Ding Qiao property epidemic situation

The annual shopping carnival "Shuang 1 1" is coming soon. On Taobao platform, in addition to 100 real estate enterprises taking 800,000 suites to participate in promotional activities, auction houses with lower discounts will naturally not miss this high-speed rail.

Recently, Ali Auction Channel not only launched the activity of "double 1/online cash back", but also launched the slogan of "more than 30% off" and launched a variety of real estate involved in criminal proceedings "1yuan".

The auction house far below the market price looks very cost-effective and attractive, but not everyone can digest it. Waiting for the buyer may be a really good house or a big pit.

"1 yuan real estate" pays far more than 1 yuan.

In July this year, the Higher People's Court of Zhejiang Province formulated the Working Rules for Judicial Auction of Property Involved in Criminal Cases in Zhejiang Courts, which expanded the scope of property that can be disposed of first in criminal cases, and developed a network platform for judicial auction of property involved in criminal cases in conjunction with Ali online auction, creatively implementing the bidding rules of "starting with one yuan and getting it done at one time" to solve the problems of difficult disposal, slow disposal, low realization rate and low implementation rate. That is to say, the auction rule without reserve price is adopted, and the disposal rule of "starting from one yuan and taking auction as the principle" is implemented. If there are special circumstances such as no regrets, the transaction can be made only through one auction.

As a result, 1 yuan "crime-related" properties began to appear frequently on the judicial auction platform, and these crime-related properties were specially marked with the word (crime) to distinguish them from other legal auctions. Rights come from judicial decisions, and real estate is related to some criminal cases, such as the person subjected to execution involved in criminal cases, or the house itself has had criminal cases.

Compared with ordinary legal auction houses, "crime-related" real estate faces more serious defects.

For example, a property located at No.8 Yingbin Road, Bei 'ao Street, Dongtou District, Wenzhou City, Zhejiang Province, with a construction area of 106.2 square meters and an estimated value of 297,360 yuan. The auction started at 1 yuan, and the owner of the subject matter was enforced by the court for allegedly illegally absorbing public deposits and fund-raising fraud. In addition, the subject matter also involves illegal parts and its land nature.

In other words, after paying the auction price, the buyer will continue to invest more costs for the success of the transfer.

More than that, some houses have been sealed up by many courts, repeatedly mortgaged, not vacated, occupied, with preemptive right, * * * ownership, property default and so on. Every one is a difficult problem for buyers.

For example, Wulin International Apartment in Xiacheng District of Hangzhou is a "luxury house" with a construction area of 182.04 square meters and an appraisal price of13.658 million yuan. The starting price is only 1 yuan, but the property is owned by * * and mortgaged, and the property fee is still nearly 1.4 million yuan.

At the same time, some houses are facing folk considerations.

For example, before this, an auction house in Nanyuan, Ding Qiao Jingyuan, Jianggan District, Hangzhou, with a building area of about 93 square meters, was watched by 50,000 people and finally sold at a total price of 2.22 million yuan. The house was marked with a murder in red on the auction notice.

The risks behind high fever go hand in hand.

In addition to "criminal" properties, common law auction houses suspected of civil disputes also face some problems.

Taking repeated mortgage as an example, a person from the personal loan department of a joint-stock company told the First Financial Reporter that the house can be said to be the largest property held by most ordinary people (603883, stock bar), and some extreme loan cases with real estate as collateral almost overdraw the full value of the real estate and personal repayment ability.

"For example, the loan amount that a mortgage loan can apply for in a bank is about 70% of the value of the house. Some borrowers have cashed in the remaining 30% of the value in a number of non-governmental organizations at the same time, and may even encounter bad professional lenders, and they have to go through online signing procedures with borrowers before lending 1 ~ 30%. As a result, the borrower's house is basically gone. " The banker said.

According to the banker, some borrowers repeatedly mortgaged before the bank seized and disposed of them after knowing that they could not repay. Some borrowers also apply for renovation loans in several banks at the same time, and borrow from consumer financial institutions to squeeze out the value of the house.

In addition to repeated mortgages, "not vacant, but occupied" is also a common problem in auction houses, such as vicious leasing or the original owner occupying the house, which will lead to the embarrassing situation that buyers can't move in even after handling the transfer procedures.

For these huge icebergs hidden underwater, it is difficult for ordinary bidders to distinguish them, which is the risk of auction houses.

According to the online judicial auction data released by Zheshang Asset Research Institute, due to the epidemic, the market size of major online auction platforms in China has decreased in the first half of 2020, but the market liquidity is similar to last year.

In addition, the data this year show that the cash discount rate of French residential real estate rebounded sharply after falling to a low point in March, and showed a continuous upward trend. Liquidation discount rate refers to the premium range of variable current price relative to the starting price, which reflects the strong demand of investors for auction houses, and this rate continues to rebound, reflecting the obvious increase of auction house prices.