I'll eat, eat, eat when I change hands and pour the house.
Mr. Zhang is the boss of a private enterprise. Recently, he wanted to sell his two-bedroom apartment to ease the financial pressure on his business, so he found an intermediary company. The appraisal price of Mr. Zhang's house given by the intermediary company is 500 thousand. According to the advice of the intermediary company, the intermediary will pay cash in advance and buy it. After signing the underwriting agreement and handing over the real estate license to the intermediary, Mr. Zhang Can paid 40% of the house price in advance, and promised to pay off the remaining house price within 30 working days. Later, Mr. Zhang talked about it with a friend. It happened that this friend's relatives bought Mr. Zhang's house through that intermediary, and the transaction price was 550 thousand!
Tips for financial management: When the intermediary proposes to buy your house in cash, it must be that the price of your house is lower than the actual price, and there is room for the intermediary company to eat the difference. Even some unscrupulous intermediaries will pretend to be individual buyers to negotiate house prices with the owners, and go to the notary office to handle the notarization of house sales, thus completing the acquisition. And the selling price of the intermediary after the house is closed will definitely make you stunned and sigh "it's too late to regret."
Precautionary measures: First, remember that property transfer is the key to selling a house. Just doing notarization, not buying and selling real estate in the legal sense; Second, buyers and sellers must meet, sit down face to face and talk about the price, and formally sign the House Purchase and Sales Contract. Never end up causing your own economic losses through the intermediary.
Attractive advertisement, trap you first.
Miss Liu saw the houses published by an intermediary company in the newspaper and felt very ideal. She consulted the intermediary company through the contact information in the newspaper. The other party said that the house was still there and strongly invited Miss Liu for an interview. After Miss Liu arrived at the store, the intermediary signed an entrustment agreement with Miss Liu and strongly recommended other houses for her. Miss Liu was repeatedly urged to be told that the house in the newspaper had been sold. Later, Miss Liu saw a house in a newspaper advertisement that was said to be only 10 minutes away from a certain place. After that, I took the bus to see the house for 40 minutes under the guidance of the intermediary, and the intermediary said that the distance of 10 minutes was counted as driving.
Tips for financial management: Illegal intermediaries lure renters into taking the bait by publishing some false housing information with good conditions and low rent in newspapers and online. When the renter expresses his intention to rent a house, he will recommend other houses to him on the grounds that the house has been rented out. Consumers should identify the advertisements of intermediaries.
I'll make money if you sign the bill, at least there will be liquidated damages.
Mr. Peng registered an intermediary company and wanted to buy a house of about 300,000 yuan according to his affordability. He selected a house of 400,000 yuan under the recommendation of an intermediary company, and transferred a mortgage loan through the intermediary company. Mr. Peng's one-time payment is just enough for 20% down payment and agency fee. Immediately, Mr. Peng signed a sales contract and paid the agency fee and deposit. The subsequent changes caught Mr. Peng off guard. The bank told him that according to Mr. Peng's situation, he could only provide 70% of the loan, and Mr. Peng had to cancel the contract and was forced to deduct the agency fee as liquidated damages according to the contract.
Tips for financial management: In order to facilitate customers to make a transaction, intermediary companies often downplay the risks in the transaction process and make general commitments to relatively professional contents such as loans, while consumers fail to implement many details in the contract, resulting in ultimate losses. Therefore, buyers must be cautious.
No commission is a small loss. I want to make a lot of money for you.
When Miss Xu first arrived in Beijing, she took a fancy to a two-bedroom rental house claimed to be commission-free by an intermediary company. The intermediary company told Miss Xu that the monthly rent is 1800 yuan, and the payment method is annual payment. She has to pay the rent of 265,438+0 600 yuan in one lump sum. Miss Xu, who was eager to settle down, thought it was cost-effective to save 1800 yuan by exempting the commission, so she signed a one-year contract with the intermediary company in desperation. After paying the money to move into the rented house, she learned from her neighbors that the intermediary rented the house from the owner for a whole year at the monthly price of 1500 yuan.
Financial tips: As the saying goes, there is no such thing as a free lunch. Intermediaries often throw attractive propaganda slogans, use various preferential means to gain the trust of the owners, and then buy houses for the owners at extremely low prices, and then take advantage of the fact that renters do not understand the characteristics of the rental market, secretly raising rents substantially and obtaining the price difference. In the above case, Miss Xu seems to have saved the commission of 1800 yuan, but was eaten by the difference of 3,600 yuan.
Precautionary measures: when renting a house, you must sign a rental contract with the owner himself and compare the prices of the selected houses.
I planted a sharp knife bomb in the contract, which is not negotiable.
Mr. Hu took a fancy to a house in an intermediary with a total house payment of 280,000 yuan. At that time, the intermediary vowed that the house must be 7 1 square meter. So he quickly signed the "Commitment Letter for Paying Intermediary Fees" with the intermediary company, and then signed the "Real Estate Sales Contract" with the seller. The contract strictly stipulates the breach of contract between the buyer and the seller, including "If one or both of the buyer and the seller violate this contract or cancel this transaction without authorization after the signing of this contract, the defaulting parties shall pay the broker a penalty of 6,543,800 yuan". After paying more than 654.38 million yuan, Mr. Hu discovered that the intermediary did not mention the pool area of the house, and the actual use area of the house was only. Since Mr. Hu bought and sold the whole house at the contract price, there is no provision on how to compensate for the deviation. Mr. Hu said that at that time, the contract was not calculated on a per square meter basis, and only one set was used for the transaction. Unexpectedly, I was cheated. When he raised an objection, the intermediary said that Mr. Hu's failure to continue to perform the contract constituted a breach of contract.
Financial Tips: At present, in the contract text of intermediary companies, the provisions on the protection of intermediary rights are very strict, but the provisions on intermediary obligations are obviously insufficient.
Precautionary measures: When signing the contract, the buyers must read the full text patiently, put forward the requirements of amending unreasonable clauses in time, and fill in the contents of their due rights and interests in the blank. If you don't need to fill in, you should also draw a horizontal line to prevent the other party from filling in useful content in the blank.
Since it is an all-inclusive contract, the risk is of course borne by you.
At the end of last year, Xiaozhai was going to marry his girlfriend. The two decided to choose a second-hand house with relatively cheap price and complete facilities, so they selected a set of 102 square meter second-hand commercial house at the end of March last year through an intermediary company. The owner demands to pay the house price of 610.2 million yuan at the price of 7,000 yuan per square meter (this price is slightly lower than the market price), and does not bear all other expenses. In order to facilitate the transaction, the intermediary made a budget for Xiaozhai according to the relevant charging standards at that time, ensuring that if Xiaozhai paid all the expenses, the relevant procedures would not exceed 20,000 yuan, and the total cost of buying a house would still not exceed the market price. After weighing, Xiaozhai felt that the cost performance was higher. So after three-way negotiation, Xiaozhai signed an all-inclusive contract with the seller. But who would have expected that in May last year, seven ministries and commissions issued a notice on the collection of business tax, and levied a business tax of 5.5% of the turnover in full on houses purchased for less than two years. The house chosen by Xiaozhai is just within the scope of business tax collection. According to the contract, this extra cost should be borne by Xiaozhai, which means Xiaozhai must suddenly add more than 30 thousand yuan of business tax outside the budget.
Financial tip: There are certain risks in the all-inclusive trading model, and many informal intermediaries will blur the possible risks in order not to affect the transaction.
Precautionary measures: each expense should be clearly implemented in the contract, and a list of expenses should be attached to the contract to calculate the related expenses in detail.
Take it easy, the supporting facilities of the house are mine.
(The above answers were published on 2015-12-10. Please refer to the actual situation for the current purchase policy. )
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