Nowadays, the government will allow many demolished households to move to resettlement houses after their houses are demolished, which has helped many demolished households solve their house problems. However, many people do not understand the specific matters and purchase methods of resettlement housing. What is a resettlement house

Resettlement houses are houses built by the government to resettle the demolished households when the government carries out urban road construction and other public facilities construction projects. That is, houses that are demolished due to urban planning, land development and other reasons and resettled for the residents or lessees to live in. According to the provisions of our country's laws, the transfer transaction of a resettlement house can only be carried out after obtaining the property certificate of the resettlement house. The transfer transaction at this time is no different from that of ordinary houses. The resettlement targets are urban residents whose houses have been demolished, as well as farmers whose houses have been demolished. As the pace of urban construction and development further accelerates, it is urgent for the government to build as many resettlement houses as possible to continuously meet the needs of the demolished households. Can I get a mortgage loan for resettlement houses?

Resettlement houses are houses built by the government to resettle demolished households when it carries out urban road construction and other public facilities construction projects. That is, houses that are demolished due to urban planning, land development or other reasons and then used to house the demolished persons or lessees.

If you are not a demolition resettlement household and purchase a demolition resettlement house, you cannot apply for a provident fund loan. You can apply for a housing provident fund loan within 6 months after the demolition and resettlement households obtain the property ownership certificate, deed and tax certificate. If the land where the resettlement house is located has been classified as state-owned land, you can get a property rights certificate for that house. If the resettlement house is funded land, you cannot get a property rights certificate.

If you are buying a house to live in just for yourself and the contract is signed well, there will be no problem. If you buy it for trading, there will be risks.

Purchasing a resettlement house has certain risks, because the resettlement house belongs to an individual. For example, resettlement houses in Shanghai are not allowed to be listed for trading within three years. Therefore, when purchasing, you should pay attention to whether the resettlement house is within this period. . In addition, some resettlement property rights are 50 years, which is different from the 70-year term of commercial housing, so when purchasing resettlement housing, you need to pay attention to avoiding risks.

What are the 3 main advantages?

1. It is an existing house, and some of the early resettlement houses have superior geographical locations and complete community facilities;

2. House type Moderate, mainly small two-bedrooms, small three-bedrooms, and some medium-sized three-bedrooms, that is, the majority of units have a construction area of ??less than 120 square meters, and most of them are multi-story buildings

3. Government-constructed The quality of housing is relatively stable;

4. Relying on geographical advantages and community supporting advantages, the appreciation rate of resettlement housing is consistent with the economic growth cycle and the rate of increase is relatively fast.

More importantly, if these resettlement houses do not have property rights, the price will generally be lower than the market price.

Of course, there is another objective reason. Owners of resettlement houses often enjoy multiple houses, which makes them have the demand and possibility to sell.

The above is the content of resettlement housing loans introduced by the editor.

(The above answer was published on 2018-12-18, please refer to the actual situation for the current relevant home purchase policies)