Real experience of the second mortgage transfer of auction house
Restricted purchase: Except for a few cities such as Beijing, Guangzhou, Shenzhen, Foshan, Xiamen, Jinan, Nanjing, Shijiazhuang and Zhuhai, it is not affected by the restricted purchase policy. However, there are also unlimited houses in Beijing. Whether or not to lend: It is consistent with the ordinary second-hand housing loan recognition and interest rate, but the process will be slightly different. Because the approval time is limited (the final payment needs to be paid within 10 working days), it is recommended to pre-approve the loan in advance. (However, because the legal auction is to lend money first and then mortgage, there must be an intermediary). Tax issue: consistent with ordinary second-hand housing transactions. Beijing only needs to pay deed tax at present.
What should I pay attention to when buying a house?
1, the auction house demands the full amount.
Faster housing is cheaper than ordinary commercial housing. Under the same conditions, a house of about 6,543,800 yuan can only be sold for about 700,000-800,000 yuan if it is converted into an auction house. On the surface, the auction house is much cheaper, which reduces the pressure of buying a house. However, the purchase of commercial housing generally requires only 20% down payment, and the rest can be paid by bank loans, while the auction is.
2. The property tax of auction house is higher.
Why is there a house auction in law? It is generally because of huge debts that the owner's capital chain breaks. After bankruptcy, the property was recovered by the bank and handed over to the court for auction. Buyers auction houses by purchase, in addition to paying the purchase price normally, they also need to pay other fees, including deed tax and value-added tax, which add up to a lot.
3. The purchase method does not include after-sales.
Generally, when buying a commercial house, you can communicate with the developer if you have any questions. If there is a dispute or the legitimate rights and interests are infringed, you can safeguard your legitimate rights and interests through litigation and other means. However, the purchase method is different. The court is only responsible for selling the house, and the house is sold regardless. Even if there are some disputes after buying a house, the court is actually not responsible.
What is the real experience of the auction house's second mortgage transfer? What should I pay attention to when buying a house? Through the above analysis, people have a certain understanding of auction houses. In the process of buying back the auction house, we should also understand the differences between various properties, understand the actual real estate situation, ensure the safety of the auction house that people buy, and avoid buying a problematic house because of their negligence.