TNBiz (TNBiz)
Personal finance  |  January 02, 2013 14:54:56

Buying a house? Beware of scammers who sell property in execution!


Mr. Hovorka from Kladno is with his wife for more than five years. Even after the wedding, they started thinking about their own housing. Unfortunately at that time did not put together the required sum of money. Mortgage interest rates were high, and after the wedding, a daughter Bara, so spending the family savings were done.

In August of this year, Mr. Hovorka decided it was the right time to purchase their own home and parting with the lease. Interest dropped to a minimum, and although the family budget was not breathtakingly large mortgage installment under current conditions would be acceptable, since she likened to rent.
Mr. Hovorka and his wife chose a dream property you become a house near Beroun, they decided to buy it. Mr. Hovorka on the advice of his good friend checked before buying property sheet, in order.

"I think the owner was very helpful. When we agreed to purchase, we have got a discount from the original price. That's me and my wife reassured our decision. The vendor that apparently could not walk well, "describes his experiences Mr. Hovorka. Administration was handled within two weeks. Mr. Hovorka and his wife could not speak highly of the whole process of buying.

Surprise in the mailbox

The bigger shock was Mr. Hovorka, when less than a month after the family started to use a new home, he found an envelope in the mail with a green stripe. "After opening the envelope and read its contents, I went literally to your knees, and I can take it a lot," recalls Mr. Hovorka.

The property was placed under distraint for debt šedesátitisícovému original owner. Mr. Hovorka first did not understand. Understood only when searching the Internet. It occurred to him that the fraudster duped, already at the time of sale of their debt and impending execution had to know and who took advantage of the fact that execution has missed from the registry and rewrite the title deed to the Land Registry office. This was a major stumbling block. Weak link between the regulation and execution of its registration at the Land Registry, where each of these facts can get informed.

"Mr. Hovorka was really unprecedented happiness. Thanks to our years of experience we have managed to track down the original owner of the essential information. Debtor's wife had written to each car they acquired at the time of marriage, thus fell within the joint property.After this discovery, we immediately associate with the executor to arrange debt collection foreclosures to movable property and selling the car to pay the debt occurred, "explains Miroslav Jonas, Managing Director M & M reality which case Mr. Hovorka and his team solved.

Such cases have continued to rise

Just in the last year has been an increase in cases of sales of real estate in the execution of a further 25% compared with the previous year. Current situation does not help the general debt in the Czech Republic. More than a quarter of households is affected by at least one consumer loan. The sale of the debtor's own home, in most cases just motivates his short-sighted financial policy.

Often own their homes sold to people who are in a debt spiral and relies on the ignorance of the buyer, which often nenahlédne or to property list, which is quite freely available, although in no case wholly cleared současného owner and his salary morality.

So how do you avoid execution?

The best way is to learn from the mistakes of others. In this case, the unfortunate Mr. Hovorka, who managed a miracle to save his family from the loss of a new home. The main mistake that you are still a high percentage of people excluded, the hearing at your own risk.

Depending on the purchase of real estate is not enough common sense. The basis is to always consult with an expert and go through the whole process of choosing and buying property together with him.Eliminate the risk that you are purchasing a property with already ordered executions.

"To some it may sound like a cliché, but it's true. We have to experience these situations. Many clients over a similar problem comes directly from the street. It is often already too late. The best defense is prevention of such a situation and it is only if the experience of the professional advice of their real estate agents and professionals, "explains Miroslav Jonah from M & M real estates.

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