I believe many people have heard of fund-raising houses, but those who have never really touched the construction or sales of fund-raising houses have only a "layman" understanding of fund-raising houses, based on their own opinions. So what is a fund-raising house? Can fund-raising houses be bought and sold? Learn with us.

What is a fund-raising house?

Fund-raising housing is to raise funds to build houses, which has changed the system that housing construction is contracted by the state and units and shared by the government, units and individuals. Individual workers can give partial relief according to all or part of the contributions of house prices, credit, building materials supply, taxes and fees. The ownership of fund-raising houses shall be determined according to the proportion of capital contribution. Individuals who fully contribute according to the house price have all the property rights; If an individual contributes, he will own part of the property rights.

Generally, state-owned units come forward to organize and provide their own state-owned allocated land for construction land, and the state reduces some taxes and fees, and the employees who participate in fund-raising contribute part or all of the construction. After the house is completed, it belongs to the employees and is not for sale. Property rights can also be shared by units and employees, and will be transferred to individual employees after a period of time. Belongs to a kind of affordable housing.

The difference between fund-raising houses and commercial houses;

The biggest difference between general commercial housing and fund-raising housing is the difference of land use rights. General commercial housing is the sale of land use rights, land leasing. "Fund-raising house" is a kind of house that changes the traditional system that housing construction is contracted by the state and units, and the government, units and individual workers share the housing cost, and raises funds from various channels for housing construction without market purchase and direct distribution.

Compared with ordinary commercial housing, fund-raising housing has obvious differences.

First of all, ordinary commercial housing is a product independently developed by real estate developers, and then its value and use value are realized through market buying and selling relations, which is a complete market operation behavior. Therefore, the general consumer groups of commercial housing are extensive and there are no special restrictions.

Secondly, there are differences in various procedures of bidding between fund-raising housing and general commercial housing. Real estate development companies must have "five certificates" to develop and operate general commercial housing, that is, they must have planning land permit, construction project planning permit, commencement permit, land use permit and housing sales permit at the same time. General commercial housing land is for sale, mainly through bidding, auction, listing, market transfer and other means to obtain.

Can I borrow money from the fund-raising house?

Fund-raising housing is to raise funds to build houses, which has changed the system that housing construction is contracted by the state and units and shared by the government, units and individuals. Individual workers can give partial relief according to all or part of the contributions of house prices, credit, building materials supply, taxes and fees.

The fund-raising house can be mortgaged, but it needs the consent of the unit. The materials generally needed are: the application form and contract (company seal) for employees to raise funds to build houses; The approval of the unit to raise funds for building houses (issued by the Housing Reform Office) and the roster of employees who participate in raising funds for building houses after the audit; The "Agreement on Raising Funds to Build a House" signed by individuals and units; Copy of the planning permit for the unit to raise funds to build a house; A copy of the construction permit for the unit to raise funds to build a house; Receipt and personal identity certificate of individual's payment of fund-raising housing funds.

Can fund-raising houses be bought and sold?

1, fund-raising houses cannot be bought or sold casually.

First of all, the fund-raising house depends on whether the seller (owner) basically owns all property rights (real estate license, land use certificate) and whether the unit has special restrictions. After obtaining the foreign sales license from the real estate management department, you can buy and sell.

If the property right of the fund-raising house has been completely transferred to the employees, it can be bought and sold, and the seller needs to pay 1% more than the commercial house. Because the original land was allocated by the state, it needs to be allocated for sale now. In this way, after the buyer buys it, it is a commercial house. If the property right is not completely transferred to the employee, then the employee needs to negotiate with the unit where he works, so that his employee can fully own the property right, otherwise it may not be transferred.

2. Buying and selling fund-raising houses or failing to apply for real estate licenses.

Fund-raising house is a property built by enterprises and institutions to solve the housing problem of internal employees with the allocated land use rights and part of the funds raised from internal employees. After completion, it is transferred to internal employees at a lower price. Fund-raising houses cannot be freely transferred in the market. Moreover, the property right of the fund-raising house belongs to enterprises and institutions in the form of overall property right, and employees only buy the right to use the property, and there is no complete property right, so there is no independent property right registration certificate for the fund-raising house.

Does the fund-raising house have a real estate license?

The fund-raising house has no real estate license. Fund-raising house is a property built by enterprises and institutions to solve the housing problem of internal employees with the allocated land use rights and part of the funds raised from internal employees. After completion, it is transferred to internal employees at a lower price. Fund-raising houses cannot be freely transferred in the market. Moreover, the property right of the fund-raising house belongs to enterprises and institutions in the form of overall property right, and employees only buy the right to use the property, and there is no complete property right, so there is no independent property right registration certificate for the fund-raising house.

As the property right of fund-raising house belongs to enterprises and institutions, it is an integral part of enterprise property. Enterprises and institutions have the right to dispose of fund-raising houses, and can use the fund-raising houses as collateral to borrow money from banks. If the enterprise fails to repay the bank loan due, the bank can sell the collateral to repay the loan through legal procedures. Buying a fund-raising house is actually the right to use the house, and its right to use depends largely on the credit status of the property owner.