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Bank loans for purchasing land
wanyuru
#11 Posted : Tuesday, October 04, 2011 12:47:54 PM
Rank: Veteran

Joined: 11/29/2007
Posts: 948
Since its the bank financing the purchase, then i guess the transfer should be to joint holding i.e. the bank and the buyer, not the buyer only. Kama the dude is telling you to sign the transfer papers to him ONLY then take him to a corner and have a serious talk with him....and wipe his face with nettle!!
Engo
#12 Posted : Tuesday, October 04, 2011 12:50:36 PM
Rank: New-farer

Joined: 9/19/2011
Posts: 21
@sure,

this is from an expert on land matters. two scenarios:-

1)unsecured loan you need not sign a damn thing. let him/her get the money, put it in a paper bag and bring to you in @ smoky river road bar.
2) secured loan (mortgage), let him go through the whole process with his bank and upon convincing the bank that he qualifies, he will get a valuer at his cost, meet other requirements including due diligence (ofcourse with copies of your deeds), then and only then will the bank contact you with ready cash and request for the title deed.

scenario 2 above requires that you have a title deed! hayo mengine yakimbie and never look back.

Elder
#13 Posted : Tuesday, October 04, 2011 1:36:13 PM
Rank: Elder

Joined: 9/7/2010
Posts: 2,148
Location: elderville
Layman wrote:
ali wrote:
I think it may be clean if what u say here is all. The bank doesnt give cash to purchaser. Bt to verify, get involved with the bank directly. Sold like that 2 months ago. Tedious bt clean. Bt, deal with the bank directly, nt kwa phone ama kwa bar bt in the bank directly. Bt no original docs mst go to the buyer. Its u and bank..period. Pia, bank must confirm that the guy qualifies for the amnt u want, and in the agreement, a clause must say that payment method cash cash, all of pamoja. Original docs change hand only when ua pesa lands in ua acct. Thats how i dealt with mine.


Which bank was that?????? I dont think theres a bank that will release money to you before they take the documents from you and verify their authenticity from Ardhi house. Ask anyone who has had his land or mortgage financed by banks.

To the best of my knowledge banks would only release the money to the Vendor after the property has been transferred to the name of the Purchaser and then charged to the bank. Without the charge the bank would not be secured and I do not see them releasing the money to the Vendor.
He who can express in words the ardour of his love, has but little love to express. - Petrach, Son. (That men by various ways arrive at the same end. - Montaigne, The Essays of.)
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