? A legal auction house refers to a house that is forcibly auctioned by the court. Mortgage default, private lending default, judicial confiscation and ownerless property may all become judicial auction houses. Compared with ordinary second-hand houses, auction houses have the advantages of lower market price, shorter transaction cycle and being unaffected by the purchase restriction policy. At present, judicial auction houses are not restricted in Chengdu. However,' leaking secrets is risky and you need to be careful when you start'. In the past, judicial auction houses were often touched by professionals, and ordinary buyers should pay attention to many obstacles.
2. What should I pay attention to when auctioning houses according to law?
2. 1. Ownership.
Buying a house is most concerned about the ownership of property rights. Some auction houses may auction under the condition that the property right has not been delivered, or the original owner has not obtained the property right certificate. If there is no property right certificate, you need to check whether there is a contract filed with the Housing Authority, otherwise you may not be able to transfer ownership.
2.2. Handling of liquidation affairs.
"Buying and selling does not break the lease". In order to avoid the house being auctioned, some executed persons maliciously signed long-term lease contracts ranging from/kloc-0 to 20 years. In this case, the buyer cannot ask the former renter to move out as the owner of the house. If there are people living in the house during the investigation, it is necessary to determine the relationship between the residents and the executed person, and try to avoid such houses, otherwise it may lead to the inability to hand over the house for living.
2.3. Tax arrears and property arrears.
Tax arrears and property arrears (deed tax, personal income tax, unpaid utilities, property fees, unpaid land transfer fees and auction commissions, etc.). ) The expenses that should be paid for the transfer of the house by auction according to law shall be borne by the buyer. Be wary of whether the last transaction of the house is an inheritance or a gift. If it is inheritance or donation, the tax will increase by 20%.
2.4. Bidding process.
With the tightening of purchase restriction policy and loan policy, auction houses with lower starting prices have gradually entered the sight of buyers, and their transaction prices have also risen all the way. But until the end, no one knows what the final transaction price is, and it is unpredictable whether you can find loopholes. You must think twice before buying a house. If you go back on your word at the auction and refuse to pay the remaining house price, the deposit will not be refunded. And not all auction houses can get loans. Be sure to confirm the actual situation of the house and the payment method and time limit before the auction. Be prepared for the court's "no luck" auction, you may have to face the situation that you can't check in in time. If you choose an auction house, you must have a corresponding understanding of the follow-up things that may be handled.
Although the judicial auction house can be purchased below the market price, there are various risks in the legal auction house, which need to solve many complicated matters such as investigating the details of the house, bank loans, property transfer and so on.