What is the fund-raising housing policy in Shenzhen?

As we all know, Shenzhen, as one of the first-tier cities, has very high housing prices, and some people will buy fund-raising houses in Shenzhen. So, what is Shenzhen's fund-raising housing policy? Do you know that?/You know what?

What are the characteristics of Shenzhen fund-raising house?

Shenzhen fund-raising houses can be purchased, but because of the low price, the demand is bound to be dangerous. Fund-raising house is a house that changes the standard of housing construction contracted by the state and units and is shared by the government, units and individuals. Individual employees can be partially exempted according to all or part of the contributions of house prices, credit, building materials supply, taxes and fees. The ownership of houses built by raising funds shall be determined according to the share of capital contribution. Individuals who fully contribute according to the house price have property rights, and individuals who partially contribute have some property rights.

Individual workers can contribute in full or in part according to the house price, and the government and relevant departments will give some relief in land use, credit, building materials supply, taxes and fees. The ownership of houses built by raising funds shall be determined according to the share of capital contribution. Individuals who fully contribute according to the house price have property rights, and individuals who partially contribute have some property rights.

The danger of buying a unit fund-raising house. In addition to the lack of property rights, due to some characteristics of fund-raising housing, investors have to bear the following risks: (1) financing situation. If the funds are not in place accurately and timely, the progress of the project will not be guaranteed, and the delay of the project progress will increase the difficulty of raising funds. Such a vicious circle will inevitably lead to the loss of funds and the indefinite ending of the project.

(2) Choose the construction team. Due to the profiteering motives of some fund-raising housing units, the choice of the construction team can only be to lower the standard, desperately lower the price, and even force them to bring capital for construction. In order to make a living, construction enterprises must cut corners and the construction quality is difficult to guarantee.

(3) It is difficult to form a plan. Generally speaking, it is difficult to form a plan for fund-raising houses, mostly one or two or three. Because of the small planning, it is objectively difficult to deal with supporting problems. Even if the fundraiser intends to improve, the result is often powerless. Connection of water, electricity and gas pipelines, maintenance of public equipment, etc. , all need appropriate financial support, even if it is clean and safe, it is also inseparable from funds, not to mention sports equipment such as community cultural construction and formal property management. These are unexpected by fund raisers and will not be considered by developers.

What is the fund-raising housing policy in Shenzhen?

First, the issue of property rights. The fund-raising house is a real estate built by enterprises and institutions to solve the housing problem of internal employees with the allocated land use rights and part of the funds raised from internal employees. After completion, it is transferred to internal employees at a lower price. The fund-raising house cannot be fully transferred in the sale. Moreover, the property right of the fund-raising house belongs to enterprises and institutions in the form of full property right, and the employees only buy the right to use the property, but have no complete property right, so the fund-raising house has no independent property right registration certificate.

The second is the credit status of the owners, because the property right of the fund-raising house belongs to enterprises and institutions, and the fund-raising house is an integral part of the enterprise industry. Enterprises and institutions have the right to dispose of fund-raising houses, which can be used as collateral to borrow money from banks. If the enterprise fails to repay the bank loan at maturity, the bank can sell the pawn and repay the loan through legal procedures. Buying a fund-raising house is actually the right to use the house, and its right to use depends largely on the credit status of the property owner.

If you want to buy a fund-raising house in Shenzhen, you can refer to the Shenzhen fund-raising house policy mentioned by Bian Xiao above, so that you can buy a satisfactory house.