法拍房捡漏？竞买前你一定要知道的知识点......
<section data-role="outer" label="Powered by 135editor.com"><section data-tools="135编辑器" data-id="91525"><section><section><section data-role="outer" label="Powered by 135editor.com"><section data-tools="135编辑器" data-id="91525"><section><section><p><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 1px;">由于法拍房价格低于同区域或同期二手房价格，近年来随着热度不断增加，成交量也是不断刷新记录。据统计淘宝司法拍卖中，</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; letter-spacing: 2px; font-size: 15px; color: rgb(255, 41, 65);"><strong><span style="letter-spacing: 1px;">福清地区住宅用房房源数量达2801个（截止3月）</span></strong></span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 1px;">。</span></p></section></section></section></section></section></section></section></section><p></p><section powered-by="xiumi.us" style="max-width: 100%;white-space: normal;overflow-wrap: break-word !important;box-sizing: border-box !important;"><section style="max-width: 100%;overflow-wrap: break-word !important;box-sizing: border-box !important;"><section powered-by="xiumi.us" style="max-width: 100%;overflow-wrap: break-word !important;box-sizing: border-box !important;"><section><p style="letter-spacing: 2px;line-height: 1.75em;"><span style="letter-spacing: 1px;font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">“白菜价”的法拍房到底能不能搞？</span></p><p style="letter-spacing: 2px;line-height: 1.75em;"><span style="letter-spacing: 1px;font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">先来了解清楚法拍房到底存在哪些风险！</span><span style="letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 15px;"></span></p><p style="letter-spacing: 2px;line-height: 1.75em;"><span style="letter-spacing: 1px;font-family: PingFangTC-Regular;font-size: 15px;"><br/></span></p></section><section data-support="96编辑器" data-style-id="20175"><section style="margin-top: 0.8em;margin-bottom: 0.5em;font-size: 16px;line-height: 32px;font-weight: bold;"><section style="color: inherit;float: left;"><section style="border-left: 14px solid transparent;border-right: 14px solid transparent;border-top: 35px solid rgb(118, 69, 32);color: rgb(255, 255, 255);height: 0px;text-align: center;width: 0px;"><section style="margin-top: -30px;margin-left: -5px;color: inherit;line-height: 1em;"><span style="color: inherit;"><strong style="color: inherit;"><em style="color: inherit;" data-form="0" data-num="1">1</em></strong></span></section></section></section><section style="margin-left: 36px;border-color: rgb(118, 69, 32);color: rgb(118, 69, 32);letter-spacing: 2px;">清场风险</section></section></section><section><p><span style="letter-spacing: 1px;font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">清场，是法拍房的第一大关口。</span></p><p><span style="letter-spacing: 1px;font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">任何一套法拍房，不管是否标注清场，都需要在开拍前进屋进行<strong>“拍前场调”</strong>。常见风险如下：</span></p><section data-support="96编辑器" data-style-id="24286"><section style="margin-top: 10px;margin-bottom: 10px;"><section style="border-width: 3px;border-left-style: solid;border-color: rgb(170, 170, 170);padding-left: 3px;"><section style="border-width: 1px;border-left-style: solid;border-color: rgb(170, 170, 170);padding-top: 5px;padding-bottom: 5px;padding-left: 15px;"><p style="letter-spacing: 2px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong><span style="letter-spacing: 1px;font-size: 15px;">房屋存在“租赁合同”</span></strong><span style="letter-spacing: 1px;font-size: 15px;"><br/>拍卖的房产上如果存在有长期的租赁合同，依据</span><span style="letter-spacing: 1px;font-size: 15px;color: rgb(255, 41, 65);"><strong>“买卖不破租赁”</strong></span><span style="letter-spacing: 1px;font-size: 15px;">的原则，竞买人买下来以后，承租人仍然有权居住。但如果租赁关系在查封、抵押之后建立的，则不受这一规则的限制。<br/><br/></span></span></p><p style="letter-spacing: 2px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong><span style="letter-spacing: 1px;font-size: 15px;">原户主联系不上，房内仍有人和物</span></strong><span style="letter-spacing: 1px;font-size: 15px;"><br/>这种情况往往是法院执行时最头疼的。就算竞买人拍下，有法警陪着你收房，但却发现房内有无人照顾的老人时，该如何处理？这房是收还是不收？</span></span></p><p style="letter-spacing: 2px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><span style="letter-spacing: 1px;font-size: 15px;"><br/></span></span></p><p style="letter-spacing: 2px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><span style="letter-spacing: 1px;font-size: 15px;">屋内的物品又该如何清场？最好的办法就是——提前找好仓库，将原户主的物品打包统一放进仓库，同时给原户主发律师函，限期处理。</span></span><span style="letter-spacing: 1px;font-family: PingFangTC-Regular;font-size: 15px;"></span></p></section></section></section></section></section><section data-support="96编辑器" data-style-id="20175"><section style="margin-top: 0.8em;margin-bottom: 0.5em;font-size: 16px;line-height: 32px;font-weight: bold;"><section style="color: inherit;float: left;"><section style="border-left: 14px solid transparent;border-right: 14px solid transparent;border-top: 35px solid rgb(118, 69, 32);color: rgb(255, 255, 255);height: 0px;text-align: center;width: 0px;"><section style="margin-top: -30px;margin-left: -5px;color: inherit;line-height: 1em;"><span style="color: inherit;"><strong style="color: inherit;"><em style="color: inherit;" data-form="0" data-num="2" data-digit="1">2</em></strong></span></section></section></section><section style="margin-left: 36px;border-color: rgb(118, 69, 32);color: rgb(118, 69, 32);letter-spacing: 2px;">债权纠纷风险</section></section></section><section><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">多数法拍房是因为债务人无法偿债而被法院强制执行拍卖房产，难有明确的途径去了解原房东的身份背景及房屋被强制拍卖的具体原因，因此拍下房产的住户容易遭到其他债权人的追讨。</span><span style="font-size: 15px;font-family: PingFangTC-Regular;letter-spacing: 1px;"></span></p><p><span style="font-size: 15px;font-family: PingFangTC-Regular;letter-spacing: 1px;"><br/></span></p></section><section data-support="96编辑器" data-style-id="20175"><section style="margin-top: 0.8em;margin-bottom: 0.5em;font-size: 16px;line-height: 32px;font-weight: bold;"><section style="color: inherit;float: left;"><section style="border-left: 14px solid transparent;border-right: 14px solid transparent;border-top: 35px solid rgb(118, 69, 32);color: rgb(255, 255, 255);height: 0px;text-align: center;width: 0px;"><section style="margin-top: -30px;margin-left: -5px;color: inherit;line-height: 1em;"><span style="color: inherit;"><strong style="color: inherit;"><em style="color: inherit;" data-form="0" data-num="3" data-digit="1">3</em></strong></span></section></section></section><section style="margin-left: 36px;border-color: rgb(118, 69, 32);color: rgb(118, 69, 32);letter-spacing: 2px;">房屋瑕疵风险</section></section></section><section><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">法拍房通常会设置固定时间看房，因时间因素，很难像买二手房一样仔细衡量，一些房屋本身的瑕疵很难注意到，比如是否漏水等细节。更需要了解清楚的，是法拍房源的背景，例如房子之前是否发生过事故等，因为万一买到凶宅，当事人肯定不舒服。</span><span style="font-size: 15px;font-family: PingFangTC-Regular;letter-spacing: 1px;"></span></p><p><span style="font-size: 15px;font-family: PingFangTC-Regular;letter-spacing: 1px;"><br/></span></p></section><section data-support="96编辑器" data-style-id="20175"><section style="margin-top: 0.8em;margin-bottom: 0.5em;font-size: 16px;line-height: 32px;font-weight: bold;"><section style="color: inherit;float: left;"><section style="border-left: 14px solid transparent;border-right: 14px solid transparent;border-top: 35px solid rgb(118, 69, 32);color: rgb(255, 255, 255);height: 0px;text-align: center;width: 0px;"><section style="margin-top: -30px;margin-left: -5px;color: inherit;line-height: 1em;"><span style="color: inherit;"><strong style="color: inherit;"><em style="color: inherit;" data-form="0" data-num="4" data-digit="1">4</em></strong></span></section></section></section><section style="margin-left: 36px;border-color: rgb(118, 69, 32);color: rgb(118, 69, 32);letter-spacing: 2px;">税费风险</section></section></section><section><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">最终支付费用=拍卖成交价+税费（个税，契税和增值税）+拍卖佣金（3%-5%）+其他关于该房屋被执行人所欠费用（物业费以及所欠的水电费等），还有极少数房屋涉及到营业税和赠与税等高额税种。</span></p><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><br/></span></p><p><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><span style="font-size: 15px;letter-spacing: 1px;">法拍房价格比市场的房屋价格便宜，有的价格可能只有市场的一半，如果光看价格可不行，要注意各种可能隐形的费用。比如，物业、水电、网络等费用</span><span style="font-size: 15px;letter-spacing: 1px;color: rgb(255, 41, 65);"><strong>通常法拍房的公告都会注明由买家承担</strong></span><span style="font-size: 15px;letter-spacing: 1px;">。</span></span><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;letter-spacing: 1px;"></span></p><p><span style="font-size: 15px;font-family: PingFangTC-Regular;letter-spacing: 1px;"><br/></span></p></section><section data-support="96编辑器" data-style-id="20175"><section style="margin-top: 0.8em;margin-bottom: 0.5em;font-size: 16px;line-height: 32px;font-weight: bold;"><section style="color: inherit;float: left;"><section style="border-left: 14px solid transparent;border-right: 14px solid transparent;border-top: 35px solid rgb(118, 69, 32);color: rgb(255, 255, 255);height: 0px;text-align: center;width: 0px;"><section style="margin-top: -30px;margin-left: -5px;color: inherit;line-height: 1em;"><span style="color: inherit;"><strong style="color: inherit;"><em style="color: inherit;" data-form="0" data-num="5" data-digit="1">5</em></strong></span></section></section></section><section style="margin-left: 36px;border-color: rgb(118, 69, 32);color: rgb(118, 69, 32);letter-spacing: 2px;">产权问题</section></section></section><section><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">有些竞买者为了落户或者学区房的原因购买法拍房，对于产权本身有问题的房子，拿到以后可能会面临无法办理产权的风险。目前暂无任何法律规定，可以强制原户主迁出户口。即使你最后过户了房产证，前房主的户口不迁出，你无法落户到这栋房子里，那这套房子基本可以当做“无学区”。</span></p></section><section><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">以上，就是法拍房风险的全部重点。</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 15px;letter-spacing: 1px;">是不是觉得比商品房更麻烦？</span><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 15px;letter-spacing: 1px;">更复杂？</span></p></section><section><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">如果看到这里，你仍然想购买法拍房，应该要怎么做呢？</span></p><p><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong><span style="font-size: 15px;letter-spacing: 1px;">拍房前，4个调查：</span></strong></span></p><p><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 15px;letter-spacing: 1px;">调查法拍房的来源及涉案信息<br/></span></p><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">调查原房东的户籍情况以及是否涉及其它执行案件</span></p><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">调查该房子的使用情况，实地调研</span></p><p><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">调查这个房子的水电费和物业费的拖欠</span></p></section><section style="max-width: 100%;white-space: normal;overflow-wrap: break-word !important;box-sizing: border-box !important;"><p style="max-width: 100%;white-space: normal;overflow-wrap: break-word !important;box-sizing: border-box !important;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><span style="font-size: 15px;letter-spacing: 1px;">在没有做好清房调查的情况下就贸然参拍的方式是不可取的。一旦拍卖成交之后遇到问题，买受人就非常被动，</span><span style="font-size: 15px;letter-spacing: 1px;color: rgb(255, 41, 65);"><strong>只有清楚地掌握法拍房背景信息之后，才能确保法拍房交易不会出现重大问题。</strong></span></span></p><p style="max-width: 100%;white-space: normal;overflow-wrap: break-word !important;box-sizing: border-box !important;"><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><br/></span></p><p style="max-width: 100%;white-space: normal;overflow-wrap: break-word !important;box-sizing: border-box !important;"><span style="font-size: 15px;letter-spacing: 1px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">以上整个过程，既需要律师和法院的配合，更需要相关部门的配合。一旦遇到任何一个环节，存在模糊不清，就果断放弃。</span><span style="font-size: 15px;font-family: PingFangTC-Regular;letter-spacing: 1px;"></span></p></section><section></section></section></section></section><p></p><p 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