Khi mua nhà cần lưu ý điều gì để không bị “dính bẫy”

Xác định khu vực muốn mua

Ban đầu, trước khi mua nhà hoặc mua bán đất thì việc quan trọng cần được xác định đầu tiên đó chính là khoanh vùng khu vực mà bạn muốn. Và khoanh vùng nào phụ thuộc vào nhiều yếu tố, thứ nhất là khu vực đó tiện đường đến công ty, gần trường học, gần bệnh viện, gần chợ. Hoặc phụ thuộc vào mục đích mua nhà, nếu như những ai có ý định buôn bán kinh doanh thì ưu tiên chọn khu vực đông dân cư, mặt tiền đường, giao thông thuận tiện… Còn một yếu tố nữa đó chính là cộng đồng dân cư ở đó như thế nào, có phù hợp với cuộc sống gia đình bạn hay không? Khi đã khoanh vùng được khu vực mà bạn muốn mua sau đó tiến hành tìm kiếm những ngôi nhà đang chào bán hoặc khu vực đó có dự án nhà liền kề, nhà phố nào hay không? Khi đó bạn có thêm nhiều sự lựa chọn và đưa ra quyết định cuối cùng.

Khảo sát giá bán

Sau khi đã khoanh vùng được khu vực cần mua, bước tiếp theo bạn cần khảo sát giá bán khu vực này ở mức nào. Dĩ nhiên giá khảo sát chỉ là mức giá mặt bằng chung vì tùy thuộc vào từng vị trí khác nhau mà giá trị ngôi nhà đó cũng khác nhau, tuy nhiên sự chênh lệch chỉ tương đối, không được quá cao. Khảo sát giá bán là công đoạn mất khá nhiều thời gian, cho nên bạn không nên vội vàng. Phải tìm hiểu thật kỹ thời điểm hiện tại với mức giá đó có ổn hay không? Khảo sát nhiều nơi và nhiều người mới có thể đánh giá đúng được mức giá. Tránh trường hợp khảo sát một người nhưng lặp lại nhiều lần, vì có thể họ đang tạo sự khan hiếm và độ nóng của thị trường để đánh vào tâm lý của người mua.

Kiểm tra nhà thật kỹ trước khi quyết định

Việc mua nhà cực kỳ quan trọng, chính vì thế trước khi quyết định mua bán nhà chúng ta cần phải kiểm tra thật kỹ. Nếu như đó là nhà mới xây xong cũng phải kiểm tra chất lượng xây dựng như thế nào: về màu sơn, chống thấm, nền móng,… Vì nhà mới xây nên rất khó thẩm định được chất lượng, nhưng mà người mua có thể nhờ bạn bè hoặc người thân có chuyên môn trong lĩnh vực xây dựng đến xem nhà và cho bạn những nhận xét đúng nhất về chất lượng.

khi-mua-nha-can-luu-y-dieu-gi-hinh-anh 3
Kiểm tra chất lượng ngôi nhà trước khi mua

  Hoặc mua nhà cũ thì nên chọn ngôi nhà còn giá trị sử dụng và nếu như có sửa chữa, phục hồi nhà thì người bán sẽ chịu kinh phí này hay người mua sẽ chịu. Vấn đề này sẽ được hai bên thỏa thuận trước khi tiến hành mua. Một yếu tố nữa không thể thiếu đó chính là Phong thủy. Quan tâm đến hướng, màu sơn, số bậc cầu thang, hướng nhà bếp,… có phù hợp với gia chủ hay không. Có nhiều người không quan tâm đến vấn đề này, nhưng ông bà ta dặn dò “có kiêng có lành” vì thế nhất định không được bỏ qua yếu tố Phong thủy nhé!

Tìm hiểu pháp lý ngôi nhà

khi-mua-nha-can-luu-y-dieu-gi-hinh-anh 2
Mọi giấy tờ, chứng từ liên quan đến mua bán nhà phải được công chứng

  Đây là điều không thể thiếu, vì nó liên quan đến những ràng buộc của Pháp luật. Trước khi mua nhà phải yêu cầu người bán cho xem sổ đỏ và tốt nhất nên đo lại diện tích nhà, nếu như nhà đó còn đất trống thì đất đó là thổ cư hay đất nông nghiệp. Nói chung phải kiểm tra lại tất cả những thông số có trong sổ đỏ. Và chắc chắn ngôi nhà đó chỉ không có tranh chấp, quy hoạch hoặc đang bị ngân hàng cầm cố, thế chấp hay không. Người mua có thể lên phường để kiểm tra chính xác thông tin về lịch sử ngôi nhà đã từng xảy ra giao dịch nào. Nếu như trong giấy chứng nhận quyền sử dụng nhà có tên cả người vợ và chồng thì trong khi làm thủ tục bán hàng phải có mặt cả hai người và hai người phải ký kết vào đó, để phòng ngừa trường hợp xảy ra tranh chấp về sau. Và người mua phải tìm hiểu, kiểm tra tất cả những mối liên hệ của chủ nhà trước đó có nợ nần với công ty điện, nước hay cáp quang hay không, để tránh trường hợp “đổ vỏ”.

Cố gắng đàm phán

Đàm phán tốt sẽ giúp cho người mua nhà tiết kiệm được một số tiền lớn. Đàm phán giá phụ thuộc vào mức giá sàn hiện tại ở khu vực đó, cố gắng đàm phán giá thấp hơn giá sàn càng tốt, nếu không thì hãy đàm phán giá bằng với mức trung bình hiện tại.

Lưu ý khi thanh toán tiền nhà

khi-mua-nha-can-luu-y-dieu-gi-hinh-anh 1
Tốt nhất nên thanh toán tiền nhà tại ngân hàng để đảm bảo an toàn

  Đã xác định mua nhà có nghĩa là hai bên sẽ có mối ràng buộc của Pháp luật, vì thế mà hợp đồng mua nhà không được viết tay, mà phải ra phòng công chứng. Nếu như mua nhà liền kề, biệt thự hoặc căn hộ chung cư của dự án sẽ có chế độ thanh toán nhiều lần, mỗi lần thanh toán phải yêu cầu công ty ghi chú rõ ràng và phải được công chứng. Còn trường hợp mua nhà của cá nhân thì khi thanh toán tiền nên diễn ra tại ngân hàng, chỉ làm thủ tục chuyển thẳng tiền vào tài khoản của người bán. Trên đây là những lưu ý trước khi mua nhà bất cứ ai cũng phải quan tâm. Trong lịch sử có rất nhiều người đã “dính bẫy” về pháp lý, giá cả,… cho nên trước khi mua cần phải cân nhắc nhiều thứ để không xảy ra trường hợp rủi ro.

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