Recently, many fans have left messages to Mei Fei asking about the problem of "breaking the old and breaking the small". Mei Fei reminds here: If you want to buy "old and small", don't forget the following questions.
Jiafen
I am going to buy a school district house recently, because my husband and I have a lot of provident fund deposits. Can a house with mixed structure apply for provident fund loan?
Fat girl
The "youngest" is usually a mixed structure, and the age of the building is basically about 40 years. If you want to buy these "old" houses, you can't use the low monthly provident fund loan. At present, the interest rate of provident fund loans for more than five years is 3.25%, and the interest rate of commercial loans is 4.9%. Most banks have to float 10%, that is, the annual interest rate is 5.39%, which is far from the interest rate of provident fund loans.
Of course, although you can't apply for a more favorable provident fund loan, you can also withdraw the provident fund by buying the "old one", which is no different from buying other houses.
Jiafen
Will the loan period for buying "old and young" loans be short? Some brokers say that there is no problem with loans for more than 20 years?
Fat girl
Don't be too optimistic about the loan life of "the old and the small". Usually, the formula for banks to calculate the loan life is: 50- building age = the longest loan life. For these "old and young" school districts, although the loan period is slightly loose, usually 17 or 8 years, if you believe the story that the broker said "you can borrow for more than 20 years", you will not be able to repay the loan on schedule in the future, and you will lose yourself. Because the intermediary will clean up the terms of the contract-the issuance of bank loans is beyond its control, and the buyers have to bear the mortgage risks themselves.
Jiafen
Recently, I saw two sets of "old broken small", both on the top floor, and the house conditions are similar. A newly renovated set, with a total price of 3 million. The other set is older, selling 2.75 million. Which one should I choose?
Fat girl
Generally speaking, you should be careful when buying the "youngest" and choosing the top floor. Because: first, it is difficult to install elevators in mixed-structure houses, and it is very tiring to climb the top floor for many years, unless the total number of floors in the house is below 4; Second, the house on the top floor is prone to water leakage for more than ten years, not to mention the "elderly room". Water leakage is a high probability event.
If you buy a newly renovated duplex, I suggest you be more careful: some speculators or owners, in order to save costs, quickly "beautify" their houses without redoing the waterproof layer, and the new decoration is likely to cover up the water leakage problem. If you buy a duplex that has not been renovated recently, you can analyze whether there is water leakage from the appearance of the house, and you can focus on the right medicine after taking over; But if you buy a "beauty room", you don't know what the problem is, and it's not easy to cure it.
Anyway, the difference of 250 thousand is basically enough for you to decorate yourself. If the requirements are not high, you may still have money to buy furniture and appliances, so if you are too troublesome and have only one penthouse to choose from, choose an unfurnished house.