You need to pay attention to these when buying a "legal auction house"

In the context of property market regulation, the Beijing property market has obviously cooled down, and some houses have cooled down with the property market. It is reported that the auction house also implemented the residential purchase restriction policy after "3. 17" this year. At present, the transaction price is generally lower than the evaluation price, and few people are interested in the house.

The transaction price of Shijingshan and Tongzhou "French Paifang" is less than 40,000.

Compared with ordinary second-hand houses, the biggest advantage of French auction houses is their low prices. The reporter learned that, generally speaking, the first auction is 20% off the evaluation price, some start at the evaluation price, and some can get 30% off, and different assets are different. The final transaction price in Beijing usually saves hundreds of thousands or even millions of yuan compared with buying the same type of second-hand houses, which is also the main reason why buyers pay attention to auction houses.

In April last year, the auction listing information released by Beijing Court Network showed that a set of "auction houses" located in the third district of Qijia Mingjia Garden in Changping North was 109 square meters and 23 10000 yuan, while the listing price of ordinary second-hand houses of the same type was between 2.68 million and 2.8 million yuan. Because it is lower than the market price, the listing has attracted 64 groups of buyers to see the house.

On June 19 this year, the Executive Board of Beijing Chaoyang District Court started shooting 57 properties on the judicial auction platform in JD.COM, and finally 24 properties were successfully auctioned. Among them, lot 12 was successfully "hammered" in one bid.

However, the current market situation of auction houses has obviously cooled down. During the Double Eleven this year, JD.COM Auction cooperated with more than 40 courts and selected nearly 300 heavyweight lots, with a total starting price of about 65.438+0.2 billion yuan. The reporter saw on the judicial auction platform in JD.COM that as of 165438+ 10/5, the auction platform in JD.COM is about to start shooting 57 houses. Among them, only 5 suites have been registered.

The reporter saw on Taobao Judicial Channel that as of June 165438+ 10/5, there were 14 auction information in Beijing. Among them, only 2 suites are registered, only 1 person is registered, and other houses are unattended. Located in Building No.5/KLOC-0, Yongle West District, Shijingshan District, a 57.63-square-meter house with an estimated price of 27 1.7 million yuan. After the auction, the starting price of the second auction was 2.2 million yuan, equivalent to a unit price of only 38,000 yuan/square meter. The reporter saw in the chain home network that the unit price of second-hand houses in the same community is 50,000-70,000 yuan. In addition, in the real estate auction information that ended on 165438+ 10/4, only one person registered a house of 1 16 square meters located in Beiyuan South Road, Tongzhou District. The estimated price of the house was 5.25 million yuan, and the final transaction price was 3.7 million yuan, and the unit price was only 3 1896 yuan/.

According to the reporter's statistics, since June 65438+1 October1,4 1 suites of JD.COM auction platform * * have been auctioned, and the final transaction price is generally lower than the estimated price, only a few of them are higher than the estimated price. The same is true of Taobao Judicial Channel. Since 1 65438+1October1day, the transaction price of 84 completed buildings is generally lower than the evaluation price.

Insiders pointed out that the scale of potential housing supply will increase and the recipients will be "choosy". In addition, in the context of regulation, Beijing's property market has obviously cooled down, and auction house prices have also fallen.

It takes a long time to implement the purchase restriction policy and apply for loans.

The reporter noted that after Beijing's "3 17" regulation policy, legal auction houses that originally did not limit purchases and needed full payment also began to implement residential regulation policies. In other words, to auction a house, you must have the qualification to buy a house, and you must go through the audit of the Municipal Housing Construction Committee. After the exam, you can go through the transfer formalities.

"In terms of loans, one or two sets need to be reviewed. The specific loan amount is the same as that of an ordinary house, that is, the first suite can borrow 60% and the second suite can borrow 20%. " A banker said that since last year, you can apply for a loan without full payment.

The reporter noted that under normal circumstances, whether the loan can be obtained will be clearly marked in the tender announcement and tender instructions. For example, on the Taobao judicial auction platform, there is usually a "one-click loan application" button on the upper right of the auction house introduction page. After clicking in, the information of the cooperative loan bank of the house will pop up.

It is worth noting that the loan process of French auction houses is different from that of ordinary second-hand houses. According to bankers, ordinary second-hand houses are transferred first, and banks lend money after appropriate mortgage. The legal auction house first lends money, then goes to the court to go through other procedures, and finally mortgages. There is also a phased guarantee fee, that is, a third-party company designated by the bank, which undertakes the phased guarantee responsibility and assists in the later procedures. In addition, it takes three or four months for a house to be mortgaged, and some take four or five months to complete, which is longer than ordinary houses.

■ tips

You should contact the bank in advance to apply for a loan.

Legal auction houses are different from ordinary second-hand houses and have complicated judicial relations. In this regard, Jia, a lawyer of Zhongzi Law Firm, said that the explanations made by the court and the video materials and pictures provided by the court are for bidders' reference only and do not constitute any guarantee for the subject matter. Therefore, before the auction, the bidder must carefully check the auction target, investigate whether there are any defects, carefully study and check the actual situation of the bidding target, and please show it in person.

Regarding the specific loan method of the auction house, Jia said that the bidders participating in the auction should contact the corresponding banks in advance to ensure that the loan can be successful within the time limit for paying the transaction house price stipulated by the court, and the house price can be paid in full to the account designated by the court. Otherwise, if the balance of the transaction house price cannot be paid according to the regulations, it must be paid in full by the winning bidder.

Insiders reminded that before figuring out the property attributes, property rights status, whether there is mortgage, how much potential taxes and fees are owed, and whether there is lease, it is best for buyers not to test the water easily, otherwise they may face high taxes and fees, fail to pass the household or fail to receive the house.

Source: Beijing News

(The above answers were posted on 2017-11-20. Please refer to the actual purchase policy. )

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