去年5月,漳州的禹先生买了一辆行驶不足100公里的东风小康。禹先生说,那辆车刚下地不久,原车主林先生以按揭的方式向车行购买后,又不想要那辆车,便以便宜1万元的价格转让给他。
禹先生与林先生签下买卖合同,并向银行抵押了车辆登记证,约定按揭还完后再办理过户。随后,禹先生按约定付给林先生2.5万元车款,之后每个月按期向银行缴2960元的按揭。今年3月,禹先生向银行交完贷款后,联系林先生前去银行取回车辆登记证,并办理过户手续。让他想不到的是,林先生拿回抵押的车辆登记证后,却拒绝跟他办理过户手续。现在,禹先生都打不通对方的手机了。
二手车按揭交易目前已经是很平常的事情了,但是让人放心的前提是卖方不是个人,而是可靠的商家,那么商家与个人之间的交易一般是没有太大问题的。个人与个人之间买卖二手车,不建议按揭交易,最好是一次性付清车款。因为私人的信任度比较低,交易存在很高的风险性。然而,如果真的遇到这样的情况,我们应该怎么做才能有效降低风险,顺利完成交易呢?
对于私人之间按揭买车的情况,为了安全起见,双方在交易前应该去公证处做一个公证,说明情况按揭购车,待买方付款完毕后双方进行过户。
最后,还需要提醒各位的是,付款完毕后一定要及时过户,否则在未过户期间买方发生违章、事故等情况,原车主势必受到牵连,带来不必要的麻烦和损失。
©2002-2018 北京智德典康电子商务有限公司(爱卡汽车) 版权所有.电话
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