In the current situation of increasingly scarce land, more and more urban villages have joined the team of demolition and transformation, which has formed the current situation that each commercial house is basically mixed with relocation houses. Although the relocation house can be traded like a normal commercial house as long as the real estate certificate is handled, there is still a great difference between them. Therefore, Xiaobian reminds you to be careful in purchasing commercial houses and stay away from the relocation house.
1、 Difference between commercial housing and relocation housing
1. Differences in the nature of houses
Although the relocation house and commercial house are from the same demolition plot, their nature is still different.
The relocation house is not a commercial house. It is a house on collective land and belongs to the collective. The nature of the plot is usually allocated income. There is no need to pay land transfer fees. It is used by unique people, so the price is cheap. However, if the transfer procedures need to be handled, the land transfer fee needs to be paid.
Commercial housing is mainly operated independently by developers under the market economy with the approval of relevant government departments. It is open to all buyers and can be traded freely. In addition, the owner owns the complete property right of the house, which is not limited to any person and institution.
2. Housing price difference
The relocated house enjoys the preferential policies of the state and belongs to compensation purchase. Moreover, the house price is also the quotation determined by the government department with reference to the actual situation. In the process of implementation, it is strictly controlled and checked by the government. Therefore, in terms of price, the relocation house is better than the normal commercial house.
To a greater extent, the price of commercial housing is the result of market operation. It is not only affected by the regional location of the plot itself, but also affected by economic development, market conditions and the contradiction between supply and demand. There is a lot of room for rise.
3. Loan difference
Generally speaking, the loan for relocated houses is slightly more difficult or complicated than that for commercial houses.
The return house is generally the compensation income or the purchase with the return money. If you really want to invest in the purchase of the return house and want to apply for a bank loan, you first need to have complete five certificates of the return house, which can not be handled only by the return certificate.
In addition, the house value will be evaluated before the loan. The evaluation value of the relocated house is generally not very high, so it also means that the loan amount will not be very high.
Commercial housing loans, as long as there is no problem with the lender's credit investigation and repayment ability, can generally be loaned to the ideal amount. In addition, from the bank level, it is generally only commercial housing loans. The future value and price rise potential of commercial housing are much higher than that of relocated housing, and the risk after handling the loan is relatively small.
2、 Precautions for purchasing relocated houses
1. Payment risk
If you like the cheap price of the relocation house and want to buy the relocation house, you must go through the formal transaction process. That is, those who charge an additional deposit for any reason, or even 8% of the house price, as property buyers, must be careful not to lose more funds for cheap house prices.
2. Is there a real estate certificate
The biggest difference between buying relocated houses and commercial houses is whether their rights and interests are effectively protected in the later stage. Therefore, whether there is a real estate certificate is particularly important for relocated houses. If you buy a house that cannot handle the real estate certificate, you will not be able to transfer and rename in the later stage.
Because only the relocation agreement is useless and can not be recognized by the Housing Authority, the house is still owned by the collective. Only with the real estate certificate can we formally transfer ownership and have the complete rights and interests of the house.