What should I pay attention to when buying second-hand affordable housing in Beijing?

10 According to Beijing's latest policy, families who buy affordable housing can sell them at the market price after living for five years. When the affordable housing is re-listed, the comprehensive land price shall be paid at 10% of the transaction price. Now the first batch of projects have passed the five-year lock-up period and can be listed and circulated. According to statistics, there are about 20,000 sets of affordable housing that can be listed and circulated in 2005. For buyers who buy affordable housing, as long as they meet the conditions for purchasing affordable housing, they can buy newly-built affordable housing or second-hand affordable housing. Then, what should buyers and sellers pay attention to in the second transaction of affordable housing?

It is difficult to make money when the house price rises by 30%. The development of the real estate market in five years is amazing. According to the survey of Henderson Land University, the price of the first batch of affordable housing projects that can be listed has increased by about 30% in the past five years. But even so, most householders will not get much income, because they need to deduct 10% of the comprehensive land price and high mortgage interest. Take the purchase of Tiantongyuan 120 square meter house as an example, with a down payment of 20% and a mortgage for 15 years. The original total price was 3 18000 yuan, and it should be 4 13400 yuan when it was listed again, which increased by 95400 yuan. According to the monthly fixed repayment, the five-year interest has reached about 50,000 yuan. After deducting the comprehensive land price, only about 4,000 yuan is earned, which is not enough to pay the property fee for two years. Therefore, the loan is used to buy a house and then go public. Even if the house price rises by 30%, it is not very cost-effective, just the income from living for five years. It is suggested to wait until the house price rises to about 50% before selling, or to rent the house for a long time. But if the seller paid the house price in one lump sum, he could have earned the total interest equivalent to five years.

Project Location The first batch of affordable housing projects are basically located in the suburbs. However, with the rapid development of Beijing, the urban area continues to expand to the suburbs, and the real estate industry develops healthily, steadily and continuously. The first batch of affordable housing projects, such as Tiantongyuan and Huilongguan, have also been affected by urban development, benefiting both popularity and municipal facilities. In addition, there are many reasonable rides within 40 minutes; Living habits, such as living around the Third Ring Road for a long time, many relatives and friends are also nearby, so it is more convenient to buy from relatives and friends, so these related factors must be considered comprehensively when purchasing affordable housing.

From the site selection of affordable housing projects, it can be found that about 80% of the projects are still in ideal traffic conditions, even if the traffic of some projects is not ideal, the corresponding traffic is constantly being transformed and upgraded. And many projects are not far from subway, city rail and light rail. When buying affordable housing, first go to the location of the project to learn about the bus, subway, roads and other conditions around the project, and then start from several different locations such as the current residence and unit to see if the traffic is convenient and fast.

Huxing Supporting Most affordable housing have corresponding supporting construction, such as hospitals, supermarkets, kindergartens, primary schools and other small supporting facilities, and some smaller affordable housing have their own perfect supporting facilities based on the original large supporting facilities, that is, around the project. In the first batch of affordable housing projects, the three-bedroom apartment with an area of 100 square meter occupied the mainstream. Before deciding to buy affordable housing, first make a simple survey of the large supporting facilities around the project, and then go to the project site to consult and understand the supporting facilities of the project itself, and purchase according to your own needs. For example, newlyweds should consider kindergartens, primary schools and hospitals. There is also a need to understand the greening rate, parking and property management of the community. When buying second-hand affordable housing, it is suggested to ask a professional company to make an evaluation, comprehensively compare the prices of surrounding projects, compare the sales prices of other houses in the community, consider the appreciation potential of houses and other factors, and then decide whether to buy. In addition, when buying second-hand affordable housing, please make a detailed investigation on the ownership relationship of the house, and pay special attention to whether the house is inhabited. Six steps after buying affordable housing: obtaining the form, filling in the form, checking the price, registering, and making a public purchase. Affordable housing is a welfare housing offered by the government for low-and middle-income families, and its price is lower than that of surrounding real estate, from 500 yuan to 1000 yuan. In order to prevent high-income families from buying affordable housing, the government strictly controls the purchase procedures, so ordinary people have to face more complicated procedures. Many people are doing it for the first time, and they run many wrong paths unconsciously. A few days ago, our reporter accompanied the property buyer Lao Yang and his wife to complete this procedure and experienced the whole process of buying a house. Generally speaking, the purchase of affordable housing can be roughly divided into six steps.

65438+ These forms can be obtained from the developer or downloaded from the convenience download bar of Beijing Construction Network.

2. Applicants who fill in the form and fill in the verification form need to verify their family income (below 60,000 yuan/year). This form shall be submitted to the unit where the applicant and his spouse work for examination and seal. If there is no unit, it shall be examined and sealed by the street office where the household registration is located. Most people fill out this form at present. Applicants who fill in the approval form (mostly civil servants or teachers) do not need to verify their family income, but both husband and wife are family members of government officials or teachers. This form shall be examined and sealed by the applicant and his/her spouse respectively. Fill in the form in duplicate with a signature pen or pen.

3. The unit or subdistrict office where the applicant and his wife belong shall, in accordance with Article 7 of Beijing Zhengban Fa [2000] 13 1, examine and seal the approval form, approval form or audit form within 3 working days, and indicate the maximum price limit standard for the family to buy a house. The audit table should indicate the subsidy area standard, income certificate, household registration location and housing situation of both husband and wife. If the rank of husband and wife and the standard of subsidy area are different, the higher rank shall prevail.

4 Registration and Filing The Municipal Urban Construction Comprehensive Development Office (hereinafter referred to as the Municipal Development Office) has set up a window in the Beijing Real Estate Trading Center (Building No.0/KLOC-0, Donghua Chengbei Li, Chongwen District) to handle the registration and filing procedures for purchasing affordable housing. The applicant for house purchase shall go through the formalities of house purchase registration at the office window with the approval form, approval form or audit form stamped by the unit or subdistrict office where the husband and wife belong, together with the husband and wife's household registration book and the original ID card (if there is no household registration book, the household registration book shall be carried).

5 Online Publicity The Municipal Development Office will publicize the information of the house purchasing applicant on Beijing Construction Online 10 working days, and then the applicant will go to the window for final review and receive the approved approval form, approval form or audit form.

6. The applicant holds the certificate of permanent residence of urban residents in this city, the identity card, and the examination and approval form, approval form or audit form, and goes to the designated place where he likes affordable housing to register the purchase. Families who purchase affordable housing with an area exceeding the specified area shall temporarily pay the comprehensive land price to the real estate management department at 10% of the affordable housing price before going through the transfer formalities of the deed. The above-mentioned housing is managed according to the property right of affordable housing, and the part purchased in excess of the specified area is indicated on the property certificate. When re-listing, this part will no longer pay the land transfer fee.

Link 1: Can foreigners buy affordable housing? Generally speaking, foreigners are not allowed to buy affordable housing. However, there is one exception, that is, foreigners with work permits (commonly known as "green cards") can buy affordable housing. According to the relevant regulations of Beijing, talents with more than two years of work experience and bachelor degree or above; Talents with intermediate (inclusive) or above professional titles or equivalent academic qualifications and qualifications; Talents who have made outstanding contributions to the economic and social development of the capital and are in short supply in special fields and industries are eligible to apply for a "green card". In addition, returned overseas students can purchase affordable housing with the Work Residence Permit for Returned Overseas Students, with the maximum total housing price of 400,000 yuan, which is 10% of the comprehensive land price for the excess.

Link 2: How much comprehensive land price should I pay if I exceed the total purchase price standard? I want to buy 128 square meters of Hairui New Town at a price of 2280 yuan per square meter. My housing subsidy area standard is 70 square meters. How much comprehensive land price do I have to pay? The standard of housing subsidy area approved on the audit form is not the highest area of affordable housing that property buyers can buy. At present, the benchmark price for purchasing affordable housing is 4000 yuan per square meter. For example, the standard of housing subsidy area for buyers is 70 square meters, so the highest total price of affordable housing he purchased is 280,000 yuan. Under the restriction of the total price of 280,000 yuan, the total price of 128 square meters of 2,280 yuan is 292,000 yuan, so only 10% of the comprehensive land price should be paid for the excess part of10.2 million yuan, and the part of the house purchased beyond the specified area should be managed according to the property right of affordable housing, and this part should be indicated on the property certificate.

Link 3: Can students, homeowners and employees of private enterprises buy affordable housing? Urban residents in this city with full capacity for civil conduct are eligible to purchase houses. Undergraduate (or below) students are not allowed to buy affordable housing. Graduate students in Beijing can apply for the purchase of affordable housing with a collective account card. Whether the homeowner can buy it depends on the size of the property house under his name. If it is lower than the housing subsidy area standard, you can use the difference between the two subsidy areas to purchase affordable housing. For example, Ms. Zhang, a senior engineer, has a 59.5-square-meter house, and her subsidy standard is 70 square meters, so she is eligible to buy affordable housing, of which 10.5 square meters need not pay 10% of the comprehensive land price.