went to the end of the year, Hangzhou, seshanghai apartmentcond-hand housing
market isapartment for rent shanghai
still bustling, anxious to buy a house, sellers are also anxious, prices are
still Cengceng to jump up, last week, the city's average transaction price has
exceeded 20,000 yuan / m2. But do not rush to the end of tax incentives and
hastily signed. Reporter from Hangzhou, the second-hand housing intermediary
learned that the recent second-hand housing transactions regarding disputes and
accidents are more common.
accident: mortgage policy adjustment, the
contract to re-sign
Yuxing real estate agency specializing in second-hand
complaints Kwok said that the recent secondary trading disputes, landlord wants
to breach is particularly high.
Ms. Lin recently bought a suite, had a good
first Fusan Cheng said when signing the loan 7 discount rate. But because after
signing tightening of bank credit, she bought this suite was incorporated into
the second suite, must four percent down payment and interest rates no
concessions, no loans or bank loans, except for banks. This requires Ms. Lin
re-sign a contract, but when the landlord does not agree to re-sign, because
time has passed one month, prices are going up again.
Yuxing remind: Because
the interests of drivers, many landlords may be sold after seeing the price has
gone up and reconciled, trying to raise prices again. Generally encountered this
kind of thing, as a buyer, heart flat, if the increase is less, can accept even
if, after all, like a fancy house is not easy, whatever the outcome, can be
driven into the tax rebate policy. On the stingy landlord, simply give up early.
In addition, in the contract, the bank must take accidents make it clear that
the responsibility for how the agreed commitments.
accident two: Bank
approved by
but that is not lending, anxious sellers
approaching the
end, many state-owned bank line of credit has beeshanghai villan discharged, and
gradually slows the lending rate, which can be very anxious waiting for
customers to use the money wards.
month ago, Hu sold Riverside Qiantang set
more than 100 million homes, he was prepared to use money to sell to buy a set
in the city center. I did not expect the recent tightening of bank lending
policies, Qiantang house three transfer certificates are finished, the bank has
been approved, has refused loans, have to wait until next year in January before
lending. And then he bought a new house because of delays in payment center
time, the home should be investigated for his breach of contract. Hu anxious
hopping.
Mr. Jiang is a typical type of client improvement, he is now ready
to live in a house of 52 square meters sold in Qianjiang buy a more than 100
square meters of the house. To be able to enjoy the tax rebate incentives,
impatient Chiang intend to buy a house in Qianjiang first. Fearing bank's
mortgage approval time will be too long, so Mr. Jiang to borrow money after the
one-time payment, ready to sell his house and then repay. Before long, Mr. Jiang
has 52 square meters of the house buyers, after two weeks of loan approval, the
bank said in January next year in order to go to lenders, which can be very
anxious Chiang, on the one hand to lend to him Dunning reminder was anxious, on
the other hand can not get the balance of buyers, anxious round and round, but I
could not think of a good way.
Prime housekeeper reminder: As banks
tightening mortgage policy, similar to the dispute before the end of December,
may also increase, do not put the money too tight budget.
accident three:
mortgage to buy a house still in trouble
Miss Ge recently saw a lot of
houses, and finally in a fancy set of small sets, you can sign a contract until
she learned that the first half of this house is the landlord before buying,
there are many mortgage payments, Miss Ge have to come up with the first payment
on the loans to help them also, again purchase procedures.
intermediary told
Ms. Ge, first also on the loan immediately transfer procedures, should be able
to catch up with incentives. She does not trust, but also consulted with banks
and other intermediaries to help landlords understand there is a certain risk of
repayment, as well as his entry finished article yet warrant cancellation
procedures, go do fund mortgage, but if an accident occurred, I am afraid to
take not on the last bus of preferential policies. Miss Ge hesitant to give up
the last of this suite.
I love my family to remind: If you ask the buyer
with the first payment to the landlord's mortgage also, there is a certain risk,
two will delay processing time.
12 mid-May after signing might miss the last
bus
now how to avoid conflicts between buyers and sellers?
one, pay
attention to trading hours of the control. General housing transaction process
includes: contract - playing the first payment - apply for a loan - approval by
the - for transfer tax when the final accreditation. Agricultural Tax tax
concessions are admissible subject, taking into account the processing time, we
recommend that as far as mid-December signed a purchase contract. In addition,
in order to ensure the smooth process of handling, to promptly prepare relevant
information, such as loans proof of income account, identity cards, marriage
certificates and other relevant documents to facilitate the mortgage and test
pieces.
Second, pay attention to the choice of mortgage banks. At the end of
bank credit tightening, approval and lending time will be slower, and the
conditions to enjoy preferential interest rates higher than before. If economic
conditions permit, do not deadlocked at three or four percent down payment into
this problem, try to expedite the process.
Third, pay attention to the
original mortgage housing situation. If the original housing with mortgage, the
landlord must first settle loans, canceled warrants his entry, so the landlord
whether there are sufficient funds to settle loans will affect the later
transaction.
