So a friend who bought a second-hand house asked-looking for an intermediary to see the house, looking forward to getting rid of the intermediary in the future. Is it reasonable for both parties to deal directly? Today, let's take a look. Is it reasonable to deal privately with the owner after seeing the house through the intermediary? What are the risks of private transactions with homeowners?
First, find an intermediary to see the house. If you are optimistic, get rid of the intermediary and trade directly with the owner in private. Is this reasonable?
We all know that buying a second-hand house is much more complicated than buying a new one. The most important thing is the down payment and the intermediate fee. To buy a second-hand house, you should not only prepare down payment, individual tax, deed tax and other miscellaneous expenses. There are two big expenses to prepare, one is the agency fee, and the other is the loan service fee.
These two expenses make many friends who buy second-hand houses particularly annoyed. They always feel worthless. They always feel that there is no need to spend such expenses, and they always feel that such expenses can be saved.
For these friends who buy second-hand houses, the agent just showed me a house. It costs so much that I can watch it online myself. I can also find the owner and the house for sale through the security and property of the community. As a result, many friends who buy second-hand houses have the idea of saving agency fees and loan service fees.
They want to "find an intermediary to look at the house, get rid of the intermediary after optimistic, and directly deal with the owner privately", which not only saves the intermediary fee, but also saves the loan service fee, and reduces the cost of buying a house a lot. What a good deal!
In fact, this practice is extremely unreasonable. In fact, it is an intermediary agent to help you choose a house. This kind of payment is originally a paid service. If you don't want to bear the agency fee and loan service fee, then you can go to the owner without looking for an intermediary at the beginning.
I think people should have a conscience, and others' efforts should be rewarded. On the other hand, what would you think if your boss didn't pay you?
In fact, the same is true. Look at each other, we should respect the intermediary who pays for buying a house for you. As buyers, we should also pay for the services we enjoy. And the intermediary plays an absolute role in the process of buying a house. He can not only help you save the time of looking at the house, but also help you match a good house, handle the follow-up matters of the house during the transaction, and avoid some risks during the transaction.
Second, what are the risks of looking for an intermediary to look at the house, getting rid of the intermediary after looking at the house and dealing directly with the owner?
The first point makes it very clear that it is particularly unreasonable to find an intermediary to look at the house, get rid of the intermediary after looking at the house, and trade privately with the owner. As a property buyer, you should learn to pay for the services you enjoy and learn to respect people. Respecting each other means respecting yourself. It is very important to be a man first and then do things. Moreover, the procedures for buying second-hand houses are particularly complicated, and many contract disputes and economic losses may occur in each link.
Get rid of the intermediary and deal with the owner privately, you will face great risks. If you are not careful, you will lose your deposit, down payment and so on. Let's briefly summarize, what are the main risks of getting rid of private transactions between intermediaries and owners? I believe you will respect the intermediary after reading it. Risk 1, the owner's character cannot be guaranteed.
As the saying goes, Ma Quan has a long-term view and will know it for a long time. It is impossible for buyers and sellers to talk for a short time. When they meet, they will be very familiar with each other and know a person's nature very well.
Buying a house privately with the owner is actually the most difficult thing to guarantee is the owner's character. We must know that the transaction amount involved in the house is very large, and it is not easy for anyone to make money. No one's money is blown by the wind. Therefore, in the process of trading, it is easy to regret placing an order, temporarily increasing the price or misappropriating the down payment, misappropriating the decompression money, misappropriating the down payment and so on.
Once any of the above situations occurs, it will lead to very serious money losses. Just buying a house, there is no need to take such a big risk. Many friends can't pay the down payment for a year or can't pay the down payment.
The second risk is the property right risk of the house.
We must understand that when you really take a fancy to a second-hand house and want to buy it, the intermediary will help you to determine whether the property right is risky again. After all, we cannot avoid it. Some owners have property rights problems, some family disputes, some debt problems, haunted houses and so on. , all want to go public for sale.
Then, get rid of the private transaction between the intermediary and the owner. If the owner hides something, there is a big problem with property rights. The house bought is particularly unsafe, and the deposit and down payment may face losses. Finally, there is no way to transfer ownership. The end result is that the money is gone, the house is gone, and it is only time-consuming and laborious to get into a lawsuit. There is no sense of security and there is not enough evidence left. The lawsuit is likely to be unsuccessful.
The third risk is that the purchase procedure is seriously unfamiliar.
In fact, most property buyers only buy a house once in their lives, so we often say that many families struggle for a suite all their lives. These property buyers, who do not understand the purchase procedures, can be said to be completely amateurs. What to do in the first step, what to do in the second step, what costs, what disputes and risks are unknown. What's more, when they signed the purchase contract, they didn't know anything, and they didn't know what details they should pay attention to, and how to avoid the possible risks in each link.
In other words, getting rid of the intermediary and dealing with the owner privately, the follow-up process is very unfamiliar and very slow, and every link, a little carelessness may cause money losses.
The most important thing is that when paying taxes and deed taxes, I don't know whether it should be paid by the owners or by myself. Or you don't know the audit price of the Housing Authority, and you may pay more. You think that you have saved intermediary fees and loan service fees, but in fact, the wasted money spent in the middle has far exceeded these fees. What's more, the owner may eat the difference, eat the difference of the total house price, and pay the difference of taxes and fees. Even the water, electricity and electricity bills of the final property will not be settled for you, and the furniture and appliances in the room will be replaced and moved away. And if you don't have a formal private transaction contract, neither the Housing Authority nor the bank will handle the transfer and loan for you, which is the most annoying thing. Yes, the amount of money involved in the house is particularly large and the transaction process is particularly complicated. Every link has the risk of contract disputes and money losses.
Don't dump the agent and the owner for a little agency fee. Once the price difference occurs, you have to pay 10 times the agency fee. Therefore, to buy a second-hand house, we should respect the intermediary industry, respect their contribution and pay for their contribution.
Third, summary.
Generally speaking, it is extremely unreasonable to find an intermediary to look at the house, get rid of the intermediary after being optimistic, and trade directly with the owner. Everyone must have a correct understanding of the intermediary. Although they charge an intermediary fee, it can make your road to buying a house easier and safer. They are not only careful, help you match the housing, save time, but also help you screen high-quality and reliable owners.
Most importantly, in the process of housing transaction, he will help you avoid many transaction risks and improve transaction efficiency. At the same time, it will also help you screen banks with faster lending rates and lower loan interest rates. In fact, the cost saved is enough to pay the agency fee.
And in the process of trading, you can also learn a lot, don't be blind. If you buy a house again in the future, there will be more ways to prevent risks.