Customer: "Hi. I visited an Internet ad in a flat is for sale in Madrid Chamartin area, more especially in Santo Domingo. It costs 360,000 euros. When can I get close to him? ". Realtor:" No, you can not see. "Q.:" How come you can not see? ". I.:" It belongs to a bank. "Q:" How am I to buy a house without seeing it? "I." It is a condition. Therefore, the price is so low. "Real conversation" first contact "between a potential home buyer and the head of an estate agent. If you also are looking for home, you may encounter the same situation. What does it mean?
The economic crisis, focusing primarily on real estate, is turning the housing market to almost grotesque extremes. The latter, home sales 'invisible' by financial institutions. They have hung the sign 'for sale' a story that already belong to them legally, but which do not have the keys. Potential buyers can not see them. These real estate transactions 'blind' and involve high risk and counterparty juicy prices.
These homes have been baptized as 'property without possession ' . Translated into the language of the street, property seized and awarded to the bench after a judicial sale pending acquisition by financial institutions. Banks and savings banks, urging the time factor, have not hesitated to make a special niche in this new segment of houses in their windows. This is the case CatalunyaCaixa that on the website of its subsidiary real estate - Real Estate CX - has opened a tab to 'property without possession ' specifying that " keys have not yet ".
March 2011. Second is contact between the same property and the same customer, but now called the seller. Realtor: "Hi. Are you called to ask about the Santo Domingo apartment of 80 square meters, three bedrooms and two bathrooms a few months ago, right? ". Customer:" Yes, that is. "I." Are you still interested? Please note that the price has dropped to 310,000 euros. Yes, still can be seen. "Q.:" So I say the same thing for months. How can I buy my future home without having seen it before? Just as an investment I think I might venture to acquire, but in my case, to live, no. Thank you very much. "
With this practice of sale of flats" invisible ", seek to ease financial institutions as soon as the great slab which is already implemented in the real estate on their balance sheets . Before, even, have of actual possession, which is a matter of time, but whose evictions can sometimes be spread over more than a year. As a great hook to attract buyers, these assets "being held" in the hands of banks coming to market at much more than interesting.
A hook-shaped high-risk bargain which undoubtedly also pays off. "They are always second-hand from judicial adjudication. Some of these houses are sold, but not the most demanded product " , CatalunyaCaixa specify from where this type of real estate and now represent 12% l of its total property portfolio . Catalan The box says that the purchaser of such property is usually someone who knows the house as a neighbor, "who assumes the possible state of the same." " domestic investors, individuals, families and neighbors," lead plaintiffs in this market.
When purchasing these homes 'invisible' from CatalunyaCaixa indicates that a contract is not signed regular sale, but a document that "provides for this exception" special and the delivery of housing " depends on each case and even in the autonomous region, the agility of the court to manage the judicial office. " The institution encourages potential interested in buying a house that "do not hesitate to look for these houses and that is where the best deals can be found today," .
From the legal point of view, counsel Itzíar Echeandía Echeandía clearance and fry, advises those who opt for a home access through this new formula previously let a professional advise. "The risks to which it exposes the buyer is that the occupant of the property with a certificate entitling her to reside there as it could be a lease," says Echeandía.
the preceding situation, says Echeandía, " the new owner of the house would be obliged either to wait until the lease expired, a period that could stretch up to five years, or to attempt early resolution prior compensation to the tenant or, if necessary, wait for it fails to fulfill any of its contractual obligations, as would be the payment of income-which would give rise to urge the contract termination. "
Source: Mundo.es
0 comments:
Post a Comment