Some owners broke the news to well-known media. "More than half a year ago, a property located in Lanxi Valley Community of Forest Lake in Dongguan was sold through an intermediary company named Deyiheng. After receiving 30% down payment, the property was transferred to the second-hand house. More than half a year has passed, and the remaining balance has not been received. Recently, the owner found that the buyer of his property is the owner of the "Deyiheng" intermediary company, and the property certificate of his property has been used as a financial mortgage loan by the buyer, and the loan has been used for other purposes by the buyer.
It can be seen from this incident that the owner only transferred the property to the buyer after he paid a down payment of 30%. Generally speaking, if the buyer can't pay the house price in full, in order to ensure the subsequent payment, a third party, that is, the bank, needs to issue a loan agreement before the house can be transferred to the other party.
Some people may think that there is no need to be so cautious, but as the saying goes, "Be careful to sail for thousands of years." If the above-mentioned owners do the same, they may be able to "lightning". Moreover, according to the situation he described, even if he sues the other party, the court intervenes and auctions the house later, he may not get the money, because the property has been mortgaged. Simply put, if the auction proceeds are greater than the loan, he can get the extra part. If it is less than the loan, he can't get a dime.
So how to prevent lightning in the sale of second-hand houses? Pay attention to the following three aspects:
First of all, the selected intermediary must have word-of-mouth guarantee in the industry. Remember to check whether the intermediary company has a brokerage record and business license. If you can be sure that this intermediary is "industry conscience", it basically means that you have general protection when buying and selling second-hand houses, so it is very important to choose the right intermediary company.
Secondly, when signing a contract, you should read it carefully, especially some additional clauses, to prevent traps from being set in the signed content, such as yin-yang contracts and operating loans. If you really don't know anything about it, bring a knowledgeable friend or hire a lawyer.
Finally, the issue of fund supervision. After signing the contract, it is necessary to handle the relevant transaction procedures in time, involving capital transactions, and to supervise through formal channels. Whether buying a house or selling a house, for insurance reasons, funds should be deposited in a third-party supervision account to avoid property losses.
In addition, say a few more words, that is, the sale of second-hand houses takes a long time, the process is complicated, and there are many pits, so we must be cautious. If it is really not possible, then hire professionals to accompany you throughout the signing and implementation of important matters, so as not to lose big because of small.