Where can't I buy a house? 10 Tips for Avoiding Pitfalls
In the past 10 days, discussions about real estate investment have remained high across the Internet, especially "buying a house to avoid pitfalls" has become a hot topic. This article combines the latest hot data and professional analysis to sort out for you10 types of high-risk properties, helping you make smarter decisions.
1. Top 5 recently searched real estate risk topics
| Ranking | topic | Search volume (10,000) | Risk type |
|---|---|---|---|
| 1 | How to identify unfinished buildings | 482 | Developer risk |
| 2 | Foreclosure Hidden Fees | 356 | legal risks |
| 3 | School district housing policy changes | 298 | policy risk |
| 4 | Haunted house transaction dispute | 217 | psychological risk |
| 5 | Confirmation of ownership of houses with small property rights | 195 | Property rights risk |
2. Five types of properties you should never buy
1.Projects where the developer’s capital chain is broken: A recent thunderstorm incident involving a leading real estate company has led to the suspension of projects in many places. Home buyers need to pay special attention to the developer's debt ratio (refer to the table below):
| Developer level | safety line | cordon | danger line |
|---|---|---|---|
| TOP10 real estate companies | ≤70% | 70-85% | ≥85% |
| Regional real estate companies | ≤60% | 60-75% | ≥75% |
2.Foreclosed property with unknown property rights: The latest data shows that 35% of foreclosed properties have hidden disputes. Common risks include:
3.School district housing to be adjusted: The Ministry of Education’s latest “teacher rotation system” has been piloted in 12 cities, causing housing prices in some school districts to fluctuate:
| City | highest drop | Average holding cost (yuan/㎡) |
|---|---|---|
| Beijing | twenty three% | 98,000 |
| Shanghai | 18% | 86,500 |
| Shenzhen | 15% | 105,200 |
4.Houses with serious quality problems: The recently exposed "Kuiju Building" incident shows that houses of the following construction years are at higher risk:
5.Undocumented small property housing: The latest report from the Ministry of Natural Resources shows that the demolition volume of small-property houses in 2023 will increase by 37% year-on-year.
3. Five types of properties that need careful consideration
1.Commercial and residential housing: Utility bills are 40-60% higher than residential ones, and resale taxes are 12-15% higher on average.
2.New house in outer suburbs: For projects with a matching redemption cycle of more than 5 years, the vacancy rate generally exceeds 45%
3.Second-hand housing for senior citizens: For houses over 25 years old, the loan approval rate is less than 30%
4.Tourism real estate: For projects with an occupancy rate of less than 60% during peak seasons, the annualized income is generally less than 3%.
5.Shared property housing: Transfer is restricted within 5 years, and the value-added part must be allocated proportionally
4. Recommendations for the latest pit avoidance tools
| Tool name | Function | Data source |
|---|---|---|
| Housing construction cloud check | Developer qualification inquiry | Ministry of Housing and Urban-Rural Development Database |
| School district warning | School District Change Forecast | Data released by the Education Bureau |
| Foreclosure Radar | Foreclosure house risk detection | Judicial Auction Platform |
Purchasing a house is a major decision in life. It is recommended that before signing a contract, you must: verify the five certificates (original), conduct an on-site inspection of the construction progress, check the real estate registration book, and consult a professional lawyer. remember“Cheap ≠ cost-effective, high price ≠ safe”The golden rule, I wish you to buy the good house of your choice!
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