Although we often say that there are many hidden risks in second-hand housing transactions, what issues sellers should pay attention to and what issues buyers should pay attention to are rarely mentioned by intermediaries. In fact, in second-hand housing transactions, intermediaries need to bear a lot of risks. Let’s learn about it together today.

1. Risks of second-hand house mortgage loans

In the process of handling second-hand house mortgage loans, the intermediary bears the responsibility of guaranteeing the bank to ensure the authenticity of the second-hand house transaction. The legality and authenticity of the information, as well as the borrower’s guarantee liability in the event of default before the mortgage contract is processed. Therefore, the intermediary needs to fully understand the relevant information of the property for sale, as well as the customer's loan repayment ability and other issues, and should not easily make promises on issues such as the loan amount and term proposed by the customer before being 100% sure.

2. Risks caused by falsely reporting transaction prices

Some people will ask intermediaries to falsely report transaction prices when conducting second-hand housing transactions, which are mainly divided into two categories: "high reporting" and "low reporting" In this case, "over-reporting" is to obtain a larger loan amount when borrowing from the bank, and "under-reporting" is to avoid relevant taxes and fees. At this time, the intermediary plays a witnessing role in the transaction and is also responsible for witnessing the transaction price. Therefore, it needs to bear relevant legal responsibilities. Therefore, when encountering this situation, it should be explained clearly to the customer and strive to sign an exemption clause.

3. Risk of forged signatures

Sometimes because some documents signed by clients do not meet the requirements of relevant departments for some reason, the intermediary may directly forge signatures out of fear of trouble. As a result, it was eventually returned by the relevant departments, which affected the progress of the transaction and caused dissatisfaction among customers. As a result, customers suddenly decided to cancel the transaction mid-transaction and did not pay the service commission. This method not only causes trouble to yourself, but also causes damage to the company's image and interests, so it is not suitable to use.

4. Risks of house keeping

When the seller entrusts the house to an intermediary company for sale or lease, he will hand over the keys of the house to the intermediary company for safekeeping and use. In this way, the intermediary company will bear the risk of keeping the house. If the house is stolen or damaged, the intermediary company will be responsible for compensation for the losses caused, especially for some valuable houses. , the intermediary needs to bear greater risks. Therefore, when the intermediary accepts the key to the house, it should sign relevant agreements with the seller regarding the responsibility for the custody of the house and try to avoid the risks of house custody.

The above are the four risks that intermediaries need to bear in second-hand housing transactions. I hope they can help you.

(The above answer was published on 2015-09-29, please refer to the actual relevant current house purchase policies)

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