What are the latest policies for small property houses in Xiamen?

The latest policy of small property houses:

First, the risk of small property houses.

1, five phases are incomplete

If there is no "five certificates", you can't apply for a real estate license. Although the "small property right house" is favored by buyers with limited funds in price, there are also many risks in it. The biggest problem is that they can't handle property rights and are not protected by law.

2. In case the compensation for demolition is difficult.

Those "cheap houses" are actually illegal buildings outside the scope of government regulations, except that they cannot apply for real estate licenses. If there is a conflict with the national plan, it is likely to be demolished, and the owner can't get the compensation and resettlement for demolition, but there is nothing to say.

3. Quality and safety are not guaranteed.

Some small property developers will cut corners to make money, and there are hidden dangers in quality and safety. This kind of house is generally developed in the village where the land is located. In addition to the housing quality and after-sales warranty is difficult to guarantee, the property management after occupancy is also very prone to problems.

4, bequests are prone to problems.

Because of the lack of property rights, small property houses will encounter many troubles in inheritance in the future. In the name of new rural construction and old village reconstruction, it is a common operation mode of "small property houses" at present, which has the nature of playing the edge ball.

5. Small property houses cannot be mortgaged and cannot be listed and traded.

Because you can't own a small property right house, it means that the house doesn't belong to you legally, so you have to mortgage it. Generally, banks won't lend it to you, and the law doesn't allow it to be listed for sale.

Second, what should I do if I have bought a small property right house?

1. If the sales contract has been signed but the property right certificate has not been obtained, and the house is built on collective land and the buyer is not a local resident, in view of the possible policy risks and legal risks, you can request to terminate the contract and return the paid house purchase price. This is the most direct method.

2. If you buy a local farmer's house or someone else's "red certificate house" with property right certificate, the house price has been paid and you have moved in, but it is more troublesome to handle the transfer, depending on the specific situation.

3. Those who have purchased houses built on collective land and obtained the property right certificate or land use certificate issued by the local township government can live or rent them themselves or sell them to residents with local hukou. This situation is generally not dangerous.

4. If it is a commercial housing project on the collective construction land under construction, after entrusting a professional institution to conduct market risk and legal risk assessment, it shall complete the land acquisition procedures in accordance with the current land management norms, and take possible remedial measures in accordance with the prescribed procedures for commercial housing projects.