It took almost an hour for several people to look at all three houses, and finally they went to see a large house with an area of ​​163 square meters.

They returned to the intermediary company and looked at several houses. Wu Fei and Kang Liu were most satisfied with the 16-story house among the three buildings.

The size of the apartment is just right. The structure of three bedrooms, two living rooms, one kitchen and two bathrooms is also very reasonable. The actual usable area is 105 square meters, and the rooms inside look quite small.

Especially one of the second bedrooms is almost the same size as the master bedroom. During renovation, it can be used to create a small study room.

When they returned to the agency, they had already decided to buy the 16-story apartment in the three buildings.

"What's the current price of a 6-story house in three buildings? Can your company help with the loan?"

Now that you have decided to buy, let’s look at the specific price. With the current market situation in the county, I hope you won’t encounter that kind of homeowner who is open-mouthed.

"You can apply for a mortgage loan, but since it is a second-hand house, the down payment may be a little larger, and the loan term may be shorter, so it cannot be extended to 30 years."

The salesperson said to Wu Fei: "What we are helping with is a loan from the Rural Commercial Bank. Generally, the longest loan period for second-hand houses is twenty years."

In fact, according to national regulations, in Wu Fei's situation, and combined with the age of the house, it has only been five or six years since the land was approved, so the maximum loan period that can be granted is 30 years.

However, each place has its own policies, and different banks have different policies, so it’s not surprising that you can only borrow for 20 years.

There is also a second-hand house mortgage loan. The valuation given by the bank to the house is generally lower than the actual total transaction price.

Therefore, the down payment for buying a second-hand house is generally higher than that for a first-hand house. The difference between the bank's valuation and the actual transaction price is the extra down payment.

"When the landlord listed this house here, the asking price was relatively high, 5,500 yuan per square meter. However, the landlord bought it expecting the price to rise. With the current market conditions in the county, there may not be much room for bargaining."

The salesman told Wu Fei and others about the situation of this house.

In fact, Wu Fei also knows that when buying second-hand houses at this time, unless you meet those who are in urgent need of money and need to sell their houses, they generally want to buy them at a price lower than the market price, which is not very likely.

If you encounter someone who is eager to sell, the price is easy to negotiate, and it will usually be two or three yuan less than the market price.

As for the house Wu Fei and the others wanted to buy, the salesperson said it was for investment, so the price was not easy to negotiate.

Especially when housing prices continue to rise, you will generally quote a little more when quoting. If you see that you are in a hurry to buy, the price may be temporarily increased.

Wu Fei had encountered such a thing before when he was doing real estate sales. At that time, when the real estate market was particularly hot, house prices were really rising day by day. Some houses had already been negotiated and deposits had been paid. The next day

, the landlord suddenly said that he would not sell it, and was willing to pay you liquidated damages.

Because the part of the increase in house prices is enough for him to pay the liquidated damages several times, and there is still more.

So buying a house at that time was really like grabbing limited-priced goods in a supermarket. If you move slowly, you won't be able to buy a house.

The houses in this community were only a little over 2,000 when they first went on sale two years ago. The prices have doubled in two years, and looking at the current market conditions in the county, it is unlikely that they will drop down for the time being.

Wu Fei said to the salesman: "Please help contact the landlord and see if we can negotiate. How do you charge the agency fee? How much is it?"

"Our company's charging standard is 2% of the transaction price, which includes subsequent real estate registration, house check-in related procedures and other fees. At that time, you only need to pay another 80 yuan for the cost of the house."

Buying a second-hand house through an intermediary involves intermediary fees. Wu Fei used to make this money. Unexpectedly, it has only been so long that he has to find an intermediary to buy a house.

At present, the agency fee range for second-hand housing in my country is generally 0.8~3%, but in many cases there is room for bargaining.

However, the fee per click is generally very small, unless it is a relatively large transaction, in which case the intermediary company will charge a relatively low percentage.

In most cases, it is normal for agency fees to be between 1 and 2 percentage points.

When Wu Fei was selling houses at that time, there was a saying in the company: 1 point is a little too little, 2 points is a little expensive, and 3 points is too stupid.

Also, it is best not to pay the intermediary fee all at once to avoid being passive. It is best to leave part of it until the transaction is completed.

The salesperson quickly called Wu Fei and told Wu Fei that the homeowner insisted on the price of 55oo and refused to budge.

"Actually, the price is still affordable. There are relatively few new houses in the old city. The most important thing is that this community is close to a primary school. In recent years, many people from rural areas have come to the county to attend elementary school. Now everyone in the county has

A primary school is almost full. There used to be more than 40 children in a class, but now many classes are filled with more than 60 children."

The salesman advised Wu Fei: "Especially now that the county has begun to divide school districts. If you don't have a house, you can't go to the county to study. Small houses are even more in demand. At this price, you can definitely buy them."

"Okay then, you make an appointment with the landlord and we will meet here tomorrow. I will bring the information and sign the contract then. From now on, the loan procedures will be handed over to you."

In fact, it is very risky for individuals to directly approach homeowners to trade second-hand houses, and the transaction process is also cumbersome. Therefore, most people now choose intermediaries to buy and sell second-hand houses.

Although based on the current housing prices, the agency fee for any house is tens of thousands, but this money really cannot be saved.

But the premise is to find a reliable intermediary company and check whether the intermediary is regular. The intermediary has no qualifications. If it is not a regular intermediary, if you give him the money, he may run away. By then, your money will go in, but the house will not be there yet.

It’s a scam to get it, so you must check whether it is a formal intermediary and whether it has qualifications.

Another thing is to ask the intermediary to write the verbal promise into the contract. Some intermediaries may make a lot of promises to you in order to close the deal.

However, what he says does not necessarily mean that he will do it. If the commitment is not written into the contract, it is equivalent to nonsense. Once you sign the contract, everything will be in accordance with the contract, and there is nothing you can do against him.
Chapter completed!