Because the price recorded by the government is low, when the buyer applies for a bank mortgage loan, the bank will comprehensively evaluate the loan according to the recorded price and the evaluated price, and the bank will issue the loan at a standard lower than the actual price. With the tightening of the bank's second-hand housing loan policy, the bank is likely to issue loans at the lower of the filing price or the evaluation price, which will reduce the actual loan amount of buyers and undoubtedly increase the total down payment paid by buyers.

Second, the risk that the loan contract is cancelled by the bank.

Loan contracts often stipulate that when the value of collateral decreases, the mortgagee, that is, the bank, has the right to ask the borrower to provide new guarantees, which is also to protect the priority of the bank. For example, if the value of real estate is 2 million yuan and the bank has borrowed 2.5 million yuan, the bank will only have the priority to get compensation of 2 million yuan, but not more than 500,000 yuan, which is very unfavorable to the bank. Therefore, the bank should stipulate in the contract that when the value of collateral decreases, the borrower should provide a new guarantee.

Third, the risk of excessive taxation.

Some owner-occupied buyers may not consider changing hands again in the future when buying a house, but their plans can't keep up with the changes. If these owner-occupied buyers sell their houses for some reason, they will face high taxes and fees at this time. Because the price recorded by the government is lower than the actual transaction price, if the buyer sells the house again in the future, the buyer may face the risk of bearing high personal income tax and other taxes.

Fourth, the risk of payment disputes.

Doing high and doing low prices will produce two different prices. Although the price signed in the Housing Authority is not realistic, the contract has legal effect. If the buyer had asked to trade at this price, the seller would be in trouble, or he might not receive the full amount, or he would face a lawsuit and might not win the case. Because if the house price is low, a supplementary agreement can be signed separately to make up the difference in the name of "compensation", but if the house price is high, the difference will not be agreed separately through the supplementary agreement.