There are probably six hidden risks in the second-hand housing transaction, and both buyers and sellers need to be vigilant so as to prevent and control the transaction risks.
Hidden danger 1: unclear property rights of houses.
Who is the owner and whether the house is mortgaged, you can conduct property right investigation through the trading center. When investigating property rights, you need to know the details, such as the age of the house, and the network information may be inaccurate, but for some husbands' houses, the age of the house is particularly important. If the house is too old, there will be problems when getting a loan. In order to control risks, banks may only lend 50% or less, and the longest loan period will be shortened, which tests the down payment ability and repayment ability of buyers. Another example is the relocated house, which cannot be listed and traded within three years. Even if the first contract expires, the transfer is risky. If the seller breaches the contract, it is also a waste of people and money for the buyer to take judicial channels, which deserves vigilance.
Hidden trouble 2: There is something wrong with the seller's qualification.
Be sure to verify the seller's information, whether the seller is the owner, and how many owners of this house agree to sell the house. It is impossible to transfer the ownership without the consent of all owners.
Hidden trouble 3: There is something wrong with the buyer's qualification.
Hidden danger 4: There are many bad intermediary scams.
Individual bad real estate agents are not standardized, including secretly "eating the difference" and signing two contracts. Therefore, when signing a housing contract, it is very important for buyers and sellers to meet. In addition, some unscrupulous intermediaries will attract buyers' attention with low-priced houses, so most of the houses that are obviously lower than the market price are fake houses or the houses themselves are flawed.
Hidden danger 5: the house price is not clearly marked.
Regarding the risk of housing prices, this is also a place where disputes are prone to occur. Now many landlords say that "the price is available", and the taxes paid by the original landlord should be transferred to the next home. Which houses are tax-free landlords may not know for themselves. For example, the landlord promised to be "the only house with five years", but it is not the only one after examination, so it may cost more for the next family to collect income tax. If we can't negotiate, it will cause disputes.
Hidden danger 6: "doing low housing prices" is controversial.
"Low price" has become a "hidden rule" in second-hand housing transactions. "Doing low prices" is actually an act of tax evasion, which violates relevant laws and regulations. Sellers may face the risk of not receiving the full amount in time, and it is difficult to defend their rights; For homebuyers, they can only apply according to the low online signing price, which may reduce the loanable amount of homebuyers' loans and increase the risks of homebuyers; When the house is sold again in the future, if the tax is calculated according to the difference, it will increase the difference and increase the corresponding taxes and fees.
(The above answers were published on 20 17-0 1-03. Please refer to the actual situation for the current purchase policy. )
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