I bought a second-hand house with a loan. The bank has already lent money to the old owner, but what should I do if the old owner acts rogue and refuses to cooperate with the property settlement? This is a question invitation from fans. Today we are going to answer it. The conten

I bought a second-hand house with a loan. The bank has already lent money to the old owner, but what should I do if the old owner acts rogue and refuses to cooperate with the property settlement? This is a question invitation from fans. Today we are going to answer it. The content is a bit long, but it is full of useful information! I hope you all will read it patiently.

Hello everyone, welcome to the little brother's view of the property market, focusing on the key points without being ambiguous, I am the big bug brother!

There are actually many things to pay attention to when buying a second-hand house. Property delivery and house handover are the last steps in buying and selling a second-hand house. If the transaction details are not handled well during the transaction, it is likely to affect the subsequent handover procedures. Already The transfer of ownership has been completed and the bank has issued a loan. Why doesn’t the seller cooperate with the property settlement? There are most likely 4 reasons:

1. The seller has no place to move

For general replacement sellers, there will be a time lag between the purchase and the sale. If you sell first and then buy, it may cause the house you bought to remain unchanged. If the handover is not completed, the house for sale will be handed over to the buyer in advance.

Therefore, house buyers should pay special attention to the delivery time when buying this type of second-hand house. First, there must be a clearly agreed delivery time in the contract, and then a part of the "delivery deposit" should be reserved in the down payment or be carried out. Bank custody will be paid to the house seller after the formal handover of the house is completed. There are two corresponding processing methods for

:

A. If the contract delivery deadline is reached and the seller has not yet handed over the house, and you are anxious to live in the house, then you should be polite first and try to persuade the seller to rent the house for a period of time. If he does not cooperate or is unwilling, , you then go to the court to apply for enforcement.

B. If you are not in a hurry to live in the house, you can negotiate a "leaseback" with the seller and temporarily rent the house to the seller. The two parties sign a lease contract, and the seller pays you rent every month until the lease expires.

2. The house is sold cheaper

This factor often occurs during the turbulent period of house prices, because the second-hand house transaction takes a long time, especially when the seller has to repay the bank loan and the buyer has to apply for a bank mortgage, the entire transaction process is faster. Three months is as slow as half a year. At this time, if the house price fluctuates, for example, if the house price rises by 500,000 in three months, then the seller is very likely to be psychologically unbalanced, but there is nothing to be done about the imbalance. After all, the contract has been After signing the contract, the account has been settled, and it is not appropriate to break the contract now, so in the end we have to see if we can get some benefits in terms of property delivery.

Therefore, if a house buyer buys a house during a period of turmoil in house prices, he must clearly specify the liability for breach of contract in the contract, increase the liquidated damages (not just the deposit liability), and set aside a "delivery deposit", so that This ensures that there will be no problems with the subsequent house handover. The solution corresponding to

is: If the house price does rise sharply, then you should give a little benefit to the seller, be more generous and let him find a balance! After all, when housing prices rise, you also make money, right? For example, if the property fees, water and electricity bills owed by the seller are not too much, you can take the initiative to help him pay them off, give up the appliances that you originally promised to keep, and let him move out, etc. This series of measures. Of course, if you are tougher, you can still sue in court. After all, "reason" is on your side. But if you can solve the problem with a little benefit, then try to solve it privately. After all, suing in court is time-consuming and hurtful. body.

3. Bank lending is slow

Especially nowadays when bank quotas are tightened, slow bank lending is a "home-cooked meal". After the mortgage is completed, it will take at least 3 to 4 months for the bank to lend, housing provident fund It may take even longer. In this case, the seller will feel that his own interests have been harmed. The real estate certificate has been in the name of the buyer, but the balance has not been received. Even if the millions are left in the bank, There is a lot of interest every month, so when it comes time to lend money, the seller may embarrass the house buyer in terms of property settlement.

Therefore, when buying a second-hand house during a period when bank quotas are tightened, you must make a note in the contract: the loan time shall be subject to the bank.Because the policies of the country and banks are beyond the control of individuals, we cannot agree on the bank's lending time in the contract, we can only agree on the time between the buyer and the seller.

I would like to make two suggestions on this point:

A. If you want to use a housing provident fund loan, you must get the seller's consent. After all, the purpose of selling a house is to collect money, and it may be someone else's life-saving money.

B. In order to successfully complete the transaction, it is recommended to apply for a loan from some banks with sufficient quotas, such as the four major banks, Postal Service, HSBC, etc. The solution suggested by

is: explain clearly to the seller that the slow lending speed of the bank is not caused by personal reasons. If necessary, you can take the seller to the bank to understand the situation. If the seller still makes unreasonable demands, such as requiring the buyer to bear the deposit interest on the final payment, etc., the buyer can ignore it completely and resolve it directly through legal channels.

4. The house buyer violated the contract first.

The house buyer delayed the transaction during the transaction. For example, it was originally agreed to apply for a bank loan on the 10th, but due to the buyer's personal reasons, it was postponed to the 20th. Another example: applying for a loan from one bank to another, resulting in longer transaction times. Another example: When it is time to transfer, the house buyer has not prepared the down payment yet and has been delaying the time. Although the contract has been signed, it is nothing to break the contract because of these trivial matters and delay the sale of the house. Meaning, so the seller may wait until the final payment is collected before proceeding with the property delivery.

Therefore, when buying a second-hand house and signing a contract, home buyers must carefully consider whether their loan time and payment time are sufficient. For example: can the down payment be withdrawn at any time if it is placed in financial management? Do I need to wait for the down payment to be paid? Also, friends who have to go out to work for more than ten days should pay special attention. If the above factors may occur, then you must try to be as relaxed as possible in the agreed time. If you can, do not tighten it. If there are special urgent matters to deal with, , be sure to inform the house seller truthfully in advance and don’t remain silent.

’s suggestion for dealing with it is: If you have violated the contract first, you should sincerely apologize to the seller, give a certain amount of compensation for the loss, and let the seller move to a better level. Only in this way will everyone be happy. If it doesn’t work, you can only pass. The legal approach has been resolved.

Based on the analysis of the above problems, when buying a second-hand house, if the house is delivered only after a bank loan is provided, a part of the "delivery deposit" must be reserved in the down payment and will be paid to the seller after the property is delivered. This is the biggest problem for the house buyer. In addition, when there is a problem in the transaction, it must be solved in time. Don't wait until the end to find a solution, because in the end it may be irreversible.

Well, that’s it for today’s sharing. Follow Brother Da Chong to learn more about the property market and knowledge about buying a house. Thank you all!