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Does the resettlement house have a real estate certificate? Can I purchase a resettlement house for a loan?

Time: 2014-11-03         Source: Rong 360         Author: Du Juan
What is a resettlement house? Basic definition of resettlement houses
 
Rong 360: According to the relevant regulations and policies, the demolition and resettlement houses are generally divided into two categories:
 
The first category is the supporting commercial housing or the medium and low-priced commercial housing built for the relocation of residents due to major municipal projects. For example, the housing near the Olympics was demolished due to the construction of the Olympic Park. According to the relevant provisions, if the resettlement person obtains the supporting commercial housing, the property rights of the house are owned by the individual, but they cannot be listed and traded within 5 years of obtaining the ownership.
 
The other type is the demolition due to factors such as real estate development, and the demolition company will resettle or purchase the low- to medium-priced commercial housing (as compared with the market price) through other means.
 
Does the resettlement house have a real estate certificate?
 
Rong 360:: divided into two situations
 
There are two types of resettlement houses:
 
1. The commercial housing allocated by the government or the medium and low-priced commercial housing allocated, the real estate belongs to the individual, but it is not allowed to be listed within five years, and the real estate license can be processed after five years;
 
2. The other is a medium and low-priced commercial housing that is purchased by a real estate development company. It is no different from a general commercial housing. It can be listed freely and has a real estate license.
 
 
Rong 360: Different situations have different results, some situations can not be usedProvident fund loan,Details are as follows:
 
1. If you are not a resettlement household and purchase a resettlement house, you cannot apply for a provident fund loan.
 
2. The demolition and resettlement households can apply within 6 months after obtaining the property right certificate deed tax certificate.Housing provident fund loan.
 
3. If the land of the resettlement house has been classified as state-owned land, the house can be issued with a property right certificate. If the resettlement house is a fund-raising land, the property right certificate cannot be obtained. Therefore cannot lend
 
Therefore, as long as the real estate license is obtained, it can be loaned, and the provident fund and commercial loans can be handled; if the real estate license cannot be obtained, the loan cannot be obtained; in addition, the 50-year property right resettlement house cannot handle the provident fund loan.
 
How to do real estate license for resettlement houses? What materials are needed?
 
1. Reset the house ownership certificate (receive the original);
 
2. The ownership certificate of the demolished house (received original);
 
3. Demolition and resettlement agreement and resettlement certificate (received original);
 
4. Check the documents (receive the original);
 
5. The ID card of the demolished person; if the demolished person is a unit, it is required to submit the qualification certificate of the unit legal person or other organization (copy of the original copy), the power of attorney of the legal representative of the demolished unit (receive the original), the client ID card (copy of the original copy);
 
6. Qualification certificate of the legal person or other organization of the resettlement unit (copy of the original copy);
 
7. The power of attorney of the legal representative of the resettlement unit (received the original)_
 
8. The resettlement unit is subject to the identity card of the client (review of the original copy);
 
9. If the resettlement area is increased, it is necessary to submit the investment invoice or increase the relevant proof of the resettlement area (receive the original);
 
10. Application form for registration of housing ownership (receipt at the receiving window, the parties fill in).
 
Melting 360 Tips:
 
1. If the demolition person dies, he/she must first go through the formalities for inheritance of the demolition of the house, and then go through the registration procedures in accordance with the above provisions;
 
2. If the person to be demolished belongs to Hong Kong, Macao, Taiwan and foreigners, it must also submit a certificate issued by the national security department.
 
Resettlement housing trading risk
 
For the sale and purchase of resettlement houses, although the buyers and sellers first sign the sales and purchase contract, handle the payment and the house transfer procedures, the transfer of the house transfer procedures after five years does not violate the law, which is a legal act; but compared with the ordinary commercial houses, the demolition and resettlement houses The trading risk is much bigger. This is mainly reflected in the following aspects:
 
1. The rise in house prices is easy to induce the seller to default.
 
According to the policy, the seller must transfer the house to the buyer after five years from the date of obtaining the real estate certificate. In this long five-year period, the trend of house prices is unpredictable. When the house price rises sharply, the seller is likely to sell the house again to the buyer with a higher price.
 
2. The buyer cannot obtain the compensation benefit of the house demolition again.
 
3. Vulnerable to uncertain factors.
 
Trading time is too long, and many unforeseen factors will induce disputes.
 
4. The demolition and resettlement houses without property rights may not be able to handle the property right certificate for other reasons;
 
5. In the long period of waiting for the transfer of the house, it is also possible that the seller’s own debt dispute will result in the house being credited by the creditor to apply for court seizure.
 
6. Buying resettlement houses has policy risks
 
The trading behavior of such houses is more likely to attract the attention of the state and regulate it, and some market entry thresholds may arise or rise. For example, in June 2004, the government will build a house for relief (excluding resettlement houses), and within five years after the property right certificate is processed. Can not be listed for trading.

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