As I said before, the process of auction house is relatively complicated compared with normal sales. Now there are also intermediaries specializing in housing auction, which can provide complete services for the purchase process. From the perspective of samples->; Auction-"; Loan-"; Transfer ownership.
2. Other expenses
The auction house has some hidden fees. For example, a bank loan requires the designated guarantee company to issue a letter of guarantee first, and the guarantee fee shall be borne by the buyer. Other property fees, water, electricity, gas, cable TV, etc. It is also verified and processed by the buyer. But on the whole, the current price still has an advantage.
At present, the third-party agency introduced by the court specializes in matters such as identification, completion of real estate reports and loans. There are other intermediaries specializing in housing auction, which are the same as second-hand housing sales intermediaries.
3. Housing disputes
This is a concern of most property buyers. What needs special attention is that the debt dispute law is very clear about the publicity of houses, so there is no need to worry about this. The main concern is whether the house has a long-term lease and whether the house has been vacated.
Understand the main points of the auction house 1, and whether there is a long-term lease.
This is the most important thing to note. There are some explanations in the detailed introduction of real estate in France, but they are not necessarily accurate. It is best to decide whether to participate in the auction after the professional licensing agency has done due diligence.
2. Is the account occupied?
We can't see the details of this auction in France, and the court has no right to forcibly move out, so we can only consult clearly in advance. Although the auction of the house does not affect the bidder's household registration, if the original landlord's household registration does not move out, it will affect the price of the bidder's secondary sale in the later period (different local policies).
3. Whether there are other houses in arrears.
Other property fees, water, electricity, gas, cable TV, etc. It is also verified and processed by the buyer.
4. Is the house empty?
No matter whether the house is emptied or not, this method will introduce the details of the house, and others will not or are not allowed to cut it. Consult clearly when you want to see the samples on the spot. The normal court will be responsible for vacating the house after the shooting, but if it encounters Lao Lai, it will maliciously destroy the original decoration when clearing the scene. Although it is rare, there are very few cases listed every year.
5. Auction of housing loans.
The house loan by law shall be handled by the designated bank. Please note that personal information needs to be reviewed in advance. If you want to bid for a house, you need to check whether the bank will lend money in advance. Again, this is very important. You must check it in advance, otherwise you will not be able to pay on time and default after the auction. The loan policy of the auction house is the same as that of the second-hand house sale. But the difference is that the guarantee company needs to issue a letter of guarantee, and the bank will settle the final payment of the court first (about 10 working days), and the guarantee fee will be borne by the buyer.
6. The house transfer tax shall be paid by itself.
What needs to be understood in detail is whether the house property right certificate has been issued for 2 years. There is no value-added tax for those who have completed 2 years, and they only need to pay individual tax and deed tax.