What are the risks of buying a house faster?
1. Property attribute of auction house.
If you shoot a house by buying, you must foresee the possible risks. For example, the life of the auction house, the nature of land transfer, or the danger of not getting the real estate license. Because if you allocate land, if you buy a house, you need to pay the land transfer fee. If it is a pre-sale house, there is probably no way to get the real estate license immediately, and there may be a second dispute. If the property auctioned in France has a lease contract, then after buying the property, the real power holder has the right to get it back, and then the buyer will get into more disputes.
2. Have a long-term lease contract.
If the purchased property has a long-term lease contract, the purchaser has no right to evict the tenant, even if the purchaser owns the house, he has no right to evict the tenant. Even if you apply to the court, it is useless, that is, the buyer can't move into the house. Because the laws of our country stipulate that the lessee has the right of residence during the contract period, even if the house is forcibly sold.
3. Risk of unpaid taxes and fees.
If the purchaser does not know in advance whether there is any default in water and electricity fees and property fees, he needs to pay these fees in full after purchasing the house.
How to handle housing loans according to law?
1. Before the loan, the borrower needs to fill in the Application for Housing Mortgage carefully and submit the following supporting materials to the bank: the certificate that the borrower has a fixed economic income filled out by the borrower's unit. Business license and legal person certificate of the loan guarantor.
Legal and valid identity certificate of the borrower. Documents related to housing rights in accordance with the law or housing certificates that I have the right to control. Appraisal report, appraisal report and insurance certificate of mortgaged property. Contracts, agreements or other supporting documents for the purchase and construction of houses. Other documents or materials required by the lending bank.
2. The bank conducts a detailed review of the borrower's loan application, house purchase contract and agreement and other related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping.
4. The guarantors of both lenders need to sign a mortgage loan contract and require notarization.
5. After the loan contract is signed and notarized, the bank may transfer the borrower's deposits and loans to the house selling unit or building unit specified in the purchase contract or agreement.