A house in Ji'nan can't buy a house but a real estate assessment fee
Author: Bloomberg source: urban women's
the Ji'nan municipal house of people purchase housing through "psian" and entrust it to deal with the loan procedures, the result of the loan amount is not completely approved, the house is not bought, and 1450 yuan property assessment fee. Yesterday, Mr. Fang believed that the real estate agency did not introduce the risk of loans in detail, and should assume corresponding responsibilities.
yesterday afternoon, the reporter saw Mr. Fang. He said that in December 12th of last year, he saw a suite of housing in Ji'nan near the eight mile bridge. On the second day, he signed the purchase contract with the owner and "Bai Ju an", and entrusted the intermediary to apply for the purchase loan. On the same day, he paid 10 thousand yuan to the intermediary.
Mr. Fang said he had repeatedly contacted the real estate agent since then, and the other side had always said that the loan had not been processed, and that he had given the final reply yesterday. Yesterday, he and his sister came to the intermediary, the other side agreed to refund the deposit, but to deduct the property appraisal fee of 1450 yuan. "The purchase contract stipulate that the house has not been traded successfully, and the deposit has been refunded in full, but now it has been partly deducted." Mr. Fang said. Ms. Bai, the responsible person of "Bai Ju an", said that when signing the purchase contract, Mr. Fang also signed the agreement on "transfer of housing and mortgage agency agreement". The above list details the assessment fees and loan agency fees involved in bank mortgage. Owing to inadequate credit conditions, the bank failed to fully approve the loan amount. Property appraisal is the material needed for loan approval, and the cost should be borne by Mr. Fang. "The transaction has not been completed, we have not earned a penny. The assessment fee is also assessed by the company and has nothing to do with the intermediary." Said the lady, left.
Mr. Fang said that when signing the contract, the intermediary did not explicitly tell that even if the loan was not fully approved, it would have to pay the assessment fee. He thought he could not buy the house without any cost. He believed that the intermediary should not undertake the duty of disclosure, and should bear corresponding responsibilities. Ms. Zuo admitted that she did not explicitly inform the details of the assessment fee, but the failure of the loan was the personal factor of Mr. Fang, and the cost should be borne by Mr. Fang. After mediation by the industry and Commerce Department, the intermediary returned 8550 yuan deposit to Mr. Fang. As for the 1450 yuan assessment fee, the two parties will negotiate and resolve it.
Song Bin, lawyer of Fang Liang law firm in Shandong, said that the buyers had to pay the corresponding expenses due to their personal factors. However, the real estate intermediary should understand the risks of buying houses and loans and inform customers as much as possible. As for the cost problem, the two sides should be best negotiated.