What is the common property right house? As the name suggests, it is the property right of the house jointly owned by the buyer and the government. So which area has the common property right house? How much is the price of the common property right house? How to apply?
Where has the common property right room
The reporter found that at present, Beijing, Shanghai, Nanjing, Fuzhou, Yantai and other places have such houses, other cities are also following up. The common characteristics of the common property right houses in these cities are: common property right, low price, taking care of the people who have no houses, Limited sales.
The advantages and disadvantages of the common property house
Recently, Beijing has successively issued some policies for CO ownership housing, and several co ownership housing projects are applying online. Let's take Beijing as an example to see the advantages and disadvantages of common property houses.
3.2 million homes for 1.6 million
For example, for an 80 square meter co ownership house, buyers can buy 50% of the property right at a price of 20000 yuan / square meter. In this way, the buyers spent 1.6 million on the house, and the part held by the government is also worth 1.6 million, and its market price is 3.2 million.
That is to say, you can spend 1.6 million to live in 3.2 million houses and own half of the property rights.
Much cheaper than ordinary commercial housing
How cheap is the co ownership house
Taking the public housing of xingjingyuan, Daxing District, Beijing, which started online application on July 26 as an example, according to the official website of Daxing District Housing and Urban Rural Development Commission, its average price is 17500 yuan / m2. According to the app data of haipo Yunfei, the adjacent commercial housing, the average price is as high as 75000 yuan.
Assuming that the housing area of the above two projects is 80 square meters, it will cost 6 million to buy haipo Yunfei, while it will cost only 1.4 million to buy the Green Land & middot; xingjingyuan co ownership house, which is 4.6 million cheaper!
However, the buyers of xingjingyuan only own 40% of the property rights, and it is understood that the house type is not as good as some ordinary commercial houses.
Minimum down payment of commercial loan 30%
The down payment ratio of common property houses is a little lower than that of ordinary commercial houses. Recently, the business management department of the people's Bank of China, together with the four departments of Beijing Municipality, issued a notice:
If the co ownership house is the first suite, the minimum down payment ratio is 30%; if not, the minimum down payment ratio is 60%.
In this case, the purchase of a 2 million yuan co ownership housing, at least to pay 600000 down payment.
The above refers to the situation of commercial loans. The reporter learned that if it is a provident fund loan, the minimum down payment ratio of the common property house is 20%. To buy a two million yuan co ownership house, you have to pay at least 400000 down payment.
Non Beijing nationality can also apply
What kind of people can apply for joint property right housing
First, the applicant should have full capacity for civil conduct, and the family members include both husband and wife and minor children. If a single family applies for purchase, the applicant should be at least 30 years old.
Second, the family should meet the housing restrictions in Beijing, and the family members have no housing in Beijing.
Each district has its own relevant requirements, which will be stated in the project announcement.
Recently, Beijing issued a new policy to provide qualified talents with support for the purchase of jointly owned houses. It is worth noting that from the above policy point of view, non Beijing residents can also apply for CO ownership housing.
Is the probability of joint property right housing application high
The difficulty of application varies greatly in different locations.
According to the official website of Beijing Municipal Commission of housing and urban rural development, China Railway country garden co ownership house, which was announced in February this year, is located in Yongfeng Industrial Base in Haidian District. 29380 households scramble for 616 houses, and the probability is about 2%.
Dongguan Tianrun & middot; and lijiayuan in Yanqing District, which finished the house selection in January this year, are far away from the urban area, with 8710 households scrambling for 620 units, with a probability of about 7%.
It won't be sold until five years later
Only after five years of obtaining the real estate certificate of the co ownership house can the share of the property right be transferred according to the market price.
Who can buy it? According to the Interim Measures of Beijing Municipality on the administration of housing with common property rights, under the condition of the same price, the agency can give priority to buy it. If the agency gives up the preemptive right, then other families that meet the conditions for the purchase of common property housing can also buy it.
After the purchase, the property right of the house is still 'co ownership house', and its share in the property right of the house remains unchanged.
In the view of people in the industry, there is basically no investment attribute for the housing with common property rights, which is also in line with the regulation principle of "housing without speculation".
Finally, from the location point of view, compared with ordinary commercial housing, common property housing is relatively remote.
The above is a small series for you to introduce the relevant content of the common property room, thank you very much for reading.