What is the difference between an auction house and a commercial house?

What is the difference between French auction houses and new and second-hand houses?

1, policy differences

At present, there are no restrictions on buying houses in Changsha. As long as there are funds, it is ok to buy several sets, and foreigners can also buy them and settle down. Faster houses can be purchased without waiting time, so they can be purchased in advance, enjoy the appreciation of the house, enjoy the bonus of rising house prices, and enjoy the benefits of school districts.

The purchase of new and second-hand houses in Changsha is restricted. You can buy 1 set if you are unmarried locally, and you can buy the second set after four years of marriage for the first set, but you can't buy the third set. Foreigners are even more restricted to purchase, and even need to pay social security for 2 years to purchase. Buying a house after two years will not only not enjoy the bonus of rising house prices, but also spend a lot of money because of rising house prices.

2. Price difference

The starting price of Changsha auction house is lower than the market price. If you are lucky, you can really miss it, but now the sought-after housing in the sought-after community may pay a high price.

Both new and second-hand houses in Changsha are bought close to the market price, so it is difficult to find the missing bill, but there will be no problem much higher than the market price, because those who can buy it are qualified and have many choices.

3, the difference between housing

The houses of Changsha Fapai are all existing houses, and the location is also very good. Many even decorated houses are more suitable for investment. If you buy them, you can rent them.

Many new houses in Changsha are faster, and many of them are now out of the city. Even if you buy it, you have to wait 1-2 years before you can move in, and there is a risk of delaying the repossession. After buying a rough house, you have to decorate it before you can rent it out, which is not suitable for investment.

The second-hand house in Changsha is also an existing house, and you can also choose lots. There are also many finely decorated houses, and the investment is also quite good. Those with decoration are bought and rented.

4, the difference between loans

At present, the housing auction in Changsha can only use commercial loans, and those without real estate license and building permit cannot borrow money. The loan ratio is similar to that of new houses and second-hand houses.

New houses in Changsha can now be loaned, and many second-hand houses can also be purchased by direct loans. Both new houses and second-hand houses can use provident fund loans.

5. Cost variance

Most of the taxes and fees of auction houses in Changsha are paid by buyers, mainly including 3% tax (only five sets can be exempted), deed tax 1%-4% (0% for the first set of 65438+90 square meters, 0.5% for the first set of 65438+90 square meters and 4% for the second set), and loan guarantee fee (2% of the loan amount)

At present, the new houses in Changsha are mainly deed tax (1%-4%, mainly depending on the housing area and apartment type), as well as the new house maintenance fund (2-3%). The loan still needs handling fees, and there is no intermediary service fee.

Changsha second-hand housing taxes are mainly personal income tax and deed tax. The first set of deed tax is less than 90 square meters 1 point, and more than 90 square meters 1.5 point, and two sets are 4 points. Personal income tax is 2 points (only one can be exempted at the end of 5 years), and personal income tax is generally paid by the seller. There is also a handling fee for loans, and it takes 2-3 points to find intermediary services.

Generally speaking, the taxes and fees of auction houses may be slightly higher in actual transactions.

6. Risk differences

There are risks such as unclear property rights, unclear taxes and fees, unclear lease rights, clearing houses and handing over houses, and default. Sometimes, taking a set of methods to shoot a house may lead to multiple claims, multiple mortgages and multiple seizures; Malicious long-term rent occupation, it is extremely difficult to close the house; Depending on the nature of the house, you may have to pay a large transfer fee or tax. Ordinary people are easy to encounter pits when buying, and choosing professional auxiliary agency services can avoid risks better.

Most of the new houses in Changsha are auction houses. When buying a house, you can't see the actual house, and sometimes you have to face the risk of rights protection of developers. This requires buyers to have a pair of "critical eyes" when choosing a new house, so as to choose a more reliable project. There are many developers, and one link has gone wrong. For example, it is very troublesome for buyers to postpone the delivery of the project or even fail to complete it. As long as there is no problem with the developer, there will not be too many problems with the basic purchase.

Second-hand houses in Changsha also have certain risks, such as selling one room twice or even three times, but choosing the right intermediary can also rule out many risks.

These points are probably the difference between Changsha auction house and new and second-hand houses. The advantages of auction houses are mainly not limited to buying. For those who are not qualified to buy a house, I suggest you buy a real estate as soon as possible, and don't wait until the house price rises in the future to lose a lot of money. For friends who are qualified to buy a house, they can choose slowly according to their own needs.