2065 438+06-2065 438+07, many cities across the country restricted purchases and loans. People who already have real estate want to buy another house for various reasons; People who have no house can afford it as much as possible. People who buy a house can always try their best to get the qualification to buy a house and avoid a higher down payment ratio. Here, what I want to talk to you about is that in the context of the property market with limited purchases and loans, some minefields can be left untouched when buying a house. For example, the following:

1, fake divorce to buy a house

In some cities' housing policies, there are restrictions on buying houses through fake divorce. For example, Shenzhen stipulates that families in this city are limited to 2 suites; The city's single (including divorced) purchase restriction 1 suite; In this way, couples who buy houses by fake divorce actually buy no more than two houses.

Beijing has more restrictions. After two years of divorce, you can buy a house according to the down payment ratio of the first suite. In this way, it is not feasible to enjoy the down payment ratio of the first suite by buying a house through fake divorce.

Let's not talk about the impact of these policies on fake divorce, but from the perspective of fake divorce and buying a house, fake divorce itself has great risks.

First of all, if you are not careful, a fake divorce will become a real divorce. From a legal point of view, whether it is a fake divorce or a real divorce, since you have received a divorce certificate, it is a real divorce. Divorce also involves property division. Fake divorced couples usually transfer their property to the name of one room, and then the one without a room will buy a house. Really divorced, if there is a real estate dispute, the rights and interests of the party without a house can not be guaranteed.

In addition, after the fake divorce and remarriage, the ownership of property has also changed. From the legal point of view, the original property of husband and wife has become the personal property of one party before marriage. If divorce really happens in the future, the court will not divide the property according to the husband and wife.

2, fake marriage to buy a house

In some restricted cities, foreigners need to pay social security for a certain number of years when buying a house, while local accounts are not subject to this restriction. At most, there is a limit on the number of purchases. Therefore, some people buy houses by means of fake marriage with local people, and then divorce after buying a house successfully.

Fake marriage, like fake divorce, is a real marriage in the legal sense and has legal interests. The risk of fake marriage is also great, for example, marriage is easier than divorce; One party is unwilling to divorce, leading to court; Disputes over the division of real estate caused by one party coveting the property of the other party; The couple divorced first, and one party divorced after marrying the local people and buying a house successfully. It turns out that divorced couples are more risky to remarry. If it is not good, it will affect the relationship between husband and wife.

It is illegal to forge marriage certificates and divorce certificates for buying a house.

Step 3 buy a house by name

Buying a house under the name simply means buying a house in the name of others, that is, paying for it yourself. The name registered on the real estate license is the name of others, and the actual property owner of the house is the investor. There are many reasons for buying a house under the guise, such as:

Because one party has not paid a certain number of years of social security, it is temporarily ineligible to buy a house, so it borrows the name of a qualified person to buy a house.

Due to the large number of properties, one party is restricted from buying houses again and borrowing others' names to buy houses.

Because one party has a previous loan record or already has a house, the down payment ratio of buying a house is relatively high. In order to avoid the high down payment ratio, one party borrows the name of the party with low down payment ratio to buy a house.

In short, there are many reasons for buying a house under real name, but there are also many risks in buying a house under real name.

For real-name buyers, first of all, there is no registered investor's name on the property right certificate. If the registered owner of the house sells or mortgages the property privately, the rights and interests of investors cannot be guaranteed. In addition, if the registered obligee has debts and the house is sued by the creditor, the court may seal up the house.

For the registered obligee, the risk is also great. First of all, it will affect your qualification to buy a house. In addition, if you buy a house with a loan, it will affect your future down payment ratio and loan interest rate. More importantly, once investors fail to repay their mortgages on time, their credit records will be affected.

Don't touch these minefields when buying a house. After all, the risk is too great.

(The above answers were published on 20 17-05- 17. Please refer to the current actual purchase policy. )

Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.