Although buying a house in partnership can alleviate the pressure of buying a house, this way of buying a house still has to bear certain risks. In the middle of last year, Mr. Duan and his good friend bought a house in partnership. Recently, due to the urgent need of money by my good friend, I decided to sell this suite in advance. The two sides did not reach an agreement on whether to sell the house, which led to conflicts between friends.
It seems that although "Pingzu" can complete their investment dream in time, there are also many risks hidden in it. So, what are the procedures for buying a house in partnership? What problems should be paid attention to in order to avoid risks reasonably?
There are four major risks in cooperative housing purchase:
First, take advantage of risks. "Partnership to buy a house" belongs to the property of all investors. In the process of using and selling, the decision-making power is difficult to belong to one person. How to rent the purchased house? To whom? If the partnership lenders live together, how should the housing use area be allocated? How to coordinate the good position and the bad position becomes a difficult problem;
Second, the risk of cooperation. If one party who buys a house with a partnership loan is ready to sell or rent the house, but the other party does not agree, who has the right to decide at this time? In addition, after the house is sold or leased, how to allocate the rent or sales income needs to be agreed in detail;
Third, market risk. What should the two partners do once the property market is cold and house prices fall? How to share the loss of cooperative housing purchase?
Fourth, for two or more individuals who purchase ordinary houses of 90 square meters or less, and one or more of them has a purchase record, the preferential deed tax policy for the first purchase of ordinary houses does not apply to both buyers of this property. If their "partnership house purchase" plan in MISS ZHOU is successful, they will not enjoy the preferential treatment of the first suite in the future, because they are all property owners.
If you have decided to be a "flat-footed family", there are some procedures that must be clearly written when both parties cooperate. For example, if unrelated people buy a house in partnership, it is best to sign a partnership agreement on the real estate license in addition to their respective property rights, and make detailed provisions on the right to use, dispose of and income distribution of the real estate to avoid disputes in the future. Second, the agreement stipulates the ownership of their respective property rights, the risks borne by the investment, the proportion of income and other details, which need to be signed by all parties and notarized at the notary office if necessary.
(The above answers were published on 20 15- 12-03. Please refer to the actual situation for the current purchase policy. )
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