[其它] 購買有3胎的房屋 先過戶就沒風險了嗎?
事實經過:
想請問購買一個有設定抵押權的房子
買入價為750萬
第1順位 銀行抵押權為648萬 實際貸款540萬
第2順位 民間貸款78萬
第3順位 民間貸款36萬
檯面上欠款數字共計654萬
因為對方欠到第三胎 也沒有多餘的錢可以還款
但我們也不願意先動用履保款項去幫賣方塗銷
畢竟要承擔的風險太大
房仲想了一個方法
他說先把房子連同抵押權過戶到我們名下
然後等過戶後
再讓對方先動用屢保內的114萬 塗銷二三胎
反正已經登記在我們名下了就不用害怕了
問題:
請問這樣購屋就沒有風險了嗎?
怎麼想還是覺得很可怕
畢竟過戶時 會連同對方的抵押權一起
而且還是民間團體...且不知道對方的利息滾多少了?
先感謝各位幫 小弟/小妹 解惑或提出建議,如內容尚有不足,盼請提出需補充之處。
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