For a long time, there has been a saying that the court's foreclosure house should never be bought cheaply, and buying it will make you regret it for the rest of your life. However, at the instigation of a friend, I spent more than 400,000 yuan to buy a foreclosure house, and now I really regret it.
A few years ago, because I had a little money in my hand, I wanted to buy another house. Because I don't have much money, I want to pay a down payment first, and then make a mortgage on the house payment, pay off a mortgage of thousands of yuan every month, and rent out the house after renovating it.
Once a few friends had dinner together, I don't know if I was drinking high or what's going on, so I told me about my intention to buy a house on the wine table. The speaker was unintentional, the listener was intentional, and the next day I didn't remember that I had said it, and suddenly a friend called ** to ask me about buying a house, and I vaguely remembered that I had told them about it the night before. This friend's usual job is to help people fight lawsuits, but he is not a regular lawyer, in Chongqing's local dialect, it is the kind of strings, helping people take the lead, run errands, and get some benefits. He said that he had a good **, and it was inconvenient to say that he asked me to go to a teahouse to talk face-to-face. I didn't go to work that day, and I drank again the day before, so I should go out for a walk, so I went to the agreed teahouse to meet my friends.
A friend said that the court recently wanted to auction a batch of houses, and there was a house that belonged to a previous boss, because he owed money to others, and was sued by the court, and the court enforced it and sealed his house, and the plaintiff urged the court to enforce it, and the court took out the seized house for auction. He just heard the news and thought the house was good, so he introduced it to me. Actually, I also know the concept of foreclosure. Court foreclosure houses, that is, properties auctioned in the courts, are usually confiscated, sealed, or seized by the court in accordance with the law due to debt disputes, economic crimes, and other reasons. There are certain advantages, and court foreclosures are usually lower than the market price because they have no intermediary fees and other additional fees. Court foreclosures are reliable because they are disposed of by the court. Buyers can have more knowledge and trust in the legality, ownership, and other aspects of the house. After purchasing a foreclosure house by the court, the buyer needs to go through the formalities such as transfer of ownership and title certificate. Due to the particularity of the court's foreclosure room, these procedures are relatively convenient. However, there are also great risks in buying a court auction house, such as possible defects, hidden dangers, etc., and what if the former owner is a bad guy and does not move out?
I told my friend about my doubts, and my friend patted his chest and said that there was no problem, he was also engaged in law, and he could settle any problems. He also mysteriously said that the information about this house was revealed to him by a friend of his court judges, and there were not many people participating in the bidding during the auction, and according to my ability to bear, I could win it steadily. I said what if the house was photographed and the old man didn't move out, and he said that he had inquired, and the house was now unoccupied, and the original owner went out to hide the debt. The court had already sent him a notice before the auction of his house. My friend made another big push to dispel my concerns. We said we were separated after we agreed.
Two weeks later, my friend called me and told me that I would enter the **house auction in the court tomorrow morning, including the house I told me about, and asked me to bring all the relevant documents and go to participate on time the next day. The next day, I met with my friend in the court, and when I arrived at a court, I won't repeat the process of the house auction, anyway, the house auction went quite smoothly, and it was very convenient to get it with the expected **, and it was also very convenient to go through the procedures such as the transfer of ownership. After the house ownership certificate was issued, I invited this friend to a separate meal, and gave him a red envelope of 2,000 yuan at the dinner.
Choosing a good day, I happily went to pick up the house, and came to the community with the house key I got at the court auction to find the house that belonged to me. The house is on the 5th floor and has a nice orientation. I inserted the key into the lock hole and twisted it, and from that moment on, my nightmare began. The door lock is not opened, it seems that the inside is locked, and the key can be twisted, but the inside is locked, and the door cannot be opened. "What are you doing", I was in front of the door thinking about how to open it, when an old man's voice roared in the back. "This house is mine, I'll open the door, I have the key, I have the house ownership certificate", I was afraid that others would not believe it, I also specially brought the property ownership certificate with me, and walked forward An old man in his seventies stared at me with puzzled eyes for a long time, "We also live here, and the owner of the house owes us money, and he has already given us the house." I carefully checked the real estate certificate again, and the address, unit number, and room number are all correct, yes. I asked the old man, "Do you have a real estate certificate?" "What real estate certificate, we have an IOU, and his debt repayment commitment", this situation, it seems that the old man is no longer surprised.
There is no way, I called my friend over, after my friend arrived at the scene, I talked to the old man for a long time, anyway, the old man didn't eat this set, we didn't get in, no way, only another day.
Two days later, just in time for no work, early in the morning, I came to my foreclosure room again, this time the key was twisted and the door opened, I entered the house, and saw the scene in my house for the first time. It seemed that no one had lived in it for a long time, and looking at the situation at the scene, there seemed to be traces of human life, so I went to one of the bedrooms to take a look, and the bed was covered with a bed, but it looked like it was used by the elderly. Just as I was checking around the house, I suddenly heard a loud yell: "How did you get in?" What did you steal? "Last time, the old man didn't know when he stood in the living room, followed by an old woman of the same age. I also have people in my house who say I stole things, "I opened the door with a key and came in, this is the house I bought, I want to take back my house". "This is our house, we live here now", the old woman behind the old man also shouted. I explained it to them again and told them to move out. The old man and the old woman refused to live or die, and then the old man called the police, and we both showed the police evidence that we were the owners of the house. The old man showed an IOU and a letter of commitment, and it was only now that I figured out that the original owner of the house was the son-in-law of the old man, and the old man said that the son-in-law had borrowed more than one million yuan from him, but he never paid it back, and he divorced his daughter, so he mortgaged the house to them. What kind of logic is this, this situation has been seen a lot, afraid that the debtor will come to the door to ask for the debt, mortgage his things to his family early, and call the old man to stay in the house and not go out. The police had no choice but to ask me to find someone from the court to solve it myself. I called the people in the court, and the court staff said that the old man's IOU and letter of commitment have no legal effect, which is the usual trick used by the old man to avoid debts, and the ownership of the house is still mine, but because the two old people are old, the court has no way to enforce it. The staff asked me to negotiate with the old man and the old woman to let them move out.
Since I'm reasoning with you and you're going to play hooligan with me, I have a way to deal with you. I took the real estate certificate to transfer all the water, electricity and gas of this house to my own name, and told these three companies to temporarily stop the water, electricity and gas for me, and I must apply for it myself to open it again. I thought that if the water, electricity, and gas were stopped, the old man and the old woman would be forced out of the house. But since the water stopped, the old man and the old woman took turns to go to the public water source in the community every day to pick up the water and use it home, the electricity was cut off, and people went to bed early every day, and there was no gas, because they couldn't get in, and I didn't know how they cooked. I called a friend to ask him what to do. He said he couldn't help it. Alas, my bowels are all repentant. The house that he bought for more than 400,000 yuan was occupied by others and he couldn't enter the house.