First, houses with unclear property rights or property rights disputes may still not be sold next year, and it is impossible to apply for loans.
Just as a person can only prove his identity if he has an ID card, the property right of a house is an effective evidence of the ownership of the house. Whoever writes his name on the property right belongs to the ownership of the house. Everyone knows the importance of housing property rights, so we will not ignore it when buying a house, but in the process of buying a house, we should pay special attention to houses with unclear property rights or troublesome property rights.
Generally, this kind of house is difficult to sell in the market, so we should pay more attention to the listing time of this kind of house. Of course, this kind of house is also difficult to sell, let alone get a loan. Then, in real life, which houses have unclear property rights? For example, the house that my father bought, my father died before going through the purchase formalities.
After that, if the son wants to sell this house, legally speaking, it is impossible to change hands directly, because the ownership of this house is very problematic. The biggest problem is that the property right of the house is not clear. If it belongs to the original purchaser, it will not be able to continue the formalities, and it is necessary to straighten out the property rights before selling.
Second, various forms of property rights of non-commercial housing, with the standardization of the market, it is difficult to buy and sell, it is also difficult to lend.
China's 5,000-year-old cultural history has obvious differences from place to place, and it is also vividly reflected in the real estate field. Since ancient times, people have always regarded self-built houses as the mainstream real estate form. Of course, since the development of the real estate industry in China, the diversification of property rights has always been a major feature of the real estate development in China.
When the real estate industry just emerged, there was no corresponding legal constraint. Before the legal effect of commercial housing property rights, there were a lot of non-commercial housing property rights. To what extent? Bian Xiao believes that it can be described as a property market dominated by small property houses, homestead houses and public property houses.
Until now, these houses still exist in large numbers, but it should be noted that houses in the form of non-commercial housing property rights may be difficult to sell and it is difficult to apply for mortgage loans. Take the small property right house that everyone is familiar with in real life as an example. Small property houses may not be sold and it is difficult to get loans.
Third, houses with a room age of more than a certain period of time are generally not easy to get and borrow after more than 20 years.
Although the function of a house is to live, it cannot be ignored that a house is also a commodity, and the commodity is definitely getting older and older. If you live in a new house for a long time, it will gradually wear out, especially if you live for 20 years, the house will become very old.
Take the old city, the village in the city and the old dangerous house as examples. Twenty years ago, they were also very luxurious and fashionable real estate benchmark types, but with the erosion of years, people now have no desire to live in them.
This is the whole content of this article. It is also a problem that everyone needs to consider when buying a house. It is suggested that we must learn how to distinguish the difficulty of buying and selling houses. At present, the property accounts for 80% of the family property in China. If you don't buy a house well, you may lose money if you can't sell it in the future. It is best to avoid houses that are difficult to sell and borrow.