Haus_käufer
2018-11-29 01:37:57
- #1
Good evening everyone,
I am new to this forum and have never been registered on a forum before. I have heard from many people that in such forums, people share their experiences with each other to be better prepared for certain situations. We, my wife and I, are currently in the process of buying a house. It is a very complicated situation. (Very very long story!) I’ll just start. We found the house on ImmobilienScout. It was sold through a real estate agent. Commission 3.57%. We called and immediately made an appointment. They made us wait 2 weeks until the viewing took place. What we were not told beforehand was that the house would be presented in an open viewing. We didn’t like that, but well. Nothing you can do. We looked at the house and were pretty quickly quite sure that we wanted it! So we went to the bank with the exposé and submitted everything to the credit department. Our bank advisor only needed a land register excerpt. And the real estate agent was not able to obtain it! We kept asking until we gave up! Then everything changed... we established contact with the owner of the house and obtained the land register excerpt ourselves with his power of attorney. Here comes the catch. The credit department approved everything. Except for the fact that the house is rented out. The bank says that if the house is bought with the tenants, it counts as an investment property and not for own use. Therefore, they want too much equity, which we simply cannot raise. Our bank advisor recommended that we try to negotiate directly with the tenants. We were also told that they intended to move out anyway. Said and done. We went there, talked, and this tenant wanted 2,000€ from us and from the owner to live rent-free in the house for 2 months, then he would terminate the lease himself, and upon house purchase the property would be handed over rent-free. Everything we practically want! So we waited for the bank’s final decision on the financing confirmation and it didn’t take long. We were overjoyed and already saw ourselves in the house. I kept my word. As I had promised, I gave the tenant the agreed 2,000€ and wanted to immediately make a notary appointment. By the way, the real estate agent was also not able to do that!!!!!! Suddenly the owner says that he had bought the house 8 years ago and if he sells it, he would have to pay a speculation tax. Unless we wait another 1 1/2 years until the 10-year period is over. We could also move into the house as tenants and then buy afterwards. Please tell me... is all of this legal? When you advertise a house, hire an agent to sell it, make so much effort for a person. Then in the end, something like this? One more thing... is it possible to legally bypass this real estate agent somehow? She has done NOTHING, absolutely nothing! We are desperate and do not know how to proceed......
I am new to this forum and have never been registered on a forum before. I have heard from many people that in such forums, people share their experiences with each other to be better prepared for certain situations. We, my wife and I, are currently in the process of buying a house. It is a very complicated situation. (Very very long story!) I’ll just start. We found the house on ImmobilienScout. It was sold through a real estate agent. Commission 3.57%. We called and immediately made an appointment. They made us wait 2 weeks until the viewing took place. What we were not told beforehand was that the house would be presented in an open viewing. We didn’t like that, but well. Nothing you can do. We looked at the house and were pretty quickly quite sure that we wanted it! So we went to the bank with the exposé and submitted everything to the credit department. Our bank advisor only needed a land register excerpt. And the real estate agent was not able to obtain it! We kept asking until we gave up! Then everything changed... we established contact with the owner of the house and obtained the land register excerpt ourselves with his power of attorney. Here comes the catch. The credit department approved everything. Except for the fact that the house is rented out. The bank says that if the house is bought with the tenants, it counts as an investment property and not for own use. Therefore, they want too much equity, which we simply cannot raise. Our bank advisor recommended that we try to negotiate directly with the tenants. We were also told that they intended to move out anyway. Said and done. We went there, talked, and this tenant wanted 2,000€ from us and from the owner to live rent-free in the house for 2 months, then he would terminate the lease himself, and upon house purchase the property would be handed over rent-free. Everything we practically want! So we waited for the bank’s final decision on the financing confirmation and it didn’t take long. We were overjoyed and already saw ourselves in the house. I kept my word. As I had promised, I gave the tenant the agreed 2,000€ and wanted to immediately make a notary appointment. By the way, the real estate agent was also not able to do that!!!!!! Suddenly the owner says that he had bought the house 8 years ago and if he sells it, he would have to pay a speculation tax. Unless we wait another 1 1/2 years until the 10-year period is over. We could also move into the house as tenants and then buy afterwards. Please tell me... is all of this legal? When you advertise a house, hire an agent to sell it, make so much effort for a person. Then in the end, something like this? One more thing... is it possible to legally bypass this real estate agent somehow? She has done NOTHING, absolutely nothing! We are desperate and do not know how to proceed......