Reminding: all kinds of house buying are hidden risks
to buy a house in the name of the company, buy a house by the name of friends and relatives, first sign the contract temporarily not to pass the household, impersonate the company staff to cheat the tax proof... After the new round of property market regulation policies, more than two sets of housing and other places of purchase have been tighten up. Many buyers have been locked out. As a result, there are many "trick strokes" in the Internet. In this regard, experts in the industry remind that the risk of evading the Internet is very risky, and the buyers are likely to have a good chance of losing their eyes.
to buy a house in the name of the company should be prudent
"in accordance with the new policy, I did not have the qualifications to buy a house in the name of the company." Mr. Wang's hometown is Jiangsu. He came to Ji'nan to do business for 5 years. He bought a house the year before last. He intended to buy another set this summer to make his children go to high school. The introduction of "ten aid" made his plan soak up soup. "Since the individual can't buy it, I can only buy it in the name of the company." Mr. Wang told reporters that many of his friends around the business, because they do not meet the conditions of housing, are considering buying in the name of the company. Reporters recently visited a number of real estate intermediary was informed that this time they received a lot of customers call, consulting can buy a company name to evade the new deal. [experts advise] although buying a company's name is not restricted by the number of units, it still has huge risks. First of all, the tax cost of buying and selling houses is relatively high. In the name of a company, the cost of buying a house in the purchase link is not high, but once the house is changed, it must pay high taxes and fees, thereby reducing the investment income. Secondly, in the name of a company, property will be regarded as a company's fixed assets, and it needs to be included in the financial statements every year to calculate depreciation. In addition, once the company's financial problems arise, the real estate may also be mortgaged, sold and so on to make up for the loss of debt. Finally, under the control of the state and local governments, if the housing prices remain stable or fall, the actual investors will lose more.
"borrow name to buy a house" easily produce the dispute
in a joint venture of a Chinese and foreign joint venture, Ms. Han, bought the first Suite 4 years ago, and is now optimistic about a set of fine decoration units in the East, with a total price of about 900 thousand yuan. If the first suite, first pay 30%, only to take out less than 300 thousand yuan, the interest rate is the benchmark interest rate; but she is now to buy a second suite, the first payment is not less than 60%, the need to take out 540 thousand yuan, and the interest rate is 1.1 times the benchmark interest rate.
Ms. Han therefore thought, in the name of two suites houses, Shoufu than a suite to more than about 200000 yuan, the pressure is not small. She then thought of buying someone's name and buying a house. "Later transfer to me, so that the housing fund is relatively more abundant."
reporters found that there were many people who shared the same idea with Ms. Han. Some buyers try to buy real estate by private agreement with their friends and friends who have no house, in order to avoid the regulation policy of the purchase order. After the price rises, they sell the house and share the income according to the agreement.
[experts remind] whether there is a risk of "buying a house by name"? The legal profession says that the property involves real right, and the property registration system is adopted at present, that is, whose name is registered on the warrant and whose house is. In order to avoid the policy of real estate regulation and control, there are great risks in buying houses in the name of others. There are different risks and different risks.
many house buyers borrow their names to buy a house. First of all, they think of their parents as the least risk. In the name of parents, the property belongs to the name of the house property certificate or the effective housing contract. If the parents have more than one child, it means that the brothers and sisters will have the same right of inheritance in the future.
Second, buy a house by relatives and friends, and both parties sign relevant agreements to avoid risks. The relevant agreement signed between the "borrower" and the real purchaser is legal and effective. It should be regarded as a contractual relationship, but it does not involve property rights. If the house price rises or other reasons, the "borrower" will transfer the property, even if the final court recognizes the validity of the agreement, but the property that has already passed the transaction will not be recovered.
in addition, the name of the name of the name of the owner also bears the same risk, allowing others to use their own name to buy or mortgage loans, not only in the housing property registration department have their own property records, in the financial institutions also have mortgage credit records. Even if the house is passed on to the investor in the future, the record information of the functional organization will not be eliminated with the property transfer. These records will be the basis for reviewing various qualifications in the future, which means that the nominal property holder will lose a certain qualification, such as the failure of the first Suite loan preference or the restriction of other "limited purchase" policies.
first sign a contract without temporary storage of hidden danger
[purchase]: sign the purchase contract first, and then have the purchase qualification to transfer. This is another house purchase that many people think of.