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Precautions for buying second-hand houses, what are the risks of second-hand housing transactions?
Pay attention to the transaction risks of these second-hand houses. First, pay attention to the transaction risks of these second-hand houses. First, the fraudsters who use false identities to defraud the deposit and purchase money mostly forge false identities, take signing the second-hand housing sales contract as bait, ask the buyers for the deposit and part or all of the purchase money, and then go through the formalities of renaming the house. Once the buyer pays the money, the fraudster will run away, so that the buyer can't get the house and lose the purchase price. Risk 2: The swindlers who use false house certificates to defraud the deposit and purchase money are mostly tenants who trade houses. They use the favorable conditions of free access to houses for trading, forge real estate licenses, and publish false information about selling houses through information stations, so that buyers mistakenly think that liars are the owners of houses and pay them a deposit or purchase money, thus being deceived. Risk 3: use the procedures of house purchase loan to defraud the transaction house. At present, the examination and approval procedures for buying a second-hand house by loan require the seller to handle the house in the name of the buyer, and then the buyer can handle the mortgage loan from the bank. Liars use this loan approval procedure to defraud, and generally take two ways to defraud the transaction room. One is that the swindler lied about buying a house with a loan, and after paying a small part of the house price to the seller, he asked the seller to apply for a house and make a loan in his name. After handling the house in the name of a liar, he resells the house to others for illegal benefits, causing losses to the seller; The other is that it's true that the swindler borrowed money to buy a house. After the transaction house is handled in the name of a liar, it will apply for a mortgage loan from the bank. When banks give loans to swindlers, they will not pay the sellers, but keep them for themselves. At this time, the transaction house has been mortgaged to the bank, which leads to the seller's inability to recover his house and get the purchase price. Risk 4: Trading risk caused by illegal operation of intermediary companies. In the process of second-hand housing transactions, most buyers choose houses in housing intermediary companies, and some intermediary companies also entrust the purchase funds to buyers and sellers, but some intermediary companies divert the customers' purchase funds for other purposes, which increases the transaction risks of buyers and sellers. If the intermediary runs away or is insolvent, the house trader has no hope of asking for money, resulting in huge economic losses. Second, how should buyers deal with the household registration problem? First, understand the household registration policy. Whether buying or selling second-hand houses, we should do some corresponding preparatory work, such as understanding the market situation, all links and steps of buying and selling, and various precautions. To understand the current household registration policy. The registered permanent residence should have a fixed address, that is to say, a fixed property can be settled. Therefore, if the seller wants to sell a house, he has to consider where the registered permanent residence will be moved, and when buying a house, it should be clear that the registered permanent residence cannot be moved into the real estate before the seller moves out. Second, investigate and verify in advance. After understanding the current household registration policy, before signing the second-hand housing sales contract and applying for transfer registration to the real estate transaction registration management department, it is best for buyers to personally go to the local police station for verification. Although some sellers promise that the property has no hukou, they still have to go to the police station to verify it. This can not only verify the authenticity of the seller's promise, but also prevent other people's accounts from being passive, such as the account when the seller bought a house before. If an intermediary agency is entrusted for verification, it shall require the intermediary agency to issue a written verification report and affix its official seal to prevent a small number of employees from having a weak sense of responsibility or cheating. Finally, account transfer clause and breach clause should be set in the sales contract.