The delivery period of second-hand houses is extended, and the leaseback is extended. How to insure?

Although second-hand houses are on sale, there are often long or short delivery periods. According to past practice, the delivery speed of second-hand houses should be much faster than that of auction houses. However, as more and more owners "sell one and buy one", the delivery period of second-hand houses is getting longer and longer.

The so-called "sell one and buy one" means that the original owner obtains the funds to buy a new house by selling the original house. However, due to the long delivery cycle of new houses, owners often put forward to rent back the original units after selling the second-hand houses, pay the rent on a monthly basis or deduct it from the building payment, and some simply put forward a longer delivery period when putting the offer. In addition, there is another case where the owner sells the house with a lease. Because the sale does not break the lease, the new owner can only recover the house after the lease contract expires, but the rent will be collected by the new owner after the new certificate is issued and the owner has collected the final payment.

Insiders reminded that buyers and sellers should sign a lease contract in addition to the sales contract, establish a new relationship between the owner and the buyer, and avoid the difficulty of clearing the house in the future.

Long-term delivery tips:

1. match in place.

For the problem of long delivery cycle raised by the owner, the broker should choose the right buyer when matching new buyers, and the owner should make clear the demand when placing an order, and don't raise the problem of long delivery cycle at the moment of signing the contract. Generally speaking, new buyers who are willing to accept a longer delivery period are often new buyers. They buy a house to collect rent for a long time, and the owners are willing to rent back the original property, eliminating the need to find tenants, and they are willing to accept it. In addition, some buyers who are not in a hurry to use the house are willing to accept the owner's longer delivery date.

2. Renew the lease contract

Whether it is sold with a lease or the owner rents back the original property, the identity and relationship between the new owner and the tenant will change after the sale. In order to prevent the owner from being unable to hand over the house due to changes in property prices or other reasons, the intermediary will suggest that both parties re-sign the lease contract and change the relationship from buying and selling to leasing. Even if the rent is deducted from the building payment at one time, the owner will also incur daily expenses such as property management fees, utilities and gas when returning the original property, and the delivery of these expenses must be clear.

PS: The delivery time depends on the final payment of the bank.

The delivery period after the transfer of second-hand houses depends on the specific situation of buyers and owners, and it takes a long time. Generally, it will be agreed that the property will be delivered within 10 days after the owner receives the final payment. Because of the different loan methods, the delivery period is also long and short. Such as commercial loans, bank loans are relatively slow at present, and it usually takes about half a month to 20 days to lend. If it is a provident fund loan, the loan time will take about one and a half months. If it is a one-time payment, it can be delivered two or three days after signing the contract. If the owner's redemption is involved, the redemption itself takes 1.5 months, plus the buyer's loan application and transfer time, and the loan time is at least 3 months after signing the contract.

(The above answers were published on 20 17-04-20. Please refer to the actual situation for the current purchase policy. )

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