Can I get a loan for resettlement housing? Summary of precautions for buying resettlement housing
4hw.com.cn: buying a house has always been a topic of concern. With the development of urban modernization, there will be a large number of resettlement houses for the demolition of many old houses. Can the resettlement houses be loaned? What should we pay attention to when buying resettlement housing? Let's have a look.
1、 What is resettlement housing?
Resettlement housing is the housing built by the government to resettle the relocated residents when the government carries out urban road construction and other public facilities construction projects. That is, the houses that are demolished due to urban planning, land development and other reasons and are resettled to the demolished person or lessee.
According to the provisions of Chinese law, the transfer transaction of resettlement house can be carried out only after obtaining the real estate certificate of the resettlement house. At this time, the transfer transaction is no different from the general house. The resettlement target is the relocated households of urban residents, including the farmers who requisition and demolish houses.
2、 Can I apply for a loan for the purchase of resettlement housing?
At present, resettlement houses in China are divided into two categories:
1. Commercial houses allocated by the government or medium and low price commercial houses allocated and purchased by the government shall be owned by individuals, but shall not be listed within five years, and the house property certificate can be handled after five years;
2. The medium and low price commercial houses allocated by the real estate development company are no different from ordinary commercial houses. They can be listed freely and have a real estate certificate. The former is not a loan, while the latter is equivalent to commercial housing. You can apply for a loan and apply for a mortgage loan.
As ordinary citizens, we can judge whether loans are available for the purchase of resettlement houses from the following situations:
1. Property of resettlement housing: due to real estate factors, the medium and low price commercial housing purchased by the relocation company for the relocated households can apply for mortgage loans.
2. Whether there is property right and whether it can be listed and traded: if the land certificate belongs to state-owned resettlement houses that can be listed and traded, you can apply for loans.
The resettlement houses that meet the above two articles can apply for loans and mortgages to buy houses.
3、 Precautions for resettlement housing transaction
1. Pay attention to the price
Most of the demolition and resettlement houses are transferred and sold when the demolition and resettlement agreement is signed, but the house has not been delivered. Due to the long interval and great changes from the conclusion of the resettlement agreement to the delivery of the house, especially if the price continues to rise, the price may be different at the time of delivery. The relocated households think that their interests have been lost, so they refuse to deliver the house and ask for a price increase, which eventually aggravates the contradiction between the two sides and leads to litigation.
2. Pay attention to the house property certificate
If the land nature of resettlement housing is state-owned, the real estate certificate can be obtained. If it is fund-raising land, the real estate certificate cannot be obtained. The purchase and sale of resettlement housing with real estate certificate is legal. If there is no real estate certificate, it is a small property right house, and the buyer will have no real estate certificate. Once the owner reneges, the rights and interests of the buyer will not be protected.
3. Attention to co owners of property rights
It is not ruled out that there are co owners in some demolition and resettlement houses, and co owners are also risk makers in housing transactions. They find loopholes in the contract, evade legal responsibilities, pursue their own interests, or set obstacles for the performance of the contract. The source and ownership of the demolition house sales contract are clear when it is concluded. If the demolition household claims that the contract is invalid, this behavior violates the principle of good faith and will bring risks to the resettlement house sales.
4. Pay attention to notarization procedures
When buying a resettlement house, buyers should try their best to notarize the house in order to avoid disputes over daily income.
Especially for the resettlement house that has not been built, the risk is greater. Although the buyer and the seller can know the approximate location of the house, they can not determine the specific structure, orientation and community environment of the resettlement house after construction, and the time for handling transfer procedures will be longer. Therefore, when purchasing such real estate, it is very important to sign an effective and operable sales contract and notarize it.