The growth of this road is also full of blood and tears! Because I just joined the work and didn't have much savings, I didn't plan to buy a parking space at first, so I parked my car directly on the side of the road. Considering the limited parking spaces on the roadside, I went home in a hurry to grab the parking spaces on the first day after work. Wandering around the community for more than ten minutes, I'm exhausted. Finally, I stopped in a traffic jam. When I went to drive the car the next day, a layer of dust fell and the rear of the car was scratched with a long "scar". It's not over yet! The following week, I was posted twice by the traffic police. During that time, I was in a bad mood. I thought buying a car was a happy thing. I haven't thought about it, but all the trivial things after buying a car make me sad. After paying the fine in tears, I made up my mind to buy a parking space!
First: how to park in the community?
First, I went to the property and got the access card. Now turnstiles and railings are generally installed in the community, so I need to swipe my card at the door. I spent 50 yuan on an access card and paid a month's management fee. After the car enters the community, I have to consider the next question, whether to buy a parking space or rent a parking space.
Second: Is the parking space bought or rented? Which parking method is more cost-effective?
There are two kinds of parking spaces in residential areas, one is private parking spaces (underground and above ground), and the other is temporary free parking spaces on both sides of residential roads (some residential areas do not have them). Temporary free parking spaces have to be robbed every day, and scratching is more serious. Sometimes you have to argue with your neighbors and grab a parking space like a lion's roar. It's scary to think about it, so this parking method is direct PASS away, so the question to consider is whether to buy or rent a private parking space. According to a small survey, the price of parking spaces in Zhengzhou is now 654.38+ 10,000 to 350,000 (even higher). Parking space rent: 300 yuan/month is generally rented for low-grade residential quarters, with an annual rent of 3,600 yuan, and 600 yuan/month is rented for high-grade residential quarters, with an annual rent of 7,200 yuan.
Next, we will calculate which parking method is more cost-effective from two aspects: parking space price and average parking space price.
Car parking space: calculated according to the average price of 6.5438+0.8 million, 60 years can be counted, and the annual parking space expenditure is 3,000 yuan;
Parking space: the average monthly rent is 450 yuan, and the annual parking fee is 5,400 yuan;
Judging from the annual expenditure alone, it is more cost-effective to buy a parking space.
In addition, from the perspective of parking space investment, taking Kangpingyuan Community in Zhengzhou City as an example, the market price of standard parking spaces is 20 155,000 yuan, and the annual growth rate of parking spaces is 12.9% and 2015.
The annual growth rate of parking space price reached14.29%; Taking Zhengzhou arcadia Community as an example, the market price of standard parking spaces in 20 14 years was 240,000 yuan, in 20 15 years it was 270,000 yuan, and the annual growth rate of parking spaces reached 12.5%, and in 20 16 years it was 320,000 yuan. The annual growth rate of parking space price reached 18.52%.
In this way, I decided to buy a parking space without hesitation, but what kind of parking space to buy, what precautions to pay attention to when buying a parking space, and how to buy a parking space with limited funds all need a lot of research.
Third: What types of parking spaces are there?
1, three-dimensional parking space. Refers to the parking space with independent building structure.
The three-dimensional parking space has an independent building structure, which fully meets the conditions of becoming the object of exclusive rights of building ownership. Moreover, its land use right is clearly stipulated in legal documents such as the Construction Project Planning Permit. Its construction area calculates the floor area ratio, participates in the allocation of construction land area, and actually bears the cost of obtaining land use rights. Therefore, this kind of parking space can be registered with real estate ownership (including transfer registration), and the registered owner is the legal owner holding the real estate ownership certificate.
Therefore, developers have the right to sell or rent three-dimensional parking spaces, and the owners or developers who buy parking spaces enjoy the real estate rights of three-dimensional parking spaces.
2. Ground parking spaces. Refers to the parking facilities directly set on the ground of the residential area and marked by marking, dividing, etc.
The ground parking spaces are only divided by marking lines, which do not have the shielding required by the building, and do not meet the independence standards in structure and use. According to the theory of differentiated ownership of buildings, it cannot be the object of exclusive rights, but only the object of * * * rights. Moreover, the land use right of this parking space is shared on the building that calculates the building volume ratio, and it should be owned by the building owner who calculates the building volume ratio, that is, all or part of the owners of the community.
3. The parking lot on the first floor. Refers to the parking space formed by heightening the first floor of a building.
Under the current legal system, the construction area of the parking space on the overhead floor of the first-floor building is not counted, and the corresponding share of land use right area cannot be obtained. Its legal right is attached to the buildings in floor-area ratio, and it is also an appendage of residential housing units. All or part of the owners of the community enjoy the parking space on the first floor of the overhead floor according to law.
In reality, some developers sell a layer of overhead parking spaces, and some property management companies use the situation that owners don't know the property rights of parking spaces for paid leasing. These acts also violated the legitimate rights and interests of all owners of the community.
4. Underground parking spaces. Refers to the parking space built by developers using underground space.
According to theoretical standards, some underground parking spaces have independent building structures and belong to the object scope of exclusive rights; Some underground parking spaces are relatively simple in structure and belong to the object range of * * * *. According to legal standards, the construction area of underground parking spaces in most buildings is not calculated, and the property rights of such parking spaces should belong to all owners of buildings; However, there are also some local regulations that the construction area of some underground parking spaces is calculated by the building volume ratio, and such parking spaces can of course have independent property rights.
5. Parking spaces on the roof platform of the building. Refers to the parking space set on the roof platform of residential commercial housing.
At present, the parking spaces on the roof platforms of buildings are not very popular in China, but with the increasing shortage of parking spaces, there will be more and more disputes about such parking spaces. The ownership of the roof platform is also controversial. Some people think that the roof platform should be owned by the building owner; Some people think that it should belong to the ownership of the penthouse, because the appendages of the penthouse belong to the penthouse owner. From the structural point of view, the parking space on the roof platform is similar to the parking space on the ground, but it is simply divided by lines and does not belong to the object scope of exclusive rights. Moreover, the use of the roof platform is more of its space, and this space obviously belongs not only to the top owners, but to all the owners of the building. Therefore, we believe that this kind of parking space should be owned by all owners of the building.
In Zhengzhou's major residential areas, we are most familiar with underground parking spaces and ground parking spaces. Underground parking spaces are generally the first thing car owners will consider. It is convenient to park, and the car does not need to be exposed to the wind and sun, which can prolong the service life of the car. I bought an underground parking space.
Fourth: How long is the parking space property right?
Property parking space: After the parking space title certificate is issued, it will be owned indefinitely as a property right, but the land use right of the parking space is limited by its service life, just like the land use right of the parking space. Therefore, it is necessary to check the developer's land use right certificate and confirm its land use period. However, according to the property law, the residential land will be automatically renewed after the expiration of the use period, so there is no need to worry about the service life of the parking space.
Right to use the parking space: the owner of this parking space only has the right to use the parking space, and the property right is not in the hands of the individual, so there is no "parking space" and it cannot be bought or sold. In other words, individuals can only sell parking spaces with "parking spaces" property rights, and parking spaces with only the right to use cannot be sold!
How to judge whether your parking space can be sold? Mainly depends on whether your parking space is a property parking space. Parking spaces with property rights: there will be "parking spaces", and the planned use of parking spaces will be marked with "parking spaces" so that parking spaces can be bought and sold. Parking spaces with only the right to use: there is no "parking book". When the right to use the parking space is changed, it is usually carried out when the property is delivered, which involves the signing or transfer of the parking space lease contract (the lease period is not more than 20 years). After the expiration of the contract, it can be renamed, and the sale of non-property parking spaces is actually a lease. This sales contract is essentially a parking space lease contract. According to Article 2 14 of the Contract Law, "the lease term shall not exceed 20 years. For more than 20 years, the excess is invalid. " That is, the longest period for consumers to lease parking spaces (garages) (so-called sales use rights) is only 20 years, and after 20 years, they are not protected by law. When signing a contract, the owner must first ask about the "fixed number of years". Some communities will also adopt a direct update method.
Precautions for buying parking spaces: Some parking spaces belong to civil air defense projects, which are compulsory by the state and prohibited from being sold by developers. According to the current laws and regulations on residential planning, the site used by the community, the parking spaces and garages included in the pool area belong to all owners of the community, and developers or property management companies have no right to sell them. Therefore, the profits from the reconstruction of garages by civil air defense projects belong to all owners, so you should ask clearly about buying and selling parking spaces!
Fifth: What is the process of buying a parking space? How to handle the parking loan? Parking space mortgage process?
The sale of parking spaces should go through four links: house (parking space) verification, contract signing, tax payment and transfer.
1. Housing verification (parking space verification)
Similar to the verification of ordinary residents' housing.
The seller provides: the original and photocopy of the parking permit, and the original and photocopy of the parking owner's ID card.
Time required: generally 10 working days.
sign a contract
Signing is divided into three parts: online signing, gold agreement signing and sales contract signing.
1) online sign
The online sign price is the original purchase price of the parking space.
2) deposit agreement
Signing a deposit agreement is the same as general housing sales, and the part exceeding 654.38+ 10,000 is subject to fund supervision.
3) Sales contract
3. Tax on the sale of parking spaces
The tax base of tax payment is calculated according to the online signing price, which is the original purchase price. Some cities need to make an appointment to pay taxes in advance.
The seller provides: ID card, parking space book, household registration book, marriage certificate (married) and original parking space purchase invoice.
Deed tax: original value ×3%
Stamp duty: original value × 1‰
Transfer ownership
The seller shall provide: ID card, parking space book, household registration book, marriage certificate (married) and original parking space purchase invoice.
Sixth: How to handle the parking loan?
According to the relevant regulations, as long as there is independent parking space property rights, first-hand parking spaces can also apply for mortgage loans. However, compared with ordinary mortgages, the mortgage threshold of first-hand parking spaces is higher. At present, used car parking spaces cannot be mortgaged. However, although first-hand parking spaces can also be used as collateral, major banks have not focused on promoting this business. If they don't know how to deal with parking space staging, they can find someone else to deal with it. In the process of buying and selling real estate, if the owner needs to entrust others to handle it, he can entrust it in the form of power of attorney, and the trustee will conduct the transaction on behalf of the owner or the buyer. That is, the owner signs a document in the notary office, indicating in words that his representative will be granted the right to designate the real estate activities he owns, and the buyer can also designate his representative to conduct the transaction procedures in this way.
I want to find a company that specializes in parking space staging and entrust them to handle the related matters of parking space loan. Because they cooperate with the bank, the parking space can be zero down payment, the parking space loan period is 3 years, the parking space loan interest is 3.3%, and the repayment pressure is not great. I only made the whole parking loan twice, once to their company and once to the bank for face-to-face signing, which was more convenient and convenient.
1, required information:
ID card+house purchase contract+proof of income+bank flow in recent 6 months.
2. Business process:
1) Take all the information, go to the company at the appointed time, fill out the information and then go to the bank.
2) Lending in a week or so.
3. Precautions:
1) Pay attention to answering the return call from the bank (my company and I should pay attention to answering the fixed line);
2) The loan can only be used to purchase parking spaces;
3) Keep in mind the full name, address, current address, legal person, parking number and parking price of the unit;
4) When going to the bank for an interview, pay attention to bring all the information;
4. Access conditions:
1) The borrower must have a job, a fixed office and a fixed office phone;
2) The borrower has good credit information;
3) The credit card or loan cannot be overdue within three months;
4) The status of credit card or loan account cannot be bad debt, stopped payment or frozen;
I consider buying a parking space only 10 days before and after, and my exclusive parking space will be ready! The parking space of 65,438+10,000 yuan, the loan is paid off in three years, and there is no down payment, which is just in line with the small white-collar workers who have no deposits in our company.
Seventh: What kind of parking lock do you choose after buying a parking space?
The parking space I bought is an underground standard parking space. The parking space size is 2.5 meters wide and 5 meters long. Parking space marking is directly planned by the developer. But in order to prevent some unruly car owners from parking their cars in their own parking spaces by mistake, I also bought a remote parking lock online. The choice of parking lock mainly depends on its size and power service life. Especially the power supply: you must choose a parking lock with strong storage capacity, and it is best to charge it once every three months or half a year. If the storage capacity of the battery is not strong, it is very troublesome to take the battery out of the parking lock and carry it upstairs for one night every month, and then take it down and put it in the parking lock.
Eighth: enjoy the happiness of having a car and a parking space!
The relevant contents of parking spaces are all ready, and the next step is to enjoy the life of having a car and a parking space! Go for an outing with three or two friends on weekends, and arrange the time at will. Don't worry about missing the bus, the wind and the sun, friends staying up late at parties, and don't worry about not stopping when you come back. Happiness is in one step! I finally understand the meaning of parking advertisement: having a car is standard, and having a parking space is perfect. I think only people with parking spaces can feel this feeling!
The above content is Bian Xiao's personal experience, and some data are obtained after his own field research. For reference only. Please do not reprint without the author's permission.