Only after clearing the debts of commercial banks and signing a demolition agreement with the owners can the demolition be obtained. Therefore, for the owners who choose monetary compensation, the demolition party should actively help them repay the bank loans; For owners who choose property rights replacement, they should help them transform the houses originally mortgaged to commercial banks into resettlement houses and re-sign loan agreements. Laws and regulations: only those who have reasonable and legal right to use the house are the compensators for demolition. Although they haven't got the real estate license because of the outstanding loan, the borrower is the reasonable and legal owner of the house in law.
The difference between resettlement houses and commercial houses 1, and the difference of land resources sources.
The land of resettlement houses is sold, so it is different from normal commercial housing (commercial housing development and design, real estate developers take land according to the way of sale). However, if the demolition and resettlement houses have registered their property rights and obtained the house ownership certificate, they can also be listed and traded. Therefore, it depends on whether real estate developers register the property rights of resettlement houses.
2. Differences in property rights
Many resettlement houses do not have complete property rights, that is, they have real housing use rights, but they do not necessarily have real land use rights certificates. The property right of many resettlement houses is allocated land, that is, no land transfer fee has been paid. Commercial housing is a complete property right, that is, real housing rights and complete land use right certificates. Land use is transfer, which is actually the payment of land transfer fee. Therefore, in the process of re-trading in the future, resettlement houses may be required to pay land transfer fees.
3. Differences in quality
The profitability of resettlement houses in capital construction is usually very limited, so contractors can often cut corners to improve efficiency. In addition, the supervision of the work department is not in place or even colludes with each other, resulting in the widespread existence of resettlement houses with lower quality than commercial housing.
Is the second suite more expensive than the first suite? 1, loan fee. The bank loan interest rate of the second home loan is much higher than that of the first home loan. The interest rate of the second-home provident fund loan is 10% higher than that of the first-home provident fund bank loan. The bank loan interest rate of other commercial loans should be in accordance with the requirements of major banks, but generally speaking, it is very high.
2. Property deed tax. The living area within 90㎡ is charged at 1% for the first set, and the usable area within 90㎡- 144㎡ (which varies across the country) is charged at 1.5% (which is also calculated at 3% according to the decreasing proportion of the whole country), 144㎡ or more. The deed tax on the second apartment is 3% (there are differences across the country).
The second latest mortgage policy is 1. The second suite is paid into the employee's family provident fund, and then two sets of self-occupied commercial houses are purchased. The down payment for the second suite is reduced by 20%; For employees who own 1 apartment and have paid off the corresponding housing loans, in order to improve the living conditions of the second suite, the minimum down payment ratio for the second suite is 30%.
2. For families who purchase a second set of self-occupied commercial housing by stages, the down payment ratio of the first suite shall not be less than 70%, and the annual interest rate of the second suite loan shall not be less than 1. 1 times of the benchmark loan interest rate. Branches of banks can increase the down payment ratio and interest rate of second-home loans under the premise of unifying the national loan policy in combination with the newly formulated task and policy of second-home price control by the local municipal people's government.