In the past two years, many families who just need it like to buy second-hand houses. The main reasons why people choose to buy second-hand houses are: 1. The surrounding supporting facilities of second-hand houses are complete, and many second-hand houses are school district houses, and it is ideal to buy second-hand houses for investment and self-occupation; 2. The price of second-hand housing is relatively cheap, which is still very cost-effective for families who do not have sufficient funds in their hands.
3. Many investors like to buy second-hand houses, just to fight for demolition, so that they can get a large amount of demolition compensation and obtain excess investment returns. 4. Now there are many unfinished buildings in new houses, and many families can only choose second-hand houses, so that they can go to the field to see the house. It can avoid the situation that the developer is unfinished.
As for the age of buying a second-hand house, many families will be confused. So, we asked a senior real estate agent, Lao Zhu, who has been a real estate agent for 15 years. And Lao Zhu seemed more reserved at first. And under our repeated communication, the real estate agent Lao Zhu accidentally leaked his mouth. In his opinion, if the house is more than 20 years old, it is not recommended to buy it.
First, the living comfort of old houses is poor
I bought an old house that is more than 20 years old, and the living comfort is poor. The main reason is that the old houses built back then were to quickly solve the housing problems of the common people, and the others were not taken into account. For example, the effect of lighting and sound insulation is poor. Especially in terms of lighting, the sunlight comes in for a short time, and the light in the room is dim. At the same time, the design of the old house also lacks humanity. For example, the toilet does not have a window, so moisture cannot be discharged. There are also some old houses with small living rooms with no windows and doors on all sides. If this kind of house is self-occupied, the experience will be very poor.
Second, the quality of old houses is worrying
Many old houses that are more than 20 years old usually have problems such as cracking of external walls, aging of various pipes, water seepage in rooms, and elevator failures. Many residents reported that as long as they turned on a few more household appliances, the meter would trip due to excessive pressure. At the same time, the main structure of old houses like this has been damaged, and their ability to withstand natural disasters such as earthquakes is weak. Of course, if you want to alleviate the quality problems of the old house, you can only use the maintenance fund to make minor repairs. This requires the residents of the building to bear the high cost of repairs.
Third, poor property management and scarcity of parking spaces
Many people buy old houses because they think the property fee is very cheap, but they ignore the disadvantages of poor property management and scarcity of parking spaces in old communities. Usually, the security of the property in the old community is virtually non-existent, and there is no one to manage the entry and exit of the community. At the same time, the garbage in the old community is not disposed of regularly, but when it is full, someone will come to transport it. In addition, there is no parking space in the old community, and residents' vehicles can only be parked on both sides of the green belt and the community road, even so, parking spaces are very scarce, and the contradictions between car owners are constant.
Fourth, it is difficult to apply for a mortgage for an old house
Although the price of an old house is relatively cheap, it is difficult for a family to pass the review of an old house that is more than 20 years old when applying for a loan from the bank, which will take into account the age of the house. Even if the bank approves the loan application, the down payment ratio will be significantly higher, and the mortgage interest rate will also increase. Therefore, when families who just need to buy second-hand houses, either the bank will not be approved, or the down payment ratio and mortgage interest rate will be relatively high, and the cost of buying a house will also rise significantly.
Nowadays, more and more families like to buy second-hand houses, and many people feel that buying second-hand houses is more cost-effective. However, Lao Zhu, a senior real estate agent, said that the age of the second-hand house is more than 20 years, so it is not recommended to buy it, mainly due to the above defects. In fact, if the economic conditions allow, the purchase of second-hand housing should choose a new house within 5-10 years, so that not only the living experience is good, but also the mortgage application, the bank can quickly approve it. What do you think about this, please leave a message in the comment area.