Trap 1: Misappropriation of advance payment
During the transaction, the intermediary will ask the buyer to hand over the house payment to the intermediary, and the intermediary will hand it over to the seller. The efficiency of each city is different, and the house payment will stay in the hands of the intermediary for about 7 days to 15 days. Intermediaries do other things for capital turnover. There are even cases where intermediaries abscond directly with money.
Countermeasures: In the transaction, apart from the agreed intermediary fee, it is best not to let the intermediary "touch the money", which is clearly stipulated by the Housing Authority of some cities. No matter how sweet the intermediary talks, don't let a large sum of money fall into the hands of the intermediary company.
Trap 2: secretly eating "price difference"
Making up excuses to prevent buyers and sellers from meeting, intermediary companies "eat the difference" has been an open secret of some illegal real estate agents.
Countermeasures: To break the monopoly of intermediary companies, we must always meet or communicate with the original owners to prevent the intermediary companies from cheating.
Trap 3: the risk of "yin-yang contract"
In the second-hand housing transaction, "negative contract" shows the real transaction price of buyers and sellers, while "positive contract" is different according to the use demand. One is to hand over the inflated house price contract to the bank to apply for more mortgage loans; The other is to fill in a low-priced contract and hand it over to the real estate trading center for transfer, so that you can pay less taxes.
Countermeasures: There are many risks in "Yin-Yang Contract". For example, when the buyer changes hands again, because the purchase price registered in the real estate trading center is lower than the actual transaction price, when calculating the business tax, the value-added amount as the tax basis is far greater than the actual value-added amount, so it does not save money, and even pays more. In fact, when the buyer really pays the deed tax, the relevant departments must also evaluate the housing price of the lot, and the buyer still has to pay taxes according to this standard in the deed tax.
Trap 4: There are no details about arbitrary charges.
The price of some second-hand housing intermediary companies is opaque. The all-inclusive price includes all the house payment, deed tax and agency fee that the buyer has to bear. However, the intermediary company will not clearly inform the buyer of the detailed fees to be paid in the transaction, and will also get additional benefits from it.
Countermeasures: When you first contact with an intermediary company, you should ask about all kinds of charging items. Intermediary companies had better make a detailed list, indicating the specific amount of each service. In particular, some service projects should not be carried out without authorization, and prices should not be raised without authorization. It can also be indicated in the power of attorney.
Trap 5: overlord clause
Any contract or other legally binding document that unilaterally claims its rights without talking about or diluting its obligations can be regarded as a overlord clause. Intermediary companies generally have standard contract samples, except for mandatory samples issued by government departments, which are generally self-made samples, because the terms inside are very beneficial to them.
Countermeasures: Carefully scrutinize the contract text, and don't sign it hastily, because in the event of a dispute, these legally binding documents will be very unfavorable to the buyers. If the buyer disagrees with the terms of the contract, he can sign a supplementary agreement with the intermediary company. At the same time, it should be noted that intermediary companies may not necessarily use government-designated contract samples, but some favorable terms for buyers are not allowed to fill in, or deliberately say that those terms are not important. If you can bring a friend who knows the law, it would be more ideal to sign a service agreement with an intermediary company.
Trap 6: publishing false information
In order to increase the number of customers, some intermediaries deliberately publish some false information with attractive conditions to attract buyers, such as lying about the age of the house, tampering with the floor, scribbling the floor plan of the house, and sending fake newspaper advertisements. After they cheated the buyers, they immediately signed a service agreement, paid the information fee or commission, and then found an excuse to say that the house had been sold, so as to occupy the commission.
Countermeasures: property buyers can consult regular intermediary companies, which are familiar with the market and can accurately estimate the housing price; You can also ask people who have experience in buying second-hand houses. Never covet small profits and give some illegal intermediaries an opportunity.
Trap 7: Cash Receipt
Some illegal intermediaries use their own business advantages to design various traps in order to obtain housing and illegal income. Among them, in view of the psychology that most sellers lack professional experience and are eager to cash out their houses, they attract unsuspecting owners through "cash out" and other forms, buy at a low price, monopolize the houses in their own hands, and then sell them at a high price to obtain the difference.
Countermeasures: First, remember that property transfer is the key to selling a house. Don't pay, hand over the house for quick transaction. Remember not to save trouble, just give the real estate license to the other party and then take the money. Just doing notarization, not buying and selling real estate in the legal sense; Second, buyers and sellers must meet and formally sign a house sales contract. Third, don't let the black-hearted intermediary take advantage of it. For owners who are eager to save trouble with money, don't listen to the temptation of black-hearted intermediaries and choose the way of "cash acquisition" to sell houses.
Trap 8: Transfer of Property Rights
Property buyers may think that as long as they pay for the goods, the house must be their own. Before the formal transfer, the property right still belongs to the seller, and some houses can be closed. In order to facilitate the transaction, some intermediaries let the buyer pay off the house payment before the transfer. When the buyer pays the house price, the property right cannot be transferred, and the buyer may fall into a situation of "money and house are empty" afterwards.
Countermeasures: it can be agreed in advance that a small part of the expenses will be paid to the seller before the formal transfer, and the rest of the house price will be paid to the other party after the formal transfer. If the seller doesn't agree, he can entrust the house payment to the bank, and it is agreed that only the signatures of both parties can be withdrawn. In short, it is necessary to "see the rabbit and not scatter the eagle."
(The above answers were published on 2015-10-13. Please refer to the actual situation for the current purchase policy. )
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