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홍차넷
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티타임
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- 다양한 주제에 대해 자유롭게 글을 작성하는 게시판입니다.
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전체기타일상/생각꿀팁/강좌방송/연예도서/문학영화의료/건강문화/예술경제생활체육과학/기술철학/종교정치요리/음식역사여행육아/가정IT/컴퓨터음악창작게임스포츠사회오프모임
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| Date |
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| Name | Leeka |
| Subject | 부린이 2탄 - 주택 매매시 알아두면 좋은 내용들 |
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-> 투자 목적 노노.. 실거주를 꿈꾸는 케이스라고 가정하고 적습니다. 1. 입주 가능 매물은, 세낀 매물보다 10% 전후 비싸다. 지역마다, 조건마다 다르긴 한데 평균적으로 입주 가능은, 세낀 매물보다 더 비쌉니다. 보통 거래가가 비슷한 층인데 요동치면 입주가능 / 세낀거.. 가 왔다갔다 한 거라고 보시면 됩니다. 네이버 부동산에서 정보 보실때 '상세정보에 입주 가능' / 세안고 라고 보통 표시하는데 입주가능으로 보셔야 등기치고 바로 실거주가 가능합니다. 2. 이사가고 싶은 날 기준 2~3개월 전에 계약하는게 보통. 케바케긴 한데. 보통 입주가능 물건은 2~3개월 전에 계약하고 들어가게 됩니다. 입주가능 물건이라는건, '이 집을 판 집주인도 다른 집으로 이사'를 해야 되기 때문에.. 버퍼가 있어야 해서. 3. 집을 사게 되면 들어가는 비용은 다음과 같습니다. -> 주담대 수수료 -> 취득세 -> 복비 -> 이사 (옮길 짐이 없다면 제외됨) -> 인테리어 (안하면 제외됨) -> 법무사 등기 (셀프등기시 제외됨) 즉 집 매매시엔 1. 마이너스 통장을 최대로 뚫는다. (단, 1억 초과는 안됩니다..) 2. 내가 매달 필수로 쓰는 돈 + 약간의 여유돈. 계산해서 매달 꼭 써야 하는 금액을 계산해서, '매달 감당 가능한 원금+이자 금액을 확인한다' 3. 감당 가능한 선에서의 주담대 금액 확인 & 내 마통과 보유 자금을 다 합쳐서 총 금액을 확인한다. 4. 위에 적어둔, 6종의 추가 비용까지 계산해서 실제 구입 가능한 집값을 확인한다. 를 먼저 체크하신 뒤에. '그 금액보다 5~10% 정도는 더 내려서'.. 최대치로 설정하고 보러다니시면 됩니다. 4. 매매는 평일에 하세요. 은행도 평일에만 열고, 공공기관도 평일에만 열기 때문에.. 5. 중도금은 가능하면 빨리 넣으세요. 가계약금 + 계약금 + 중도금 + 잔금 이게 기본 국룰인데요. 가계약금은 진짜 케바케지만. 계약금은 보통 매매가의 10%를 잡게 되고. 중도금을 넣어야 배액배상을 막을 수 있습니다. 6. 법무사 꼭 써야 되나요? 당일에 이사를 한다 > 쓰세요. 당일에 매매만 하고 이사는 안한다 > 셀프등기 고민해보셔도 됩니다. 7. 부가적인 각 거리들, 정가가 얼마인가요? -> 부동산 보통 복비는 0.4%~0.5% 하면 잘 한겁니다... 이게 중가는 어차피 요율이 0.4%라서 그대로 하셔도 되는데 비싼 고가의 경우 0.9%까지 가는데. 0.5% 전후로는 협상하고 거래 진행하세요. -> 법무사 비용 25~30만원 전후 하시면 됩니다. (은행 법무사가 그 이상 부르면. 부동산에 말해서 쓰거나 / 법무통 이용하세요) -> 이사 비용 사다리차 비용은 DC 안되는 정가 국룰이고 그 외 비용은 케바케인데요.. 이게 막상 DC 하기에도 찝찝한 구석이 있어서. 2~3곳에서 견적만 잘 보시고 진행하시면 됩니다. -> 인테리어 올수리 기준 샷시 안하면 평당 100~150 샷시 하면 평당 150~200 잡으시면 크게 벗어나는 범위는 아닙니다. 이게 장판만 해도 2.2T 같은거 쓰냐 6T 쓰냐만으로도 가격차이가 원기옥이 터지는게 인테리어다보니.. 8. 주담대 빌릴때 어떤 방식이 좋나요? 상환기간 - 최대한 길게 원금 - 최대한 늦게 금리 - 가능하면 고정금리 상환기간과 원금은 어차피 '내가 도중에 갚고 싶으면 언제든 갚아버리면 되는거라서' 최대한 길게 하는게 짱이고. 금리의 경우 '고정을 하게 되면. 나중에 금리가 더 내려갔을때 주담대 갈아타기!' 를 하면 되고 금리가 올라가면 그냥 그대로 두면 되서. 금리 리스크를 최소화 할 수 있습니다. 특히 요즘은 여기서 더 내려갈 곳이 있나? 싶은 수준의 금리라서.. 9. 집을 볼때 체크해야 되는 점 직주근접이니 역세권이니 초품아니 이런건 다들 알 것 같으니. 의외로 놓치는 부분들을 남겨두자면 -> 세탁기/건조기 일자로 설치가 되는지 -> 남향인지 & 일조시간 -> 밤에 갔을때 주차장 상태가 어떤지 -> 수압이 쎈지 -> 하수구에서 냄새가 안나는지 -> 창문을 열었을 때, 외부 소음이 어느정도인지 10. 층수 오래된 아파트면 탑층은 피하는게 좋습니다. 단, 요즘 아파트는 오히려 탑층이 로얄층인 경우도 많아서... 자세한건 공시지가로 직접 보시는게 좋긴 합니다. 저층을 갈꺼면 1층은 차라리 나은데.. 2~3층 같은 저층은 가능하면 피하세요. 1층은 '저층의 단점을 다 들고 있지만. 아이들이 마구 뛰어다녀도 된다' 는 장점이 있어서 수요가 있는데.. 2~3층은 저층의 단점만 들고 있는 구조라서.. 특히 신축들은 '필로티까지 껴서 예전 1층보다 높아진.. 실제 위치는 2~3층 정도 되면서 층간소음 해방이라 과거보다 더 좋습니다.' 로얄층과 같은 실제 층의 가치는 '네이버 부동산에서 공시지가' 보시면. 공시지가가 층단위로 다르게 나옵니다. 그걸 보면 정부에서 공인한 로얄층.. 라인을 알 수 있는데요. 어디가 좋은 층인지 모르시면 참고하시면 됩니다. 일반적으론 '중간층~탑층 바로 아래층' 까지가 공시지가로 가장 비싸게 잡힙니다. 11. 난방 장점 : 지역난방 = 온수가 잘나옴 & 보일러가 내 집에 없어서 조용하고 안전함 개별난방 = 방이 온돌처럼 따땃함 단점은 서로 크로스.. 해주시면 됩니다. Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 8
이 게시판에 등록된 Leeka님의 최근 게시물
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Warning: Use of undefined constant use_formmail - assumed 'use_formmail' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 605
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 599
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 599
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 600
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 600
Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 605
Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 605
Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 609
Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 609
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 614
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 616
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 618
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 618
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 612
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 612
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 620
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 628
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 628
Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 640
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 644
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/cmt_replace.php on line 3
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 6
Warning: Use of undefined constant file_name - assumed 'file_name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 28
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 65
151226 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
151226 class='vcm '>
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 70
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
151226'> 존보글
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
20/12/13 10:35
151226>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
복비... 강해지셔야 합니다. 0.3퍼 이하, 아예 정액으로까지 깎는 케이스도 흔합니다.
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
151226>
151226>
