Case 1: The owner "left" after the buyer redeemed the deed.
In March of this year, the buyer Xiao Wang took a fancy to a two-bedroom apartment in Panyu Dashi, 1.2 million, but there were still 300,000 loans that could not be transferred. Therefore, the owner Mr. Li asked Xiao Wang to help repay the loan. Xiao Wang quickly paid 300,000 yuan to redeem the deed. However, Xiao Wang could not contact Mr. Li soon. Xiao Wang suddenly realized that the original owner had left with the money! Xiao Wang took Mr. Li to court, and the court also ruled that Mr. Li would return 300,000 foreclosure fees and pay related losses, but Mr. Li did not know where to go, and the repayment date was far away.
Expert opinion:
"It is one of the most common risks in second-hand housing transactions for buyers to help owners redeem their buildings." Xie Gan explained that one kind of risk is that the buyer gave money to redeem the deed, and the owner did not redeem the deed after getting the money, so he took the money and left directly, resulting in the buyer losing hundreds of thousands. Another risk is that the house is redeemed and the owner refuses to sell it. In both cases, the buyer's funds are damaged. He suggested that if the buyer is required to pay the house deed in advance, the buyer and the seller agreed to sign a detailed payment contract, which stated that "after the payment of the house deed is funded by the buyer, if the transaction cannot be transferred or the transaction cannot be continued due to the seller's reasons, it is a breach of contract by the seller, and the seller should pay the buyer a penalty equivalent to 20% of the total house price".
Case 2: The final payment "flies" after private transaction transfer.
The seller, Mr. Zhang, recently wanted to buy an improved house in the form of "sell one get one free". Considering that both buyers and sellers don't have to pay agency fees in private transactions, Mr. Zhang met the buyer Miss Chen through a friend's introduction. Miss Chen is satisfied with Mr. Zhang's house. The two sides quickly signed a house purchase contract and completed the transfer procedures. However, when the name on the real estate license was changed to Miss Chen's name, Mr. Zhang could not contact Miss Chen, and even the balance of the house was not received. Mr. Zhang suddenly realized that he had been cheated, but because there was no online signing and tripartite contract, there was nowhere to complain.
Expert opinion: With the gradual transparency of second-hand housing transactions, the rights and interests of both buyers and sellers are guaranteed, and second-hand housing transactions are very safe. However, because some owners and buyers are greedy for cheap and try to take shortcuts, there will still be various situations. A senior intermediary told reporters that when the buyer and the seller agree to sign a formal tripartite agreement, sign a face-to-face bank contract, and have financial disputes, they can issue various transfer materials to safeguard their rights and interests.
Case 3:
Intermediaries charge high commissions for raising house prices.
Not long ago, Ronaldinho found that an intermediary near his rented community began to promote the business of buyers charging 0.5% commission. Considering that it is convenient to find an intermediary at home, Ronaldinho contacted the intermediary and successfully purchased a small three-bedroom apartment at a price of 1.65 million yuan. Recently, he found that houses with the same conditions generally only sell for 6.5438+0.6 million yuan, while his house is nearly 50,000 yuan higher than other houses, which is puzzling. Later, after many inquiries, Ronaldinho understood the truth. It turns out that "the commission only starts from 0.5%" and "the commission only starts from 0.5% of the buyer" are different. The intermediary stipulates that the buyer and seller should charge a commission of 3%, because when the buyer doesn't receive that much money, he will charge the seller a commission, and the seller actually passes the commission charged by the intermediary on to Ronaldinho through the house price.
Expert opinion:
The commission is linked to the broker's commission. For more income, brokers are naturally willing to cooperate to raise prices. Therefore, it is recommended that property buyers fully understand the average housing price in the region before buying a house to prevent paying too much.
(The above answers were published on 20 15-07- 16. Please refer to the current actual purchase policy. )
Click to view more comprehensive, timely and accurate new house information.