Now buying a house has become one of the most important events in many people's lives, because the money needed to buy a house is almost all the savings of many ordinary people. Therefore, many people are very cautious in the process of buying a house, but they will still encounter many problems in the process of buying a house, such as some unknown house types, and resettlement house is a house type that many people do not know. So what does resettlement housing mean? Does the resettlement house have a real estate certificate? What are the risks of a house without a real estate certificate? The small editor of this article will tell you about the risks of living resettlement houses, whether resettlement houses have real estate certificates and houses without real estate certificates. Those who need to buy a house must understand this knowledge. Let's have a look.
1、 What is resettlement housing?
The so-called resettlement housing refers to 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, demolition is carried out due to urban planning, land development and other reasons, and the resettlement house is the house for the demolished or lessee to live and use.
2、 Does the resettlement house have a real estate certificate?
There are two types of resettlement houses: one is the supporting commercial houses built for the relocation of residents due to major municipal projects or the medium and low price commercial houses purchased; Second, due to real estate development and other factors, the demolition company resettled or purchased low-cost commercial houses on behalf of resettlers through other channels. The ownership of demolition and resettlement houses generally belongs to the local or regional housing management office (perhaps the title of some places has changed now). Then the house property certificate needs to be handled through the housing management office. It needs to pay a certain proportion of the current average house price, and then handle the property right certificate, but most of them have no household land use certificate. Therefore, some resettlement houses do not have property certificates.
3、 Can resettlement houses be bought and sold?
If the demolition and resettlement house has obtained the house property certificate, and there is no restriction on external sales, or the period of restriction on transfer has expired, such demolition and resettlement house is no different from ordinary commercial houses, and such resettlement house can be bought and sold. Nowadays, the demolition and resettlement houses listed on the market often do not obtain the property certificate, or just obtain the property certificate, which does not comply with the policies and regulations and cannot be sold.
4、 What are the risks of houses without real estate certificates?
1. There is a risk of selling two houses
If the house does not have a house property certificate, the risk is great. If the house property certificate is not obtained, it cannot prove that the house belongs to itself. The house without a house property certificate has a high risk in the transaction, and both the buyer and the seller should be cautious. For the buyer, the homeowner has the opportunity to sell the house to a high bidder before he gets the property right certificate.
2. Unable to buy a second-hand house with a loan
Now that the house price is so high, it is unrealistic for most families to buy a house with all the money, and the house purchase pressure is too great, so now basically everyone buys a house with a loan. However, if you buy a second-hand house without a real estate certificate, in the view of the bank, the property right of this kind of house is unknown and there is likely to be disputes. In order to avoid risks, you will not pass the loan approval.
3. The demolition cannot be compensated
If the house purchased belongs to illegal development and cannot apply for the real estate certificate, the house purchased by the buyer may be forcibly demolished. Once the house without the real estate certificate is forcibly demolished, the buyer may not be compensated due to the lack of the real estate certificate.
4. The house is used to pay off the debt, and the buyer may be empty
The buyer signed the contract and paid the deposit, but because the homeowner owed someone else's debt, the creditor took the house to pay the debt. If the unreasonable homeowner doesn't pay your deposit, the buyer may end up empty.