Generally speaking, the second-hand housing transaction can be roughly divided into three links, namely, looking at the house and choosing the house, signing the transfer contract and applying for mortgage.
In these three links, there are noteworthy details, which are easy to cause housing transaction disputes.
First, look at the house and choose a house
In the process of looking at the house and choosing the house, most disputes are reflected in the characteristics of the house, and two of them are unacceptable to the buyers. If the owner can't tell them frankly, once the buyer finally knows, the possibility of terminating the transaction is very high.
1, the house is haunted.
The haunted house refers to the abnormal death in the house, which can be said to be a defect that all buyers can't accept. Even if the buyer reaches a deal with the owner and completes the transfer, if it is found to be a haunted house, if the buyer appeals to the court, the final claim may be adopted by the court. Therefore, although the haunted house does not affect the building structure, it is an important detail from the perspective of never violating public order and good customs.
Generally speaking, the house in the owner's hand is a haunted house. In order to sell, it is possible to conceal the truth of the haunted house, even the intermediary does not know. As a property buyer, we should be alert to whether it is a haunted house, which can be judged from the following aspects:
The long-term vacancy of houses, especially those that have been renovated, is even more unreasonable and should be verified; The average owner's house decoration is either renting or living, and vacancy is equal to waste.
Houses with low prices need to be vigilant. Houses in the same lot will not be much lower than the surrounding houses if there are no special factors. If low is obvious, there may be a major defect.
House inheritance. There are not a few houses inherited now, so it is necessary to find out the reason why the old man died.
Owners are unwilling to cooperate with buyers to issue written materials that do not kill people.
2. The house leaks water
For property buyers, water leakage in the house is very fatal, and it is easy to cause neighborhood disputes. Check the house leakage can start from the following two aspects:
Check the walls of the house for signs of moisture regain;
The house is old, but the decoration is relatively new, probably to cover up the leakage of the house;
Second, the signing of the transfer
In the process of signing a contract, disputes are also easy to arise, and some details need special attention. From the past experience, the details of the contract transfer link are as follows:
1. Owner
How many property owners, whether all property owners know and agree to sell the house, is an important factor affecting the legal effect of the second-hand housing sales contract.
When the buyer finds that the house has more than two owners, it shall require the seller to produce written materials that the other owners of the house agree to sell. If possible, it is best to keep audio-visual materials. Otherwise, when there is a rapid appreciation of the house, it will be troublesome for the property owner to ask for the termination of the contract on the grounds of "ignorance".
In previous disputes, this situation has not never happened. Even if property buyers get liquidated damages, they will lose money relative to the appreciation of the house.
In * * *, there is a special situation that needs special attention. The owner of the house used to be husband and wife, but now the two sides have divorced. At this time, it is necessary to find out whether the house has been divided as real estate. If there is no division, it is necessary to find out whether the ex-wife (husband) agrees to sell the house.
2. Is the house mortgaged?
It is normal for second-hand houses to have mortgages, but disputes will easily arise if they have mortgages. Regarding housing mortgage loan, we should make the following points clear:
First, find out the mortgagee. Under normal circumstances, houses are mortgaged to banks, and when the house loan is paid off, the mortgage will naturally be lifted. However, in some cases, the house has paid off the loan, but the owner applied for a house loan for other activities such as business investment. In these cases, the house may not be mortgaged to the bank, so it is very important to know the mortgagee.
The second is to find out the mortgage term and the repayment ability of the homeowner. If you have repayment ability, you'd better know the source of repayment funds.
(The above answers were published on 20 17-04-26. Please refer to the actual situation for the current purchase policy. )
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