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大咖说第10期：购房合同在手，为何过户前还有那么多购房风险？

2019-07-27 10:28 乐有家乐有家研究中心

购房风险二手房过户

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<section style="text-align: justify; font-size: 16px;"><section style="margin: 10px 0%; position: static;" powered-by="xiumi.us"><section class="tn-yzk-fuid-text-29591-1550219818999" style="font-size: 15px; color: rgb(29, 29, 29); line-height: 1.8; padding-right: 15px; padding-left: 15px;"><p style="text-indent: 2em; white-space: normal;">作为房产中介方，小编最近收到了一些购房者的提问：购房交易中，为何违约现象频发呢？签完购房合同还不可以高枕无忧吗？购房合同不能保证我的合法权益不受侵害吗？违约方不担心赔偿违约金吗？如果某一方一定要违约，中介会帮我挽回损失吗？等等等等。</p><p style="text-indent: 2em; white-space: normal;">经过乐有家各位片区专家从理论与实例双结合的讲解，小编整理了本期大咖说，希望能帮助各位购房者避免那些潜在风险，顺利购房。</p></section></section><section style="margin-right: 0%; margin-bottom: 10px; margin-left: 0%; text-align: left; position: static;" powered-by="xiumi.us"><section style="display: inline-block; vertical-align: middle; width: 50%; border-style: dashed; border-width: 0px 0px 2px; border-radius: 0px; border-color: rgba(176, 11, 11, 0.933);"><section style="margin-right: 0%; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="border-top: 1px dashed rgba(0, 0, 0, 0);"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 10%;"><section style="text-align: right; margin-right: 0%; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="vertical-align: middle; display: inline-block; line-height: 0; width: 80%;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewbox="0 0 91.8 70.9" style="vertical-align: middle; width: 100%;" width="100%"><g><path d="M91.8,22.4C91.8,10,81.8,0,69.4,0C57,0,47,10,47,22.4c0,12.4,10,22.4,22.4,22.4c2.7,0,5.2-0.5,7.6-1.3L51.2,69.3c-0.4,0.4-0.4,1,0,1.3c0.2,0.2,0.4,0.3,0.7,0.3s0.5-0.1,0.7-0.3l30.3-30.3C88.3,36.3,91.8,29.8,91.8,22.4z" fill="rgba(176,11,11,0.93)"></path><path d="M22.4,0C10,0,0,10,0,22.4c0,12.4,10,22.4,22.4,22.4c2.7,0,5.2-0.5,7.6-1.3L4.3,69.3c-0.4,0.4-0.4,1,0,1.3C4.5,70.9,4.7,71,5,71s0.5-0.1,0.7-0.3l30.3-30.3c5.4-4.1,9-10.6,9-17.9C44.9,10,34.8,0,22.4,0z" fill="rgba(176,11,11,0.93)"></path></g></svg></section></section></section></section><section style="margin: 30px 0% 10px; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; padding-right: 20px; padding-left: 20px; background-image: url("http://img.xiumi.us/xmi/ua/1B6fh/i/93385dc789919c5f5400604788015718-sz_17884.png?x-oss-process=style/xmwebp"); background-attachment: scroll; background-size: 126.252%; background-position: 32.0865% 41.194%; background-repeat: repeat-y;"><section style="position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top;"><section style="margin-right: 0%; margin-bottom: 10px; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; border-left: 5px solid rgba(176, 11, 11, 0.933); border-bottom-left-radius: 0px; padding-left: 10px;"><section style="color: rgba(176, 11, 11, 0.933);" powered-by="xiumi.us"><p style="white-space: normal;"><strong>Q：购房交易中，为何违约现象频发呢？</strong></p></section></section></section><section style="transform: translate3d(1px, 0px, 0px); position: static;" powered-by="xiumi.us"><section style="font-size: 14px; color: rgb(0, 49, 61); line-height: 1.8; letter-spacing: 1.8px;"><p style="white-space: normal;"><strong>深圳片区专家 符超：</strong>主观方面，很多情况是客户业主心态不稳定，有的客户甚至刚买完就后悔了，有些业主签了字又突然舍不得自己房子，也有的觉得卖便宜了的，情况很多。而在各种违约案例中，客户业主主观违约的情况更多些。</p><p style="white-space: normal;"><br/></p><p style="white-space: normal;"><strong>深圳片区专家 罗群：</strong>客观方面，比较常见的是客户或业主资金出现问题导致违约。例如曾经遇到过，查档时房子没有问题，结果在过户前，房子突然被查封了，业主承诺自己筹钱解封，但因需要时间太长，无奈之下客户业主和平解约。也有一些客户，贷款资质不够，导致贷款迟迟下不来，导致违约。</p></section></section><section style="text-align: left; margin-top: -35px; margin-right: 0%; margin-left: 0%; transform: translate3d(20px, 0px, 0px) rotateY(180deg); position: static;" powered-by="xiumi.us"><section class="group-empty" style="display: inline-block; width: 150px; height: 50px; vertical-align: top; overflow: hidden;"></section></section></section></section></section></section><section style="margin: 30px 0% 10px; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; padding-right: 20px; padding-left: 20px; background-image: url("http://img.xiumi.us/xmi/ua/1B6fh/i/122073f7dcc48c1eb9aaedcb35ead21c-sz_22827.png?x-oss-process=style/xmwebp"); background-attachment: scroll; background-size: 135.548%; background-position: 35.9224% 15.0023%; background-repeat: repeat-y;"><section style="position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top;"><section style="margin-right: 0%; margin-bottom: 10px; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; border-left: 5px solid rgba(176, 11, 11, 0.933); border-bottom-left-radius: 0px; padding-left: 10px;"><section style="color: rgba(176, 11, 11, 0.933);" powered-by="xiumi.us"><p style="white-space: normal;"><strong>Q；签完购房合同还不可以完全放心吗？</strong></p></section></section></section><section style="transform: translate3d(1px, 0px, 0px); position: static;" powered-by="xiumi.us"><section style="font-size: 14px; color: rgb(0, 49, 61); line-height: 1.8; letter-spacing: 1.8px;"><p style="white-space: normal;"><strong>深圳片区专家 符超：</strong>未完成过户前，其实都很难放心。例如有些客户/业主受周边人影响，认为房子买贵了或者卖便宜了，就想推倒重来。虽然这种情况，推倒重来的结果，往往还不如第一次谈成的价格，但还是有不少因此违约的现象。一日未完成过户，房子就不属于你，就会有风险。</p><p style="white-space: normal;"><br/></p><p style="white-space: normal;"><strong>深圳片区专家 杨刚：</strong>潜在风险很多，尤其是客户业主的私人经济情况，有时候会带来很多突发风险。例如曾遇到过业主除银行欠款外，还有民间借贷欠款，结果赎楼后就被民间借贷机构申请查封了，导致无法过户。而作为中介方，在审核交易双方资料时，的确会受困于一些客观情况，使一些交易潜在风险无法彻底避免，因此选择签约后督促客户业主尽快办手续完成过户，以免夜长梦多。</p></section></section><section style="text-align: left; margin-top: -35px; margin-right: 0%; margin-left: 0%; transform: translate3d(20px, 0px, 0px) rotateY(180deg); position: static;" powered-by="xiumi.us"><section class="group-empty" style="display: inline-block; width: 150px; height: 50px; vertical-align: top; overflow: hidden;"></section></section></section></section></section></section><section style="margin: 30px 0% 10px; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; padding-right: 20px; padding-left: 20px; background-image: url("http://img.xiumi.us/xmi/ua/1B6fh/i/93385dc789919c5f5400604788015718-sz_17884.png?x-oss-process=style/xmwebp"); background-attachment: scroll; background-size: 126.979%; background-position: 38.9632% -0.500744%; background-repeat: repeat-y;"><section style="position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top;"><section style="margin-right: 0%; margin-bottom: 10px; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; border-left: 5px solid rgba(176, 11, 11, 0.933); border-bottom-left-radius: 0px; padding-left: 10px;"><section style="color: rgba(176, 11, 11, 0.933);" powered-by="xiumi.us"><p style="white-space: normal;"><strong>Q；购房合同不能保证买卖双方合法权益吗？违约方不担心赔付违约金吗？</strong></p></section></section></section><section style="transform: translate3d(1px, 0px, 0px); position: static;" powered-by="xiumi.us"><section style="font-size: 14px; color: rgb(0, 49, 61); line-height: 1.8; letter-spacing: 1.8px;"><p style="white-space: normal;"><strong>东莞片区专家 高卫芳：</strong>合同具有约束力，但客户或业主主观想违约的情况下，都会想办法尽量减少损失，最终基于一些主客观原因，很多情况下交易双方各做退让解决，很难完全按照购房合同约定内容来操作，</p><p style="white-space: normal;"><br/></p><p style="white-space: normal;"><strong>深圳片区专家 胡小龙：</strong>只要涉及到违约，大家都会担心产生违约金，并想尽力减少赔付，有时甚至会有一些意想不到的操作，因此购房后尽早完成手续办理是非常有必要的。</p><p style="white-space: normal;"><br/></p></section></section></section></section></section></section><section style="margin: 30px 0% 10px; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; padding-right: 20px; padding-left: 20px; background-image: url("http://img.xiumi.us/xmi/ua/1B6fh/i/122073f7dcc48c1eb9aaedcb35ead21c-sz_22827.png?x-oss-process=style/xmwebp"); background-attachment: scroll; background-size: 135.548%; background-position: 35.9224% 15.0023%; background-repeat: repeat-y;"><section style="position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top;"><section style="margin-right: 0%; margin-bottom: 10px; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; border-left: 5px solid rgba(176, 11, 11, 0.933); border-bottom-left-radius: 0px; padding-left: 10px;"><section style="color: rgba(176, 11, 11, 0.933);" powered-by="xiumi.us"><p style="white-space: normal;"><strong>Q；如果某一方违约了，中介会帮我挽回损失吗？有没有办法避免违约出现？</strong></p></section></section></section><section style="transform: translate3d(1px, 0px, 0px); position: static;" powered-by="xiumi.us"><section style="font-size: 14px; color: rgb(0, 49, 61); line-height: 1.8; letter-spacing: 1.8px;"><p style="white-space: normal;"><strong>深圳片区专家 胡小龙：</strong>如果是客户违约，我们作为中介，会尽量从中调和，最好的结果是双方继续履行合约。但如果客户坚持，我们会尽量帮助业主减少损失，同时帮助双方和平解约，避免房子本体受到影响。</p><p style="white-space: normal;"><br/></p><p style="white-space: normal;"><strong>深圳片区专家 胡小龙：</strong>对于业主违约的情况，首先要看业主违约的原因。例如2015年左右，房价涨幅较大时，业主违约多数是因觉得“卖亏了”，所以提出违约时很多人已做好要赔付违约金的准备。若是因业主资不抵债，房子被查封，导致最终无法交易，就会比较麻烦，所以我们在签约前，也会核查业主负债情况，尤其是一些业主抵押急卖的速销盘，更会严格审查，并要求出具征信报告，才会跟进继续交易，努力保证交易安全。</p><p style="white-space: normal;"><br/></p></section></section></section></section></section></section><section style="margin: 30px 0% 10px; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; padding-right: 20px; padding-left: 20px; background-image: url("http://img.xiumi.us/xmi/ua/1B6fh/i/93385dc789919c5f5400604788015718-sz_17884.png?x-oss-process=style/xmwebp"); background-attachment: scroll; background-size: 115.701%; background-position: 38.6806% 21.586%; background-repeat: repeat-y;"><section style="position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top;"><section style="margin-right: 0%; margin-bottom: 10px; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; vertical-align: top; border-left: 5px solid rgba(176, 11, 11, 0.933); border-bottom-left-radius: 0px; padding-left: 10px;"><section style="color: rgba(176, 11, 11, 0.933);" powered-by="xiumi.us"><p style="white-space: normal;"><strong>Q；违约后，中介费可以退回吗？</strong></p></section></section></section><section style="transform: translate3d(1px, 0px, 0px); position: static;" powered-by="xiumi.us"><section style="font-size: 14px; color: rgb(0, 49, 61); line-height: 1.8; letter-spacing: 1.8px;"><p style="white-space: normal;"><strong>东莞片区专家 高卫芳：</strong>就乐有家的交易来说，因为我们的七诺七保里有承诺“交易不成，全额退佣”，但对违约方，佣金是不退还的，守约方的满足条件可以退回。</p></section></section><section style="text-align: left; margin-top: -35px; margin-right: 0%; margin-left: 0%; transform: translate3d(20px, 0px, 0px) rotateY(180deg); position: static;" powered-by="xiumi.us"><section class="group-empty" style="display: inline-block; width: 150px; height: 50px; vertical-align: top; overflow: hidden;"></section></section></section></section></section></section><section style="text-align: left; margin: 10px 0% -30px; transform: translate3d(1px, 0px, 0px); position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 40px; height: 45px; vertical-align: top; overflow: hidden; border-width: 0px;"><section style="text-align: center; margin-right: 0%; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="vertical-align: middle; display: inline-block; line-height: 0; width: 100%;"><img class="raw-image" style="vertical-align: middle; width: 100%;" data-ratio="1.0538117" data-w="446" _width="100%" src="http://statics.xiumi.us/stc/images/templates-assets/tpl-paper/image/53f78e52423eb49b02839d7c6d809d90-sz_313323.gif"/></section></section></section></section><section style="margin: 10px 0%; text-align: center; position: static;" powered-by="xiumi.us"><section style="display: inline-block; vertical-align: top; border-style: dashed; border-width: 1px; border-radius: 0px; border-color: rgb(0, 0, 0) rgb(0, 0, 0) rgba(176, 11, 11, 0.933) rgba(176, 11, 11, 0.933); padding: 20px; width: 95%;"><section class="tn-yzk-fuid-text-29591-1550219818999" style="font-size: 14px; color: rgb(29, 29, 29); text-align: justify; line-height: 1.8;" powered-by="xiumi.us"><p style="white-space: normal;"><strong>小编总结了各位片区专家的观点，重点内容如下（敲黑板）：</strong></p><p style="white-space: normal;"><span style="color: rgba(176, 11, 11, 0.933);">1. 签约后，过户要抓紧，避免节外生枝；</span></p><p style="white-space: normal;"><span style="color: rgba(176, 11, 11, 0.933);">2. 主观违约情况较多，但或多或少都会有违约金；</span></p><p style="white-space: normal;"><span style="color: rgba(176, 11, 11, 0.933);">3. 房产交易容易受各种因素影响，但违约后重新交易的结果并不一定会比现况更好；</span></p><p style="white-space: normal;"><span style="color: rgba(176, 11, 11, 0.933);">4. 遇到交易违约情况，中介方会尽量从中协调，帮交易双方降低损失。</span></p></section></section></section><section style="text-align: right; margin: -30px 0% 10px; position: static;" powered-by="xiumi.us"><section style="display: inline-block; width: 40px; height: 45px; vertical-align: top; overflow: hidden; border-width: 0px;"><section style="text-align: center; margin-right: 0%; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="vertical-align: middle; display: inline-block; line-height: 0; width: 100%;"><img class="raw-image" style="vertical-align: middle; width: 100%;" data-ratio="1.0538117" data-w="446" _width="100%" src="http://statics.xiumi.us/stc/images/templates-assets/tpl-paper/image/5d7344a86f355ecf86e60b348f335e1f-sz_313121.gif"/></section></section></section></section><section style="margin: 10px 0%; position: static;" powered-by="xiumi.us"><section class="tn-yzk-fuid-text-29591-1550219818999" style="font-size: 14px; color: rgb(29, 29, 29); line-height: 1.8; padding-right: 15px; padding-left: 15px;"><p style="white-space: normal;">希望通过本期大咖说，大家可以更加重视签约后的手续办理，对中介的“催促”也多些理解，顺利将房子“收入囊中”。</p></section></section><section style="margin-right: 0%; margin-bottom: 10px; margin-left: 0%; text-align: left; position: static;" powered-by="xiumi.us"><section style="display: inline-block; vertical-align: middle; width: 50%; border-style: dashed; border-width: 0px 0px 2px; border-radius: 0px; border-color: rgb(182, 182, 182);"><section style="margin-right: 0%; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="border-top: 1px dashed rgba(0, 0, 0, 0);"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 10%;"><section style="text-align: right; margin-right: 0%; margin-left: 0%; position: static;" powered-by="xiumi.us"><section style="vertical-align: middle; display: inline-block; line-height: 0; width: 80%;"><svg class="svg" xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewbox="0 0 91.8 70.9" style="vertical-align: middle; width: 100%;" width="100%"><g><path d="M91.8,22.4C91.8,10,81.8,0,69.4,0C57,0,47,10,47,22.4c0,12.4,10,22.4,22.4,22.4c2.7,0,5.2-0.5,7.6-1.3L51.2,69.3c-0.4,0.4-0.4,1,0,1.3c0.2,0.2,0.4,0.3,0.7,0.3s0.5-0.1,0.7-0.3l30.3-30.3C88.3,36.3,91.8,29.8,91.8,22.4z" fill="rgba(176,11,11,0.93)"></path><path d="M22.4,0C10,0,0,10,0,22.4c0,12.4,10,22.4,22.4,22.4c2.7,0,5.2-0.5,7.6-1.3L4.3,69.3c-0.4,0.4-0.4,1,0,1.3C4.5,70.9,4.7,71,5,71s0.5-0.1,0.7-0.3l30.3-30.3c5.4-4.1,9-10.6,9-17.9C44.9,10,34.8,0,22.4,0z" fill="rgba(176,11,11,0.93)"></path></g></svg></section></section></section></section></section><p><br/></p>