In the second-hand housing transaction, it is not uncommon to see various contradictions and disputes between buyers, intermediaries and homeowners. Today, SouFun.com in Dongguan tells you how to avoid the "chicken flying eggs".
House information should be carefully verified.
The second-hand houses bought by citizens are generally older, but the specific situation of the house, such as which year it was built, whether the house was mortgaged or sealed up, etc. Generally, it is not known to the buyer and will not be reflected in the contract, so it is easy to be deceived by the false information provided by the intermediary.
"Before, some citizens complained that the house was in 2000. As a result, when I went to the bank for a loan, I realized that the house was in the 1980 s, because the house was too old and the bank did not give loans. " The relevant person in charge of the property market department of the Housing Authority said that this is because the buyers trust the intermediary too much and do not go to the field to understand. As a result, the house was not bought.
The person in charge said that before buying a house, buyers must verify the building conditions and living conditions of the house in detail. In addition to these on-the-spot investigations, citizens should also go to the archives of the Housing Authority to inquire and verify the basic information of the house, such as whether there are restrictions such as mortgage and seizure. So as not to directly handle the transfer procedures and cause certain losses to the buyer.
Citizens can provide the specific location of the house or the number of the house property right certificate with their own identity certificates, apply for verifying whether there are restrictions such as mortgage and seizure of the relevant house, or go to the archives of the Housing Authority with the seller to inquire about relevant information.
Changing the contract loan is a bluff.
"Buy a house without a license, be careful. Many people have been fooled by the intermediary, thinking that they can get the loan results and get into disputes. " The staff of the property market said, especially small property houses and houses with some contract changes.
"Changing the contract" has become an important choice for many citizens to buy a house. Houses that change contracts are generally sales contracts signed with developers, and some are also signed online. None of these houses have real estate licenses. Many intermediaries have played a "contract reform" to attract buyers. After charging tens of thousands of yuan for contract change, the contract is changed to the buyer's name, and the buyer can wait for the certificate.
"This kind of house has not been registered for property rights, and no relevant information can be found. Generally, no money can be borrowed." The staff of the property market department said, however, in order to attract customers, some intermediaries can promise to have relations with banks and can lend money. Many citizens couldn't resist the temptation and paid the down payment to the intermediary. As a result, after waiting for several months or even longer, the intermediary told them that they could not get a loan and could not buy a house. In addition, after such disputes, most of the intermediary fees paid by buyers will not be returned. Property buyers are ultimately "chicken flying eggs."
Dongguan SouFun reminds that some units that raise funds to build houses cannot apply for loans because of incomplete procedures. Buyers must look carefully before buying a house.
Intermediaries may abscond with money.
When citizens buy second-hand houses through intermediaries, they need to pay intermediary commissions, loan service fees, evaluation fees and other fees. Some intermediaries also play the role of "collecting down payment". Yu Zhiping reminded that the intermediary can only charge service fees, and the house deposit and purchase money should not be easily handed over to the intermediary for safekeeping.
Generally speaking, buyers need to pay the down payment after signing the house online. The intermediary is only a third-party witness, and the buyer directly gives the house payment to the owner. The deposit paid before will also be explained accordingly and directly used as the purchase price.
"In recent years, it is not uncommon for intermediaries to abscond with money. The main reason is that this money is not regulated, and there is no legal guarantee after the buyer pays the down payment in large amount. " The staff of the property market said that it is best for buyers to go to an intermediary agency that establishes a fund supervision account to buy a house. If you choose a small-scale intermediary, it is very common to encounter the problem of paying for the seller, which is very risky for the buyer. At this time, the buyer should ask the intermediary to pay the fee.
Dongguan SouFun suggests that buyers can choose a special account for third-party fund supervision, which will be more secure.
"Buyers must be cautious when paying money to the intermediary. Once they pay, it is difficult to come back. " The staff of the property rights market said that some citizens had given the deposit and agency fee to the intermediary before, and later the house could not continue trading because of the seller. According to the regulations, the seller must double the buyer's deposit, but the deposit was taken away by the intermediary and could not be recovered at all.
You must sign a house loan contract.
Citizens buy second-hand houses through intermediaries. In addition to the established commission, the loan service fee is also varied, ranging from several hundred yuan to several thousand yuan. There are also many citizens who can't get loans after paying the money and eventually can't buy a house.
In this regard, the relevant person in charge of the property market said that there is no clear charging standard for loan service fees and intermediary agency fees, and the intermediary and buyers negotiate pricing. When negotiating pricing, buyers are generally in a weak position and are easily fooled by intermediary companies. Many intermediary companies will use the excuse of "bank charges" to fool that banks will not charge loan service fees. Insiders said that since it is negotiated pricing, buyers have the right to bargain with the intermediary and don't be fooled.
In addition, when buying a house, due to the slow bank loan, the seller can't receive the house payment in time. In this regard, the person in charge reminded that if the buyer needs a loan when signing a house sales contract, the seller must fully understand the bank's loan policy and trend before deciding whether to agree to the loan.
Dongguan soufang Com suggests that buyers must clearly stipulate the way of collecting and handling fees in the contract, not limited to words.
(The above answers were published on 20 15-09-02. Please refer to the current actual purchase policy. )
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