The deal was well discussed, but it came to a deadlock. Mr. Wu told reporters that he wanted to know, as a second-hand housing buyer, how to prevent transaction risks? In the absence of real estate license, how should I pay this down payment? Regarding Mr. Wu's question, the reporter consulted a number of employees of intermediary companies and summarized four ways for buyers' reference.
1 According to the property consultants of many real estate agents in Guangzhou, most of the clients they receive will choose to pay the down payment under the witness of the agents.
First of all, the two sides agreed on pricing money and signed a sales contract, and then the two sides agreed to go through the transfer formalities at the Housing Authority. If the contract stipulates to pay the down payment on the day of transfer, then after completing the formalities of property right transfer, the buyer and the seller go to the bank together and deposit the down payment into the seller's bank account under the witness of the intermediary. Representatives of intermediary companies must be present during the whole transaction.
The property consultant reminds the public to choose this method to pay the down payment. After the buyer pays the down payment, don't forget to ask the seller to fill in the receipt and keep the transfer certificate. If there is a dispute in the future, these vouchers will help protect the interests of the buyer.
Handover witnessed by intermediary company
Transfer through notary office
If the buyer and seller do not trust each other and lack trust in the intermediary, then both parties can choose to go to the notary office to notarize the house payment. This method is legally regarded as the deposit of the notary office.
The specific process is that the buyer will hand over the house payment to the notary office for escrow, and after the buyer and the seller sign and register, they will take the relevant documents to the notary office to withdraw money. The advantage of this way is that because the notary office is a credible department, trading under the supervision of the notary office is conducive to protecting the equal interests of buyers and sellers.
3. Transfer through a law firm
As the name implies, handover through a law firm refers to signing a contract with the help of a lawyer to escrow funds. Du Rui, a lawyer with many years of experience, said that the process of delivering the down payment in this way is not complicated. After the buyer and the seller sign the contract, the buyer will deposit the purchase money into the account designated by the law firm, and the law firm will transfer the money to the seller after completing the transfer formalities.
4. Bank transaction fund supervision or performance guarantee issued by the bank for individuals.
This way refers to the bank as an intermediary guarantor, keeping the transaction funds, or issuing performance bonds for both parties to the transaction, responsible for the security of funds in the process of second-hand housing transactions. If the buyer fails to perform the contractual obligations, the seller can claim compensation from the buyer according to the performance guarantee, and the bank will pay directly after confirmation.
Reference real estate information: Guangzhou Wanjia Real Estate Network