Low price tour groups hide tricks, elderly people are fooled into carrying mortgage loans
2024-12-09
My mother, who is in her 60s, went on a trip and bought a sea view house, but she couldn't return it. Recently, Liu Liang (pseudonym) and his family in Hubei have been struggling with this matter. However, Liu Liang's "troubles" are not uncommon. Many netizens with similar experiences posted on social media, saying: "My parents, who have been frugal all their lives, went on a trip, but came back with a mortgage. Even worse, they not only hide from their families, but also speak up for sales everywhere. The children who were kept in the dark were greatly troubled by this. The elderly person was brainwashed into buying a property, making phone calls, going to the bank, finding a lawyer, and checking information... Recently, most of Liu Liang's time and energy have been spent on the newly purchased house by his mother. He felt exhausted from this. The beginning of all of this was when his mother suddenly wanted to take out the various drinks stored in the house and give them to others, and the situation with the house was exposed. The first time we gave someone alcohol, we felt very strange. After multiple inquiries, she finally mentioned buying a house Liu Liang said. The elderly person couldn't even make up the down payment, so the salesperson encouraged her to see if there were anything in the house that could be used to offset the house payment. The alcohol she took out was worth over 30000 yuan. Liu Liang said that his mother was introduced to a low-priced tour group and also went to see a sea view room. At the destination, local salespeople began to promote the property. Liu Liang said that in order to get the elderly to buy a house, there are many sales tactics, "even asking my mom to recruit people to earn pocket money to offset the house price, just like pyramid schemes". According to Liu Liang's description, his mother had made a 10-year house loan under the influence of the salesperson, and paid the first house purchase price of 30000 yuan in early September this year. Loan for 10 years, with a monthly repayment of 2600 yuan. The salesperson said that the company can deduct 2000 yuan for a total of two years. After two years, if my mother brings someone to buy a house, there will be a performance of 4.8 million yuan. This performance can continue to be deducted, which is equivalent to the loan she took out to buy the house, and the company will help her repay it. "Liu Liang is not the only young person who is troubled by this. Lele (pseudonym), a netizen from Fujian, said that her mother also signed up for a property viewing tour and bought a house in another city. After returning, she concealed everything from her family. "We didn't know this until we saw her mobile phone bill. Our family was disturbed, but the old man didn't get back the deposit of more than 30000 in the end, so he was angry at the thought of this." Lele roast that her mother was brainwashed to buy a house with fake certificates, and also talked about sales everywhere. The down payment cannot be recovered. In order to stop losses in a timely manner, Liu Liang has urgently cancelled the bank loan that the elderly person applied for for for purchasing a house. But the down payment of over 30000 yuan, along with the deducted wine, totaling 70000 yuan, cannot be retrieved. And this is not the most frustrating, what is even more difficult to accept is the actual value of the sea view room. Liu Liang checked the situation of the housing purchased by his mother and found that the unit price was basically around 1000 yuan. The small house was priced at just over 100000 yuan, but in reality, there were no transactions and no one bought it. My mother bought it for over 6000 yuan per unit, and spent a total of more than 400000 yuan. There are many "same style parents" online. A netizen from Ningbo, Zhejiang posted that more than a decade ago, my parents were fooled into buying a plane, food, accommodation, and entertainment, and as a result, the neighbors who went together bought one set. At that time, I bought 58 square meters for around 200000 yuan, but now the real estate agent only offers 60-70000 yuan for the house. It's not like they're not selling it, either. On one hand, there are second-hand houses sold at a discount, and on the other hand, there are high priced new houses. The huge price difference has also increased the psychological gap for many people. Some people say that buying a house in such a place with an investment mentality will definitely lead to collapse. Some new houses are sold for over 10000 yuan per unit, while second-hand houses are only sold for over 2000 yuan. Industry insiders pointed out that the previous slogan of "you can have a sea view house with a down payment of tens of thousands" was popular. Later, the situation in the real estate market changed, leading to an increase in the supply of second-hand sea view houses and the emergence of low-priced housing. Amidst the popularity of tourism, some consumers are more inclined to choose short-term rental vacations rather than purchasing real estate. There has been a significant drop in the prices of second-hand houses in many coastal cities. The reporter found that it is not uncommon for out of town homebuyers to buy houses in coastal cities without informing their children about missing the 5-day cooling off period. So, why have these "tourist home buying groups" that deceive the elderly persisted for so long? Liu Liang's experience in handling his mother's property in the future may explain some issues. After consulting with lawyers and the public security department, Liu Liang learned that there are many similar reports, but due to the authenticity of the signed sales contract and the absence of fraud, it is difficult to retrieve the money. The price of the sea view room did not exceed the highest price recorded by the local housing management bureau, so there is no way to appeal. In fact, the local Housing and Urban Rural Development Bureau has issued relevant guidance on sea view houses, which mentioned the implementation of a "5-day cooling off period" system for purchasing houses. In the entrusted sales contract signed with the intermediary agency and the subscription agreement signed with the buyer, the development company must specify the terms of a 5-day cooling off period for returning the house, and clarify the relevant matters for returning the house and refunding. The buyer may submit a written request for a refund and check-out to the development company within 5 natural days after signing the subscription agreement. After consultation and agreement with the buyer, the development company will process the check-out and refund procedures within 15 natural days after deducting reasonable expenses incurred by the buyer during the purchase process. But industry insiders believe that many elderly people buy houses without telling their children, and the 5-day cooling off period has already passed when their children learn about it. It is recommended not to blindly believe in propaganda, and not to make impulsive purchases. It is best for the elderly to discuss with their children before buying a house to avoid causing family conflicts. Tip: To protect the rights and interests of the elderly, what should children do? For the subsequent handling, Wang Yuchen, director of Beijing Golden Litigation Law Firm, suggests that children should review and gather evidence together with the elderly about the purchase process as soon as they discover the elderly's purchase. Sort out the evidence currently in hand and see if it is complete. For example, specific clauses in the purchase contract can prove that the intermediary or developer has committed fraud, significant misunderstandings, or obvious unfairness. If the evidence is sufficient, relevant civil lawsuits can be directly filed to claim the revocation of the purchase contract and refund; If the evidence is not sufficient, you can contact the relevant sales personnel to see if it is possible to obtain additional evidence. At the same time, negotiations can also be made with relevant sales personnel to attempt check-out. Wang Yuchen reminds that as children, it is best to keep in touch with the elderly at all times and pay more attention to their daily lives. In daily life, many children lack communication with the elderly due to busy work schedules, resulting in the elderly not consulting with their children when buying a house, and the children are completely unaware that the elderly has been deceived into buying a house. By the time they know, it is too late. If the elderly have accidentally fallen into such traps, do not blame them too much. Let's work together to solve the problem. Wang Yuchen reminds us to remember that any promises not included in the contract may not be fulfilled. Do not easily trust after-sales leasing or renting to support loans. For tourism real estate, developers often sell it under the guise of "after-sales leasing" to dispel the worries of homebuyers. However, post-sale leasing itself is a prohibited behavior. The cultivation of the market and the operation of projects are influenced and determined by a series of factors, and many developers simply do not have this ability, which may lead to many hidden dangers and disputes in the future.
Edit:Rina Responsible editor:Lily
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