important to look at the qualifications of an intermediary company and cooperate with qualified intermediary companies.
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