Legal auction houses do not support second-hand housing provident fund loans. Because the houses auctioned by law are generally debt disputes of the original owners' bonds, they are forced to be auctioned by the court. In judicial practice, it is easy to happen that the property after auction cannot be transferred or mortgaged normally, which is risky and difficult to guarantee the safety of funds. Generally, customers are advised to apply for commercial loans first, and then turn to provident fund loans.
There may be some problems in housing ownership, such as not paying the land transfer fee in full; No real estate license; Unpaid property fees and heating fees; There are tenants in the house, and these courts are not responsible for solving them. If you participate in the bidding, these things should be borne and solved by the buyer himself.
Source of auction house:
1, commercial loans are generated. If the purchaser borrows money from the bank to purchase a house, the bank brings a civil lawsuit to the court, demanding that the lender repay the loan by auction when the loan cannot be repaid in full as scheduled.
2, private lending. For example, Zhang San borrowed money from Li Si and agreed to mortgage his property to Li Si, but he could not repay it at maturity. According to the provisions of the Guarantee Law, Li Si can't directly obtain the mortgaged property, so he can only apply to the court for Zhang San's repayment, and show the mortgage or loan agreement, asking the court to auction Zhang San's property at the execution stage to repay it.
3. Judicial confiscation. For example, in criminal cases, there is a judgment to confiscate all the personal property of the criminal suspect. If the real estate involves real estate, it can be auctioned according to law, and the realized money will be returned to the state treasury.
4. ownerless property. It is unclaimed property. This can also be auctioned, but it rarely happens in real life.