A timeless story of real estate investors in general and small investors in particular. Choosing geographical location with reasonable price is always a priority for real estate investors. But the law is always a top concern because the trouble only arises after the investor has "gone down", which greatly affects the interests and interests of investors.
As a civil servant, Mr. L and his wife have an income of less than 15 million dong / month, also have small children, so Mr. L and his wife decided to buy a house in Saigon, according to Mr. Ls words, “I want to have it. a stable place for children to go to school, husband and wife are also convenient to pick up and go to work and above all, they can not find a house that is so cheap. ” The house is located in a zigzag alley that every day going back and forth is lost, the apartment is less than 40m2, a ground floor, a mezzanine for 800 million with the price has not been assessed the price of any one. which unit, is simply an estimate of Mr. L and his advisors above all by hand paper trading.
He did not borrow a bank loan to buy a house, but instead Mr. L accepted to borrow from relatives, so it took more than a few months for Mr. L to know that the house he bought was in the right of way, if the site clearance would be lost more than a meter. With the above information, in general, because it does not pass strict surveys, valuation and field surveys, there are potential risks.
The rights of customers when borrowing, in the course of borrowing, the bank will conduct a series of legal inspection and valuation operations, so that the legality of the project will be methodically reviewed. Any project, real estate, land, townhouse, report of appraisal results and certificate of valuation, legal documents are compared and compared in terms of legality, validity and yes. strict regulations.
Because the bank always and at all costs does not accept lending after valuation in the case of an unclear loan, potential risks, bad debt risks, legal disputes, risks on The investor and the banks principle with the appraisal model have clear and strict regulations.
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