When renting a house, the landlord mortgages the house, which actually has little effect on the tenant. As long as the lease contract is valid, it will not affect the continued performance of the lease contract. Even if the landlord is unable to repay the loan and the ownership of the house changes, it will not affect the continued performance of the original lease contract.
According to Article 725 of the Civil Law of People's Republic of China (PRC), according to the lease contract, if the ownership of the leased property changes during the lessee's possession, the validity of the lease contract will not be affected.
Article 726 Where the lessor sells the leased house, it shall notify the lessee within a reasonable period before the sale, and the lessee shall have the preemptive right under the same conditions; Except that the house is preempted by the owner or the lessor sells the house to a close relative. After the lessor performs the notification obligation, if the lessee fails to explicitly express the purchase within fifteen days, it shall be deemed that the lessee has waived the preemptive right.
Other legal provisions on house leasing.
"Measures for the Administration of Commercial Housing Leasing" Article 12 During the lease period, if the house is transferred due to gifts, analysis of production, inheritance, sale and other reasons, the original house lease contract will remain valid. If the lessee dies during the lease period, the person who lived with him before his death may lease the house in accordance with the original lease contract.
Article 14 Within 30 days after the conclusion of the house lease contract, the parties to the house lease shall go through the house lease registration at the construction (real estate) department of the people's government of the municipality directly under the central government, city or county where the leased house is located. The parties to the house lease may entrust others to handle the lease registration in writing.
The above contents refer to the Chinese government website-People's Republic of China (PRC) Civil Code.
What should I do if I apply for a rental installment loan? It can be handled like this!
20 18 when renting a house, many people took out installment loans, some of them were voluntary and some were cheated. What should I do if I don't want to borrow someone who has applied for a rental installment loan? Today, I will introduce you to the relevant situation.
Here we will introduce two ways to deal with it, one is to apply for rental installment loans voluntarily, and the other is to be cheated to apply for rental installment loans. Details are as follows:
For those who voluntarily apply for rental installment loans.
Fixed-term rental installment loans can be cancelled. But people often need to pay a certain amount of liquidated damages and suffer certain losses. In addition, the borrower's personal credit may also be affected to some extent. Steps to cancel rental installment loan:
1. Contact the lender and the landlord and propose to cancel the installment loan;
2. After canceling the installment loan, re-pay the rent to the landlord as agreed in the contract.
For those who are cheated to apply for rental installment loans.
If you are deceived and apply for a rental installment loan, it will be more troublesome to cancel the loan. In addition, we should not bear undue losses. I suggest that if you can't cancel the loan without loss, you must report it to the relevant departments.
The parts that can be reported are: Administration for Industry and Commerce, China Banking Regulatory Commission, local financial office, housing management department, etc. In addition, you can also complain to consumer associations and authoritative media about relevant institutions.
The above introduces how to apply for rental installment loans, hoping to help friends who have applied for rental installment loans.
What does a rental loan mean? What are the rental loan traps?
With the rise of housing prices, many office workers choose to rent houses, but the news keeps breaking out. They just rented houses and finally got inexplicable loans. And the interest rate of this kind of rental loan is insanely high, so what does it mean?
1. What does the rental loan mean?
When choosing a housing agent to rent a house, the agent will generally provide several ways to pay the rent, such as "one pay one", "one pay three", "one pay six" and "one pay twelve".
This rental model should be familiar to everyone. The difference is that if you choose the "one-on-one" method, the intermediary will provide "rental loans" to help renters apply for loans from third-party financial institutions and repay them on time every month to pay the rent.
Second, what are the pitfalls of renting a loan?
It looks very convenient. You can move in as long as you pay two months' rent. I didn't expect to have to bear a loan.
So what are the routines of these rental agents?
1. The intermediary signs a contract with the renter (actually a loan contract).
2. After the approval of the bank, the money will be transferred to the intermediary account at one time.
The intermediary will use this money to continue to sign contracts with more landlords.
One year's rent can be distributed to at least four landlords, and each landlord has three months. As long as there is a new landlord, you can continue.
Essence: Renting agents use the personal credit of renters to provide funds for themselves, thus expanding the real estate.
The defect of this model is that the leverage is very high and it is prone to the crisis of capital chain breakage. Once the rental agent monopolizes all the housing resources, the future rent price will continue to rise.
Moreover, many intermediaries did not tell the renter that it was a loan contract when signing the contract, and even some "overlord clauses" pushed the tenant's loan hard, that is, they used the renter's personal credit information in disguise to lend money for the intermediary.
This is the end of the introduction of what is renting a house and waiting for a loan. I wonder if you found the information you need from it?