The price of "French auction house" is reduced by 10 million yuan! A set of Beijing quadrangles "Double 11"
Every reporter Chen Mengyu Every editor Lin Jingjing
The old Beijing quadrangles with a total price of 48 million yuan, a unit price of 190000 yuan and a price reduction of 10 million yuan were sold.
In this year's "Double 11", Ali and Jingdong judicial auction platforms have listed a total of 29 residential houses (Beijing area), with a bidding cycle of one day. According to the final transcript as of 12:00 on November 12, 16 sets were sold and 13 sets were unsold, mostly at a discount of 7.5~8.5%, the highest was close to a discount of 9.5%, and the lowest was at the starting price. The big families of quadrangles were unsold, and nearly 20000 netizens were around.
16 sets of Jingdong Alifa sold in Beijing
As of 10:00 a.m. on November 12, four of the nine houses on the Ali judicial platform had been sold (including delayed sales), and five were unsold. However, one of the houses sold was close to a discount of 95% (the transaction price was 3.69 million yuan, and the assessed price was 3.9 million yuan), and another villa in Changping District had 138 auctions, and finally sold at a discount of 7.5% of the market price.
Among the 20 suites on the Jingdong judicial platform, the reporter from the Daily Economic News noticed that the lowest starting price was a house located in Fuyan New Village, Yanshan District, Fangshan District, with a building area of 95.37 square meters, an evaluation price of 1.425 million yuan, and a starting price of 912000 yuan, equivalent to 64% off. The highest starting price is a courtyard located in Shajing Hutong, Dongcheng District, with a building area of 253.1 square meters, the appraisal price is 47.507 million yuan, and the starting price is 38 million yuan, equivalent to 80% off.
As of 10:00 a.m. on November 12, 12 units of these 20 units had been sold (including deferred sales), most of which were at a discount of 7.5~8.5%; 8 sets of flow rackets. Among them, two houses were sold at the starting price, and one house was sold at an increase of 10000 yuan; The transaction price of Fuyan New Village, Yanshan, with the lowest starting price, was 1.097 million yuan, equivalent to 7.6% of the market price. It is worth noting that the competition for one second auction house was extremely fierce, with 117 bidding records. In the end, the property was sold at about 8.9% of the market price.
The quadrangle with the highest starting price as mentioned above was not unexpectedly sold.
The reporter of the Daily Economic News found that the courtyard of Shajing Hutong, with the highest starting price, is a one-stop house, adjacent to Shichahai and Nanluogu Lane, with four rooms, three halls and one bathroom. Although the nature of use in the appraisal report is residential, it seems to be more like a teahouse from the actual situation. According to the appraisal report of Beijing Huaxin Real Estate Appraisal Co., Ltd., the floor unit price of the courtyard is about 187700 yuan/square meter. After being sealed by the People's Court of Fangshan District, Beijing, at 10:00 a.m. on November 11, Jingdong Judicial Platform started to auction the house at a price of 38 million yuan, nearly 10 million yuan lower than the market price. As of the current auction, nearly 20000 netizens have watched the auction.
According to the reporter, under normal circumstances, the court will seal up the highest quality property under the name of the person to be executed as an auction for debt repayment. As far as Beijing is concerned, the quadrangles in the east/west of the city, residential buildings in key school districts, single family villas, top apartments, and land and plants around the Fifth Ring Road, which are rarely seen in the market, are rare and high-quality auctions.
According to the incomplete statistics of the reporter of the Daily Economic News, in the second half of this year, the Beijing legal auction market only sold a quadrangle on September 28, and it was the second auction.
The reporter learned that this courtyard, which was built in 1949, is located at No. 15 Shoubi Hutong, Dongcheng District, bordering Jiaodaokou South Street in the east and Nanluogu Lane in the west. It is a three way courtyard with a construction area of 458.9 square meters. According to the appraisal report of Beijing Baicheng Shouxin Real Estate Appraisal Co., Ltd., the unit price of the floor is about 226560 yuan/square meter.
On August 15, this courtyard house was launched on the Alifa auction platform for the first time, with a starting price of 83.17 million yuan and a market evaluation price of 104 million yuan, which is about 80% off. It attracted more than 30000 onlookers, 475 people set reminders, but only two applicants.
The reporter learned from the Beijing Second Intermediate People's Court that there were tenants at the time of the first auction of the quadrangle house, and the house was leased after the court closed down and the owner handled the mortgage. According to the law, the tenant cannot resist the enforcement of the court and the mortgagee to exercise the mortgage.
It is reported that the quadrangle has been transformed and is similar to a small club. The original owner is affiliated to a resource management company. The collateral collateral range is 140 million dollars, and the principal of the loan is 116 million dollars. When the loan is due, the company is unable to repay. The bank applied for enforcement, and the court ruled auction to fulfill the guarantee liability.
On September 28, the price of this courtyard house was reduced by more than 8 million yuan, with a starting price of 74.86 million yuan (margin of 7.4 million yuan, price increase of 350000 yuan) being auctioned for the second time. After 17 rounds of bidding, it was sold at 80.46 million yuan, equivalent to about 7.7% of the market evaluation price, which is not as high as the starting price of the first auction.
The "loan pit" cannot be filled after three rounds of leak detection
"The legal auction house belongs to the bank, and the owner does not participate in the sale of the house, but the sale of legal auction house is not conducted through the bank, but in the form of trust auction in the local court." The director of investment promotion of a judicial auction agency told the Daily Economic News: "Real estate (real estate) According to the regulations, it can be auctioned for three times, and the price will be reduced to 80% of the original price as long as the auction is repeated once, so after three auctions, the price has been very favorable after several discounts. "
According to Article 28 of the Provisions of the Supreme People's Court on Auction and Sale of Property in the Civil Enforcement of the People's Court, the people's court shall determine the retention price when it entrusts the auction of movable or immovable property. If the first auction fails and the auction proceeds again, the retention price may be reduced as appropriate, but each reduction shall not exceed 20% of the previous retention price.
"The real estate or other property rights can only be auctioned three times. If the three auctions are equal, the court will sell them at a lower discount, and the price will be lower." The above director said: "The courtyard house in Shoubi Hutong is an example."
Hu Wenyou, a partner lawyer of Beijing Yingke Law Firm, pointed out to the reporter of the Daily Economic News that property rights and taxes are the most important issues to pay attention to when buying houses by auction. "Whether property rights are clear and taxes exceed expectations must be clarified in advance, because the court does not care about this matter. The particularity of the taxes and fees for auction houses in France is that the taxes and fees for both the transfer and the transferee are borne by the buyer. So, like buying a second-hand house, you must understand whether the house is unique or not. Otherwise, in addition to the deed tax, you have to pay individual income tax. "
There are still tenants or owners in the French auction quadrangles. It is good to buy rough or empty houses. If there are still people living, they need to clear the scene before delivery. Hu Wenyou said that many judicial auction announcements clearly stated that "the court is not responsible for clearing and delivery (vacating the house)". Even if the court promised to be responsible for vacating the house, it was difficult.
The reporter noticed that most of the properties on Alibaba and JD auction platforms were marked with the word "loanable" in a prominent position. In response, Hu Wenyou said that in practice, the loan bank designated by the court will set many additional conditions and basically handle mortgage loans.
For example, some down payments should be raised to 50%, and the interest rate should rise. If the bank wants to lend to you, it must first handle the mortgage of the house property; If you go to the Housing and Urban Rural Development Commission to do mortgage, you must first handle the transfer of ownership; When you go to the court to handle the transfer, you have to pay off the balance first.
"So the final result is that it is not easy to collect the full amount of housing funds, and then go to the bank to handle mortgage loans. It is nominally available for loans, but the actual operation is' pit '." The practitioners of legal auction sighed.
Editor in charge: Xie Haiping
