But there are preconditions:
The transaction objects of the four AMC creditor's rights assets are legally established enterprise legal persons, other organizations and natural persons with full civil capacity, and they should have certain financial strength and good credit conditions. However, state civil servants, staff of financial supervision institutions, political and legal police officers, staff of asset companies, debtor managers of state-owned enterprises, lawyers, accountants, appraisers and other intermediary institutions involved in asset disposal, or non-financial institutions with the participation of the above-mentioned relevant personnel, and people with close relatives, such as staff of asset companies involved in the transfer of non-performing debts, debtors of state-owned enterprises or heads of entrusted asset appraisal institutions, are not allowed to purchase assets in disguise.
Meet the above conditions, do not involve anti-money laundering and evil forces can buy.
Although the investment in non-performing assets has high returns, it also has risks.
Generally, the four major companies sell creditor's rights, not physical assets, so if you buy a house, you need to take over the creditor's rights first, and then get the physical assets through court disposal.
Pay attention to: 1, the problem of making room. If the mortgaged property is occupied, it is more troublesome to vacate the house, because the work style and enforcement of each court are different, which may lead to risks such as slow progress in vacating the house. If the mortgagor is the only house, some courts need you to help the mortgagor rent a house, and you have to pay the rent, which will take about half a year. (Talk about China's so-called humanitarianism. There is no need to treat Lao Lai humanely. )
2. Obtaining creditor's rights does not necessarily mean obtaining physical assets. If you only invest in the creditor's rights for the house, you need to pay attention! Mortgage is only the priority right to receive compensation from the auction price of collateral, and it may not be possible to get a house. Unless the house can't be traded after one auction, two auctions and sale, you can apply for paying debts in kind to obtain the house, or you can directly negotiate with the mortgagor to pay debts in kind. This is the fastest way to get it, but it is very difficult. Non-performing assets can be discussed with the mortgagor in very few cases, and most of them are losses. )
3. Whether the collateral involves taxes and fees, project funds and other issues, under certain circumstances, the repayment order of taxes and fees and project funds is prior to the mortgage.
4. Does it involve leasing? Mainly depends on whether the lease time is before or after the mortgage. If it is rented before the mortgage, the lessee cannot be required to move out before the lease expires. It doesn't matter much to rent a house after mortgage.
That's all I can think of. If you have any questions, you can ask me or trust me privately!