Pay attention to the four risks of buying second-hand houses in Europe

With the loosening of immigration policies in European countries, overseas immigrants are no longer just the patents of the rich and international students-a two-bedroom apartment outside the Fifth Ring Road in Beijing can be exchanged for permanent residency in Europe and a villa; However, for some people, it also brings destruction and nothing.

At present, most of the open immigration policies in Europe are housing immigration, that is, you can apply for European residency by buying a certain number of properties. At present, countries that open housing immigrants include Portugal, Spain, Greece and

Cyprus. According to the data, from the end of 20 12, the Portuguese introduced the "golden visa" to buy 500,000 euros of real estate to send the right of abode. Up to now, * * * 488 people from China have emigrated in this way.

However, for China people with multiple barriers of language, culture and policy, "buying a house in Europe" is not as simple as paying for the goods. Heavy procedures and policies may become operational traps. Compared with new houses, second-hand houses in Europe are generally lower in price and more attractive; At the same time, many second-hand housing agencies in Europe are from China, so communication between compatriots seems more convenient.

However, many reasons, such as irregular intermediary, unclear property rights of second-hand houses, and insecure quality, have greatly increased the risk of immigrants buying second-hand houses. Some greedy and cheap applicants finally bought second-hand houses with problems, which not only caused problems in buying houses, but also failed in the immigration plan.

First, the seller repents after selling: 20% deposit becomes deposit.

"Now this part of the money can't come back, and the time for the whole family to do immigration has also been delayed." After being cheated, Mr. Wang, who planned to emigrate, seemed very depressed, but he said that he still hoped to emigrate, but all the procedures had to be repeated.

Portugal has attracted a large number of investment immigrant customers, especially many customers from China, since the introduction of the house purchase immigration policy on October 20th. This not only promoted the economic development of Portugal, but also promoted the rise of house prices. In Europe, the sharp rise in house prices has always been a small probability event. Faced with the rare price increase, many owners can't help but regret that the previous price was too low, which led to the breach of contract.

When Mr. Wang visited Portuguese real estate, he gave up the first-hand house he had planned to buy and chose this townhouse located in the residential area of Yi Shi because of the low price advertised by the second-hand housing agency near the airport.

"At that time, I felt that the price was low 15%, which was more cost-effective." Mr. Wang said.

However, after Mr. Wang paid a down payment of 20%, local house prices rose sharply again, and the seller regretted it. He told Mr. Wang that because the previous price was too low and did not have fair trading conditions, he asked to cancel the contract.

But what Mr. Zhang didn't know was that the house had been mortgaged at that time, but because there was no formal mortgage procedure, it was impossible to find the property right problem.

Mr. Zhang paid 40% of the down payment (ordinary developers only require 5- 10% down payment), returned to China to pay the balance, and successfully submitted an immigration application. However, at the same time, the mortgage procedures for this apartment are also being processed.

20 14 Mr. Zhang, who was informed by a summons from the Portuguese court, learned that half of the property rights of the apartment he bought had belonged to someone other than the seller a year ago; After learning that the house was sold, the holder filed a lawsuit with the Portuguese court.

Since then, the time limit for Mr. Zhang's family to apply for immigration has been extended indefinitely and they often need to go to Portugal to appear in court.

According to the relevant laws of Portugal, even if a customer obtains the right to live in gold with a property with defective property rights, the renewal of the right to live in gold will be affected at any time as long as a third party with relevant interests files a lawsuit.

Third, the operation is entrusted to the black intermediary: the collective "disappears" after paying the fee.

When Mr. Ding decided to buy four properties on the local intermediary website, he didn't know it was a scam.

Many foreign intermediaries do similar real estate summary websites to attract buyers at low prices; However, these foreign intermediaries do not have the privacy entry and exit qualifications passed by the Ministry of Public Security in China, so they cannot make immigration commitments to their customers.

However, it is difficult for China's immigrant applicants to distinguish the qualifications of foreign institutions, and they even need translators to accompany them throughout the communication.

The intermediary found by Mr. Ding introduced him to the local real estate lawyer, and agreed to only charge 5,000 euros in legal fees, including transfer fees for real estate formalities, agency fees for real estate lawyers and agency fees for immigration lawyers. For him, it seems to be "a bargain", not only found a cheap house, but also paid a cheap handling fee.

After Mr. Dante paid 5000 euros, the agency fee disappeared together with Mr. Ding's application materials.

It is understood that under normal circumstances, the fees charged by real estate lawyers are 1% of the value of the property, and it is necessary to investigate the property rights of the house; The fee for an immigration lawyer is 5000 euros. In order to avoid conflicts of interest, the two lawyers should not choose the same law firm.

Fourth, there are hidden dangers in the quality of second-hand houses: they may be in disrepair for a long time.

The biggest advantage of European real estate is that there is no "permanent property right" in China. European real estate can be used permanently, and there will also be title deeds and property certificates; But it is precisely for this reason that some "old houses" have appeared in the second-hand real estate market.

In European and American countries, most second-hand houses will be renovated before sale, so in the eyes of customers looking at the house, this kind of house can reach a new level of 9.5.

But in fact, it is difficult for buyers to verify the quality of houses in a short time and lack experience. However, if there are pests (the characteristics of European houses), quality problems, poor use or tense neighborhood relations, it will affect buyers' future use and transactions.

In Portugal, the cost of default by private sellers like this is very low, and there are almost no severe punishment measures, so Mr. Wang can only accept it helplessly. "Obviously, the deposit was paid, and there was no penalty for doubling the deposit," he said, "because people said it was a deposit, not a deposit, and it could not be refunded."

For Mr. Wang, who has abundant funds, there is still a chance to start again after the property price he wants rises. For many families with just a good budget, if this happens, the dream of immigrants will be difficult to realize.

Second, the unclear property right of the purchased house affects the applicant's residence qualification.

After buying a second-hand house in Lisbon, Mr. Zhang "collapsed" in a Portuguese court-this apartment with unclear property rights not only caused all kinds of troubles to Mr. Zhang, but also delayed the time for Mr. Zhang's family to apply for immigration indefinitely.

Because of the impact of the European crisis, many Europeans are heavily in debt, and the way to borrow money is to mortgage real estate. On 20 13, during his inspection tour in Portugal, Mr. Zhang contacted the local agent to buy a set of advertisements for second-hand houses in Lisbon through a small advertisement stuffed in front of the hotel.

(The above answers were published on 20 15- 12-27. Please refer to the actual purchase policy. )

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