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Buying a new house in Shanghai is a major event. Here are some suggestions:
I. Purchase Budget
- First, you need to clearly understand your financial situation, including your savings and the loan amount you can obtain. Housing prices in Shanghai are relatively high. In addition to the down payment, you also need to consider your long-term repayment ability. Generally, the down payment ratio for the first home is not less than 30%, and the down payment ratio for the second home is higher. At the same time, set aside a portion of funds for paying taxes and fees such as deed tax and maintenance fund, which may account for about 1% - 3% of the housing price.
- Besides the house purchase funds, you also need to consider the living costs after moving in, such as property management fees and utility bills. The property management fees of new residential buildings vary depending on the facilities and services of the community, and may range from a few yuan to more than ten yuan per square meter per month.
II. Selection of the Purchase Area
- Near the Workplace: If you consider the convenience of commuting, it is best to choose to buy a house near your workplace. For example, if you work in Lujiazui, areas such as Huamu and Yangjing in Pudong may be good choices; if you work in Caohejing, some areas in Xuhui or Minhang are more suitable. This can save a lot of commuting time and transportation costs.
- Consider the Supporting Facilities: Pay attention to the surrounding educational resources. Areas like Jing'an and Xuhui have many high-quality schools, which are very important for families with children's educational needs. Medical facilities should not be ignored either. Ensure that there are hospitals nearby for convenient medical treatment. Commercial supporting facilities are also crucial. Large shopping centers, supermarkets, etc. can meet the daily shopping needs. Residences near business districts such as Wujiaochang and Zhongshan Park have high living convenience.
- Pay Attention to the Development Potential of the Area: Some emerging areas such as Qiantan and Zhangjiang Science City, with the urban development planning and industrial layout, have great potential for value appreciation in the future and the potential to create a good living environment.
III. Selection of the Real Estate Project
- Developer's Brand: Choose developers with good reputation and rich experience. Brand developers have more guarantees in terms of housing quality, construction progress, after-sales service, etc. You can check the evaluations of the projects developed by the developer before to understand its reputation.
- Project Planning and Apartment Layout: Conduct on-site inspections of the project's planning and layout. A reasonable community planning includes green landscapes, parking space allocation, leisure facilities, etc. In terms of the apartment layout, choose according to the number of family members and living habits. For example, a young couple can choose a one-bedroom or two-bedroom apartment, while a family with three generations living together may need a three-bedroom apartment or larger. At the same time, pay attention to the squareness of the apartment layout, as well as the lighting and ventilation conditions.
- Housing Quality: You can view the show flat, but pay attention to distinguishing between the delivery standards and the non-delivery standards. Understand the usage of building materials, such as the exterior wall materials and the quality of doors and windows. Ask the sales staff about the building process and quality control measures of the house.
IV. Housing Purchase Policies
- Understand the purchase restriction policies. Non-Shanghai household residents need to meet certain requirements for the payment period of social security or individual income tax when purchasing a house. At the same time, the policies may be adjusted dynamically according to the situation of the real estate market. Keep an eye on the latest policy dynamics to ensure that you meet the housing purchase conditions.
- Pay attention to the loan policies. The loan interest rates and loan amount approval standards of different banks will vary. You can consult several banks and choose the most suitable loan plan for you. Moreover, the loan policies will also change due to the influence of national macroeconomic policies.
V. Property Rights and Certificates
- Ensure that the property rights of the purchased house are clear, and there are no property right disputes, mortgages, etc. Require the developer to present relevant property right certificates. After signing the housing purchase contract, handle relevant certificates such as the property ownership certificate according to the time agreed in the contract to avoid the situation of overdue non-handling.
VI. Housing Purchase Process
- House Viewing Stage: Collect real estate project information through multiple channels. In addition to real estate agents, you can also learn about it through real estate websites, the official channels of the developer, etc. Arrange time for on-site house viewing and try to view several real estate projects for comparison.
- House Selection and Contract Signing: After determining the desired house, carefully read the housing purchase contract. Key clauses such as the house price, delivery time, and quality standards in the contract should be clear. If you have any questions about the contract clauses, consult a professional in a timely manner or ask the developer to explain them clearly.
- Loan Application (if needed): If you need to purchase a house with a loan, prepare various materials required by the bank, such as income certificates and bank statements. Go through the loan approval procedures according to the bank's process and sign the loan contract with the bank.
- House Receipt and Inspection: When the house is delivered, conduct house inspection according to the standards agreed in the contract. You can hire a professional house inspector to check whether there are problems with the walls, floors, water and electricity lines, etc. of the house. If problems are found, require the developer to rectify them in a timely manner.
声明：本文由入驻焦点开放平台的作者撰写，除焦点官方账号外，观点仅代表作者本人，不代表焦点立场。
