The reporter learned in Yuzhong District Real Estate Trading Center that due to the recent large volume of second-hand housing transactions, the number of second-hand housing transaction consultants received by the information desk has also doubled. According to the staff who received the consultation at the transaction transfer site, with the active second-hand housing market, there are more and more consultations and disputes about second-hand housing transactions.
"There is an online sales process, but the personalization of second-hand housing transactions is too strong, such as multiple property rights, such as the original mortgage. What if I buy a haunted house? If there is a problem with the new house transaction, find the developer. What are the guarantees for the transactions between buyers and sellers of second-hand houses? " Mr. Li of Dashiba, Jiangbei District, said that in addition to doing a good job in raiders, there are still many professional issues that need to be consulted and popularized.
Below, the reporter will sort out the most common problems in the current second-hand housing transactions through interviews and summaries, and clarify the thorny issues in the second-hand housing transactions for the public.
About housing: online housing should be verified through various channels, and seeing is believing.
At present, citizens' second-hand housing information mainly comes from two channels-network and second-hand housing intermediary stores. Ms. Zhu, who lives in Mahuliang, said that she took a fancy to a three-bedroom house at that time. At that time, the online listing price was more than 800,000 yuan, but when she called the agent who left the phone number, the other party said that the house was gone, so she gave me other houses in their company and recommended several new houses in Dazhulin. In the following days, harassing calls to recommend houses continued.
This is a "fishing" strategy commonly used by general intermediaries. First attract customers with low-priced houses, and then master customer contact information to promote other houses. Therefore, the relevant person in charge of Chongqing Chain Home suggested that these four types of online selling houses should be cautious: 1, and the house price is far lower than the average price in the same region; 2. Whether the viewing platform promises false housing compensation; 3. Whether the picture matches the listing information; 4. The list does not reflect key information, such as taxes and fees.
About the transaction: beware of the consequences of "low" housing prices in the yin-yang contract
The so-called yin-yang contract is a contract signed by the buyer and the seller through an intermediary. For example, on the one hand, the intermediary company promises to sell it to the seller at a price of 600,000 yuan, and on the other hand, it sells it to the buyer at a price of 750,000 yuan, so that the intermediary can sign a "yin and yang contract" with the buyer and the seller respectively. At the same time, we should write the terms related to the intermediary into the contract, and pay attention to the hidden traps in the contract. In addition, it should be noted that housing intermediary companies will not sign normative contracts or intermediary agreements.
"Low price" has become a "hidden rule" in second-hand housing transactions. In addition to violating relevant laws and regulations, the seller may also face the risk of not receiving the full payment in time, and it is difficult to defend his rights; For property buyers, they can only apply according to the low online signing price, which may reduce the loanable amount of property buyers' loans. If 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.
About transfer: five risks may not be able to transfer.
The change of property rights is subject to the registration of real estate, and the transaction is initially completed after the transfer formalities. The substantive step of the transaction is transfer. "At the beginning, I took a fancy to a second-hand villa in Nanshan because the original owner dug a basement of nearly two meters, which can be used as a garage, and later found that it could not be transferred." Mr. Luo, who intends to buy a second-hand villa, said that the house was illegally built, which made it impossible for him to transfer ownership when trading with the original owner.
According to the person in charge of the purchase of second-hand housing in Jia Lian, there are illegal building, mortgage (bank loan not paid off), restrictions (policy changes lose the qualification to buy a house), court seizure (the house was seized due to debt problems), and the property owner is unaware (the spouse does not agree to sell the house), which may lead to the inability to transfer the house.
About the closing of the house: the closing of the second-hand house is more complicated, and it takes 8 steps to complete the handover.
The last procedure for the sale of second-hand houses is to hand over the house, which is more complicated than the new house. One * * * takes eight to achieve.
1, the seller vacated the house;
2. The buyer and the seller are present (if there are tenants, they need to be present);
3. List of facilities and equipment (the seller shall accept ancillary facilities, decoration, additional home decoration, etc.). );
4. Transfer of water, electricity and gas (the seller needs to settle the arrears of water, electricity, digital TV, telephone, broadband and gas, and handle the transfer. );
5. Settlement of property fees;
6, account migration (confirm whether the seller's account has moved out, degree inquiry, buyer's account migration);
7. Take the key and change the door lock;
8. Sign the property delivery form.
In addition, the reporter also visited a number of intermediaries and related responsible persons. According to their professional experience, there are indeed many problems in second-hand housing transactions, such as housing selection, transaction norms, division of powers and responsibilities and so on. Some insiders said that there are three important steps in buying a second-hand house: first, choosing a reliable intermediary is more important than reliable housing; The second step is that the ownership of property rights and the standardization of transaction processes are more important than concessions; The third step is that the terms of the mortgage contract are more important than the signing progress.
Link: Don't be fooled by buying a house. Be sure to read 3. 15 Don't ignore the knowledge of buying a house.
In view of the complexity of commercial housing transaction procedures and many legal provisions, most consumers lack professional knowledge. In order to spread the knowledge of second-hand housing consumption, guide scientific and rational consumption, and solve the common problems in the process of consumers buying houses. During "March 15" this year, the consumer education public welfare reading book "Knowledge of Buying a House Can't be Ignored" compiled by China Consumer Newspaper in conjunction with some urban consumer associations (committees and consumer protection committees) and supported by Chain Home Network will be given to consumers free of charge on "March 15" as a reference when buying a house. This book is compiled according to the current national laws and regulations, combined with the experience of chain home in daily service. Popularize the knowledge of buying houses for consumers, reduce the risk of buying houses, and protect the legitimate rights and interests of consumers in the process of buying houses from infringement.
The following excerpts are some ways to avoid risks in second-hand housing transactions:
1. When buying a house, you encounter a fake house: after the buyer pays the house price, the buyer may abscond with the money, and the buyer is in danger of "losing both the money and the house". Therefore, buyers looking for houses online should learn to distinguish between real and fake houses, and the most important thing is to choose reliable intermediaries and websites. In addition to verifying the housing with the intermediary, it is also necessary to verify with the property and the owner.
2. The seller reneges on the price increase after signing the contract: when signing the second-hand house sales contract, the liability for breach of contract and the calculation method of compensation for losses should be clearly stipulated to increase the cost of breach of contract. For example, in the contract, the buyer and the seller can stipulate that the defaulting party will pay double deposit or 20% of the total house price due to unilateral breach of contract to restrain the seller's behavior.
3. The signatory is an unauthorized agent or purchases a minor's property: If the signatory of the sales contract is an unauthorized agent, once the seller pays the house price, it may cause the money and the house to be empty. Therefore, before signing the contract, we must confirm the identity of the agent and ask the agent to provide a valid power of attorney or statement. If you buy a property under the name of a minor, you need his legal guardian to sign a contract, and you need his guardian to provide the correct name of "guardian qualification" and a statement that "the sale of the property is in the interest of the minor".
4. The seller returns the deposit after receiving it: When signing the subscription book, it is necessary to see clearly whether it is "deposit" or "deposit". If it is a "deposit", the buyer needs to be vigilant and urge the seller to change it to a deposit. Generally speaking, large formal intermediary companies will play the role of coordination and protection, and try to choose larger intermediary companies with more standardized procedures to purchase houses.
(The above answers were published on 20 17-04-27. Please refer to the actual situation for the current purchase policy. )
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