Lease-back due property

The property market has entered a dull period, and some developers will launch some similar "hardcover houses and houses with donated areas" for promotion. However, some houses that look glamorous on the surface are actually hidden risks, and many problems may arise after buying them. The following small series lists the four most common types of houses.

1, finely decorated room

Now more and more real estate enterprises are shouting the slogan of "finely decorated houses", but at present there is no relatively perfect acceptance standard for finely decorated houses in China, which makes some people take advantage of it and becomes a disguised profit channel for real estate enterprises. It is conceivable that the cost of buying decoration materials on a large scale is much lower than that of ordinary ones by setting up an independent decoration company, while the price of finely decorated houses is much higher than that of normal houses on the market. How much water is there?

More importantly, some enterprises are under the banner of "fine decoration", and the houses renovated are not exquisite at all, completely ignoring the actual housing experience of residents and completely resigned to fate. Especially in some small cities, due to the lack of unified standardized management, there will inevitably be flaws in supervision, and it is difficult for buyers to complain about rights protection when they encounter problems. Buying a house, please hire a reputable decoration company, although it takes some effort, but the cost and risk are much lower than that of hardcover rooms.

2. Give away a part of the house.

Another kind of house is a gift area, which is also a selling point for developers to attract buyers' attention. Many just-needed families with limited financial capacity can't resist the temptation to give up their space and feel that they have spent so much money to buy a house. It is also appropriate to give me some space. Cheap is not white, but don't forget that developers will sacrifice their own interests to buy a house cheaply. Of course not. From the profit point of view, many donated areas are not included in the property right (not included in the floor area ratio), which means that buyers only have the right to use, but not ownership. However, in the actual appraisal, it is very likely that the unit price of this area will be included in the total house price at a price higher than the cost price and lower than the floor area ratio.

For example, a house with a total area of 120 square meters has the property right of 1 10 square meters, and the cost price is about 8,000 yuan/flat, but the developer may ask for 8,300 yuan/flat when selling. In order to make the buyer feel cheap, he may be in the advertisement. According to the area of 1 10 square meter, the price is 9000 yuan/square meter, but now I have given 10 square meter, and it has become 120 square meter. Although the total price remains unchanged, the unit price per square meter has dropped to about 8300 yuan. You think you are cheap, but you don't know that the actual cost price may be 8000 yuan. The wool is on the sheep, in fact, the developer has not suffered at all.

Generally speaking, developers make full use of information asymmetry to set up a bureau for property buyers. If the donated area is really included in the property right, if it is illegal construction, it will be suspected of illegal construction and will be ordered to be demolished by the Housing Authority.

3. A house with a parking garage

This year, some cities have exposed developers' bundled parking spaces, and these parking spaces do not have formal real estate licenses. For example, the parking spaces that have been included in the pool area originally belonged to all owners, but they were packaged by developers as parking spaces that need to be purchased, forcing property buyers to buy them. You must be careful when you meet this kind of house. Be sure to find out if there is a property right certificate in the parking space. Parking spaces with property certificates are in the planning of residential projects, and invoices can be issued when you buy them. The property right is also the owner's own. If you buy a parking space without a legal title certificate, the invoice can't be issued. If it is discovered by the relevant departments in the future and the developer is ordered to rectify, the owner is likely to lose the right to use, and it is himself who is injured.

4. After-sale rental house

Some commercial projects with poor lots usually adopt this form. For example, a developer splits a commercial project and sells it to many buyers. At the same time, property buyers will lease the output of their houses to the lease object set by the developer for 3-5 years. During this period, the developer or its designated enterprise will pay the buyers an annual rent equivalent to 7% of the purchase price as a return. These 3-5 years' rent can be deducted at one time, but you can't get a return. In other words, if it is 8,000 yuan per square meter, it is 6,500 yuan per square meter for buyers. If you want to get more income, you can only reset the rent when you re-sign the lease contract after the lease expires. In this way, the developer transferred the risk to the buyers. If the project is successful, the profits will go into their pockets. If it fails, they will pay the rent for a few years at most, and the buyer must clean up the mess himself.

To sum up, the above types of houses are nothing more than a speculative marketing and packaging means for developers. Although local supervision has been continuously strengthened, some people will always come up with new ways to deal with it. In addition to calling for supervision, the only thing buyers can do is not to be greedy and cheap!

(The above answers were published on 20 17-08-26. Please refer to the actual situation for the current purchase policy. )

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