There are many ways to liquidate a house in your hands, how to do it quickly and get a sum of money? Let's analyze them one by one.

1, Sale

The advantages of selling are in principle the greatest, but the disadvantage may be the limited amount of sales, which may be due to the need to reduce the price appropriately for urgent sales, or the difficulty of selling due to the inability to repay the loan.

Because it is a newly purchased house, some cities have limited sales. The so-called "limited sale", or "limited transaction", means that the newly purchased house needs to obtain a certain number of years of title deeds before it can be listed and traded or go through formal transfer procedures. For example, individuals in Guangzhou, China, need to purchase a property license for 2 years before they can be sold (analysis), so the newly purchased house may not be able to achieve a quick sale, the problem depends on whether the house is located in the area of urban development has a limited sales policy.

Now China's overall business to limit the development of the policy will not be canceled, but there are signs of relaxation of the sales policy, before China's Shandong Heze sales restrictions on the cancellation, but even if the cancellation of the sales policy system can be purchased during the implementation of the work of the house is still limited to the sale.

If you are in a hurry to liquidate, you may need to reduce the price appropriately to sell quickly, which will lead to some losses.

Because it is a new property license, less than 2 years, need to pay more taxes, usually, personal tax, VAT are the top, can not be reduced, in Guangzhou less than 2 years if you can sell, personal tax 1%, VAT 5.3%, as for the deed tax depends on the buyer.

If the newly purchased house is an application for a corporate loan company to purchase, then we usually say that the Bank of China Development will not allow immediate repayment of the loan, so even if the sale is not limited, it can not be sold through.

Of course, the restricted period, or the case of higher taxes, there are people who sign first, first sold, and so meet the conditions of the restricted sale, or full 2 years before trading the transfer, because the waiting time is long, the risk is higher some, need to pay attention to.

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2, loan

I don't know whether to apply for a loan to buy a new house, or a lump sum payment!

Either one can take the money from the bank.

Generally speaking, loans to banks have the lowest interest rates and the longest life span, which is the biggest advantage. As for the amount, non-bank institutions may be higher. More on that next.

It may be difficult to apply for a mortgage from a bank if you apply for a loan in the first place. Very few banks can apply for a second mortgage, but they usually require a business license and have higher interest rates.

If you are done buying your current home, you can apply for a mortgage. The personal name application is called a consumer loan, and some cities may have limits, such as a maximum of one million for 10 years. If we want to break the upper limit, we need a business license from the enterprise, you can apply for a business loan by applying for a business loan, you can apply for 70% of the house price, the amount is a little higher, a few banks can also analyze to get a higher amount if they do not meet the social conditions.

3, second charge

Apply for a business loan from the bank market interest rate is low, but we usually use up to 70%, if you still want to get a sum of money, then you can get a part of the amount by considering mortgaging your house to the institution, you can analyze, or you can also find the bank to apply for a second mortgage.

A second mortgage from a bank may require a business license, while a non-bank institution may not.

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The loan from the institution, which can also be called private lending, usually has a higher amount, but the interest rate is very high, so you need to be careful, especially not to sign blank IOUs, etc., and not to receive money to immediately return part of the money to the institution, into the pit if you fall for it, you may lose a lot of money in the future.

4, credit loans

Name has real estate, belong to the relatively well qualified customers, but also to banks, credit cards to apply for credit.

If you use a combination of the above methods, the amount of money obtained may exceed the value of the house price itself, but it is important to pay attention to the safety of funds when obtaining funds, such as the risk of borrowing from institutions, for example, the theoretical problem of applying for credit.

Posted by: temple at 02:04 AM | Comments (69) | Add Comment
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