My little brother shared a real case today. He sold a second-hand house on 20 16 and paid a deposit of 20%. Because he hasn't got the first-hand certificate yet, he can't transfer the ownership until 20 18. Two years have passed, and house prices have risen by two.
In the end, the seller finally chose not to sell because of the soaring house prices. In desperation, the buyer brought a lawsuit to the court, demanding that the seller not only compensate for the down payment of the house purchase, but also compensate for the house purchase price difference missed in the past two years. The case was not officially closed until 20 19. How was the trial? Dude, we'll talk later.
On this issue, first of all, we need to know how long it will take for this second-hand house to last for two years. If it takes more than half a year for two years to be full, my brother suggests not to do so. Second-hand housing transactions have a complicated process.
The longer the transfer time is delayed, the greater the risk of the transaction. Notarization can only show that the house has this transaction information and how much money the buyer gave the seller, but it can't guarantee that the transaction will go smoothly. During the period from payment to transfer, the seller is still the legal property owner of the house.
It can be said that there is no practical significance of notarization at all. What are the risks of being away from home for a long time? Brother, let's share it below
1. Due to policy reasons, the national housing purchase policy often changes. For example, in July this year, Dongguan just introduced a sales restriction policy, and the real estate license cannot be transferred within three years. In addition to the purchase policy, changes in the bank loan policy may also lead to unsuccessful transactions.
The real estate market fluctuates greatly, and the market situation may be different every year. The house bought this year may rise by hundreds of thousands or fall by hundreds of thousands next year, which will directly affect the mentality of buyers and sellers before the real estate license is officially transferred.
That's human nature. Once there is a conflict of interest, the previous vows of eternal love will be gone, because there are still many people in this situation. The case mentioned earlier was that the seller breached the contract because of market fluctuation, and finally the buyer won the case. In addition to the 20% deposit, the seller has to compensate the buyer for the price difference of the house that he hasn't seen for two years. It's really a loss of wife and soldiers.
3. Uncertainty of property rights. Due to the long transaction time, the property owner may have family conflicts or accidental casualties in this process, which will lead to the transfer of housing property rights, such as property analysis or inheritance.
As mentioned above, the financial uncertainty of the seller still belongs to the seller. If, while waiting for the transaction, the seller has financial problems and is unable to repay, the debtor can directly apply to seal up the house and finally auction it. What I want to say is that the first beneficiary of the auction is the bank, not the individual.
The above risks may lead to both housing and finance, and you need to be cautious after two years. Finally, my brother reminded me to avoid risks correctly so as not to lose more than gain.