It is the customer's wish to buy a good second-hand house safely at a low price. Consumers' Association reminds that before entrusting a real estate agent to find a house, buyers should make necessary on-the-spot investigation on the office space of the entrusted real estate agency, and check the valid documents such as business license to see if there are any major problems in terms of business standardization and legality. When choosing a house, we must pay attention to prevention, truly choose an honest intermediary, and see through the trap of black intermediary.
so, what are the risks that may be encountered in buying a house through an intermediary?
1. Spreading false houses
Illegal intermediaries entice buyers to take the bait by publishing some false houses with good conditions and high prices in newspapers and online. When the buyer says that he wants to buy a house, he will recommend other houses to the tenant because he is not allowed to see the house now or the owner doesn't want to sell the house now. The purpose of seductive advertising is to trap you first, so you must start with the advertisement itself, and don't believe it if you can't see the house or not.
2. Misappropriation of housing investment without authorization
Many illegal intermediary companies make full use of the convenience of their own custody of housing purchase and sale funds, and take out large sums of money to make short-term investments in stocks, futures and funds, and even have bank interest, in order to make the money in these accounts flow and earn a large amount of gray income. In fact, the operation mode of transaction fund supervision by banks has been introduced for a long time, and the charging standard is between three thousandths and five thousandths of the supervision amount. However, most consumers give up the supervision of bank funds because they are unwilling to pay the supervision fee. Insiders reminded that it is the safest way to supervise a large amount of transaction funds by the bank. Although some supervision fees have to be paid, the safety factor is much higher.
3. Make up the money for overdue delivery or delivery
Determine the delivery time
If the business intention is reached, the delivery time should be clearly stipulated in the contract. In the past, in the process of buying and selling houses, disputes often occurred because the time of delivery was not specified in the contract. For example, at the appointed time, the seller could not deliver the house to the buyer because of lease or other reasons, and the buyer could only eat "dumb loss" because the buyer did not make relevant explanations in the contract. Therefore, in the process of signing the contract, it is necessary to indicate when and how the seller will deliver the house to the buyer, what kind of compensation the buyer will get if the house cannot be delivered on time, and whether the house is still leased. Under normal circumstances, at the time of agreement, the buyer can take about 1% of the total house price as the condition of re-payment when handing over the house, and bind the seller to hand over the house according to it.
4. Free commission or low commission hides mystery
The slogans of "free commission for house purchase" and "half price for commission" are often the promotional means played by intermediary companies to attract customers, but in fact there is a mystery hidden inside. What is hidden behind this cover is often the behavior of illegal intermediaries to eat the difference. The profit source of the intermediary should all come from the commission, and the relevant regulations clearly require that the intermediary company must never eat the difference, and the buyer and the seller must meet when trading. Insiders reminded that the service concept of brokerage companies, "meet supply and demand, trade transparently, sign tripartite agreements, and don't eat the difference", can't just stay in words and paper, but should be a consistent and firm strategy.
5. Overlord clauses are hidden in the contract
When signing agency or sales contracts with the owners, many illegal intermediaries deliberately set some unreasonable clauses in the hidden places, otherwise they only stipulate the responsibilities that the owners should bear, and take a vague approach or even "avoid talking" about the responsibilities that the intermediary companies should bear. At present, the Municipal Construction Committee will soon introduce a model contract for the sale and intermediary of second-hand houses, which will avoid unreasonable contracts to the maximum extent and protect the interests of consumers. The introduction of standardized contracts will put an end to the hidden clauses that are unfavorable to consumers in the second-hand housing sales contracts, and it may not be so easy for black intermediaries to make a fuss about the contracts.
6, embezzle the maintenance fund
Many consumers ignore the maintenance fund in the process of buying second-hand houses, and intermediaries often take advantage of this "gap" to eat into the maintenance fund. This often happens in the following ways: the intermediary tells the seller that there is not much left in the maintenance fund for second-hand houses, and it is usually given to the buyer, but when dealing with the buyer, the intermediary says that the seller has not "sent" the maintenance fund to you, and the buyer has to apply for the maintenance fund again. The buyer and the seller need to know each other face to face. If the maintenance fund is given to the buyer, both parties need to make an agreement in the "Other Agreements" in the terms of "Agreement on Purchase Conditions". Under normal circumstances, when the house is handed over, the buyer and the seller need to go to the corresponding property management company to deliver the funds and change the account name according to the account balance of the maintenance fund.
(The above answer was issued on October 15th, 215, and the current relevant housing purchase policy should be based on the actual situation)
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