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Small property can loan it? What are the risks?

Time: 2014-09-29         Source: melt 360 finishing         Author: Du Juan
Problem: small property room can beloan?
 
answer :
 
From a legal point of view, small property is not a commercial housing, it can not be traded, the so-called "property title card" is not the legal effect of commercial real estate ownership certificate. If you encounter state land requisition and demolition or village committee reform, due to the absence of state-authorized legal property, buyers actually only have the right to use the house. In addition, the small property room is a huge risk, we recommend that you carefully choose and buy, and the state also banned the purchase of small property room.
 
In the purchase is under construction in rural housing, buyers and developers signed a contract and deliver the money, if the relevant departments to consolidate the construction of the right to housing projects, may result in the suspension of some projects or even forced to dismantle. So the result can only be buyers looking for developers to purchase money, buyers may face neither the availability of housing, but also can not be timely recovery of the housing fund embarrassment. In addition, after the purchase of land if the country encountered land expropriation and relocation, because the right to house the country does not have the legal rights recognized by the State, the purchaser is not a legitimate property owner, so it may not be demolition compensation for property rights, and as actual users get The demolition compensation compared with the property rights compensation is minimal. Small property housingMortgage, Refers to the borrower to find a regular loan company, mortgage property rights housing, short-term loan turnover. As the principal repayments due, we all know that small property houses can not be traded because they can not be tradedBank loan, And the loan is a guarantee company with a higher risk, so point relative to the property of the property, the interest is relatively high.
 
Is there any risk to small property room?
 
"Small property room" is not a legal concept, it is only a common form of appellation formed by people in social practice. Currently the so-called "small property room", also known as "home ownership room" refers to the property issued by the township government rather than state property certificates. Therefore, "small property" is actually "rural property" "collective property", it does not really constitute a strictly legal property rights. To put it bluntly, the "small property room" is a village housing or some developers on behalf of the name of the construction of new countryside sold, built on collective land housing or built by farmers themselves "commercial housing."
 
"Five cards" is a prerequisite for consumers to obtain real estate license, including the renovation of villages in the city, including real estate projects, without the "five cards" can not apply for real estate license. Despite the "small property room" is a hot, but many people in the industry think, "small property room" there are many risks, the biggest problem is no property rights, are not protected by law. Shaanxi Province Real Estate Research Association Wang Shengxue on "small property room" talked about their own views.
 
First, there is no real estate license
 
Such housing is built on collective land, does not allow foreign sales, there is no legal guarantee. In other words, buy such a house can not get the title certificate issued by the state. This is governed by the laws of the country and the nature of land use.
 
Second, demolition difficult compensation
 
In addition to not being able to handle real estate permits, those "cheap houses" actually belong to the illegal structures outside the scope of the government regulations. If they are in conflict with the national planning, they are still likely to be demolished, and the owners will not be compensated for their demolition and resettlement.
 
Third, the quality is difficult to guarantee
 
No one monitoring the quality of housing, some developers will cut corners to make money, there are security risks. Such houses are generally developed by the village where the land is located. In addition to the quality of housing and the after-sale warranty of the house, it is difficult to guarantee the property management after the arrival, which is also very prone to problems.
 
Fourth, the package is not perfect
 
Almost none of these houses have heating, natural gas and other ancillary facilities. In the future, if there is any dispute, it may not even have hydropower.
 
Five bequests are also troublesome
 
Due to the lack of property rights, the future inheritance will encounter many problems. By the new rural construction, the name of the transformation of the old village is the "small property room" is currently a common mode of operation, with the nature of fade away.
 
An industry source also revealed that because there is no relevant formalities, so the house prices are generally low, some developers are "playing a * for a place", once the liquidation, promised to withdraw immediately, the follow-up caused a lot of trouble All left to buyers.

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