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What are the risks of foreclosure houses, and it is necessary to pay attention to the risk of not settling down.
When the foreclosure house is in **, the original owner's household registration may not have moved out, and the buyer may not be able to settle down after purchasing the foreclosure house. Risk of not being able to move in right away. Because there may be a situation where the foreclosure house is leased first and mortgaged later.
Precautions for foreclosure houses: pay attention to the identity of the original owner and the attributes of the property.
Advantages of foreclosure house:
1. Advantages.
In fact, it is also the biggest advantage of foreclosure houses, which are generally 10-15% lower than the market price, and even 20-30% lower than those that have been unauctioned.
2. No purchase limit.
For cities with purchase restrictions, in order to realize the house as soon as possible, there is generally no purchase restriction for foreclosure houses, and no matter how many houses you have in your name, you can participate in the auction.
3. Transaction security.
Don't worry about giving the money to the other party and not getting the house, because your transaction partner has changed from the landlord to the court, and the state authority will support you, the transaction is safe and proper, and you don't have to worry about prevarication.
4. Existing house. Most of the foreclosure houses are existing houses, and few people buy off-plan houses and immediately have economic disputes and are auctioned off, unless there are special circumstances.
5. Transfer guarantee.
The court will issue a ruling and a notice of assistance in enforcement, so that you can obtain the title to the house.
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Hello dear. Foreclosure house needs to pay attention to the risks: the first major risk:
Unknown CostsIf you do not understand all the detailed costs of the foreclosure property before bidding (such as: personal income tax, deed tax, value-added tax, property fee arrears, breach of contract fees, land transfer fees, etc.), in the end, you will find that the total price of the foreclosure property obtained by bidding is much higher than expected. So, if you are looking at a foreclosure house, be sure to understand all the detailed costs of the house before bidding.
Calculation formula: auction transaction price + taxes + other fees = total priceBefore bidding for the foreclosure house, be sure to let the foreclosure auxiliary agency help you calculate all the cost details. The second biggest risk:
If you do not know the situation of the foreclosure room and do not conduct due diligence, you may encounter the embarrassing situation of the Zen stool auction house, but you can't live in it. For example, if the apartment has been rented out before it is seized by the court, and there are tenants living in it, the lease contract is subject to judicial recognition and legal protection.
Because the clause "the sale cannot break the lease", the law of our country stipulates. Therefore, in the early stage, we will do due diligence on these foreclosure houses, also known as due diligence. The third risk:
The risk of house defects should avoid the risk of house defects, and before the auction, the bidder should go to the site to see the house and carefully look at the situation of the house. On the foreclosure platform, the description of the foreclosure house, usually, is relatively simple, and it is impossible to understand the details of the house from the simple text description, seeing is believing, which is the most reliable. The fourth risk:
Housing transfer riskIf the property owner of the foreclosure house is only owned by the person subject to enforcement, the transfer of the house will be relatively smooth and there will be no disputes. If the foreclosure house is a housing reform house, municipal supporting housing, historical protection buildings, incomplete property rights, conjoined houses, etc., there will be some disputes and small troubles when the house is transferred. The fifth risk:
The owner's debt risk is detailed in detail about the owner of the foreclosure house to be auctioned, whether the spine uses this suite for multiple mortgages, if there is a situation of multiple mortgages, there will be many creditors who come to the door to collect the house, and the trouble continues. The solution is also to let the auxiliary auction agency do a good job of due diligence in the early stage, and a detailed due diligence report will be issued.
The main types of foreclosure risks are as follows.
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