How about buying a house and building a house? Detailed explanation of problems related to building houses.

The houses rebuilt are cheap, and many houses rebuilt are only half of the market price, so they are also favored by many buyers. However, due to the property rights of houses under construction, many will retreat. This issue explains in detail the classification, the difference between housing and commercial housing, and the questions and answers related to housing for your reference.

First of all, from the perspective of the nature and ownership of land, two main types of houses are also built.

1. The first one is mainly aimed at the reconstruction of urban villages. After the expropriation and demolition, the houses on the collective land are selected for exchange. Such houses are commonly known as "small property houses".

2. Another kind of house to be rebuilt refers to the house to be demolished and rebuilt on state-owned land, which is generally obtained through allocation and has the five certificates required for development.

Generally speaking, if it is a major urban demolition, it is possible to apply for two certificates in the future. Can do two cards are also divided into affordable housing and commercial housing, which can be directly to the premises bureau to inquire. The difference between the two is that it will take five years to be listed and traded after applying for two certificates in affordable housing, while commercial housing can be traded at any time as long as it has a certificate.

2. What's the difference between redeveloped houses and commercial houses?

Nowadays, many houses are built directly in the commercial housing community, that is, in a community, there are commercial housing and houses, what's more, in the same building, commercial housing and houses are mixed together. Their differences are reflected in the following points.

1, relevant information such as the type of house to be returned is confidential.

Many people only know which communities to build when signing the demolition compensation agreement, but they don't know the area, apartment structure, even floors, supporting facilities and floor area ratio of the house to be built. Once the agreement is signed, only a few levels of areas are available. As for apartment plans, they often appear after the compensation price of the selected area is negotiated. At that time, when encountering unreasonable room types, we often had to admit that we were unlucky and compromise.

2. The building density is too high for lighting.

Due to the low price of the returned houses, developers will increase the housing density in order to ensure profits. To complete the demolition and resettlement in the smallest area, we should not only build the house as high as possible, but also build the house as dense as possible. Many developers do not publicly provide data such as the floor area ratio, lighting rate and greening rate of these buildings. Only by going to the scene can they really understand the situation. There is no natural lighting, which increases the electricity bill. At the same time, clothes are difficult to dry, and the darkness in the room will make people feel depressed.

3. The quality and property of the building community are poor, and the greening is not up to standard.

Because the income is less than that of commercial housing, building houses is more prone to the phenomenon of "cutting corners", so the quality is not up to standard. The common quality problems of houses under construction are: water leakage, turtle cracks in the floor, shrinkage of insulation layer, substandard fire protection and so on. Due to the lack of supervision, developers will not invest too much in landscaping, making the greening of houses less rewarding. In addition, due to the low price, the property service of the community is also general.

4. The building without the pre-sale permit shall be paid in one lump sum, and no loan shall be granted.

Although the average price of some houses is low, the area is not small, so the total price is relatively high. And asking for a one-time payment is an obstacle for property buyers who are not fully prepared for funds.

Third, related questions and answers

1. Can housing provident fund loans be used for demolition and building?

Whether the building can use provident fund loans depends on whether the developer's procedures are complete. If the developer has gone through all the formalities and filed in the provident fund center, you can use the provident fund loan. You can consult the developer for specific questions.

2. Can I buy and sell the Home Return Index?

The index of returning to the room cannot be bought or sold. According to the regulations, the demolition office only recognizes the real estate license during the audit process, and whose name is the real estate license can only be stamped. Even immediate family members cannot change their names, unless the owner dies, and the heirs need to go to the notary office to get the owner's death certificate for inheritance notarization before they can change their names.

3. Can I buy a house with a title certificate and no land certificate?

It is not recommended to buy a small property right house, because after the implementation of the property right certificate, the two certificates will be integrated, and the house cannot be bought or sold later without the land certificate.

4. Can I apply for a permit to build a house?

Need to consult the developer directly whether the building can handle two certificates. At present, it is difficult for some buildings with incomplete information procedures to apply for permits. Generally speaking, developers can freely list and trade newly-built residential areas on land acquired through auction, but they must see whether there are "five certificates" before buying.

Whether the house is worth buying depends on specific issues. After all, for many people who can't afford a house, it's not bad to buy a cheap house to live in. It's just that when we buy, we must pay attention to finding out the nature of the returned house and see if we can get two certificates.

(The above answers were published on 20 16-07- 19. Please refer to the actual situation for the current purchase policy. )

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