What is a housing reform house?
Housing reform can also be called purchased public houses, which refers to houses that enjoy the preferential policies of national housing reform. That is, the converted public houses purchased by residents are deducted from the standard price or cost price (the old houses are also deducted from the housing conversion). Housing reform is divided into cost price, standard price (preferential price), center delivery room and other types, and each type of housing transaction mode is different. Belong to a part of property rights.
Housing reform houses are divided into discounted houses and full-price houses. 198 1 During the first housing reform, employees can choose to buy houses at a discount or at full price. Discount purchase is commonly known as "three-thirds system", that is, it is purchased at the price of 65438+ 0/3 of the full price; 1990 secondary housing reform, there is no problem of discount purchase, the house price is charged according to the secondary housing reform plan and policy, and the purchaser pays the house price in full.
We can usually judge the category according to the contents recorded in the real estate license. In the column of housing ownership source or remarks, discounted housing reform will record "discounted purchase" and full-price housing reform will record "full-price purchase" or "housing reform sale".
Can I borrow money for housing reform?
Housing reform loan refers to the loan obtained by the borrower from the bank with the saleable public housing purchased from the housing property unit as collateral according to the national housing reform policy.
Housing reform, also known as purchased public houses, refers to the ownership houses obtained by residents after paying a certain amount of money after the housing use right obtained in the original welfare housing distribution era. The purchased public houses can be transferred in the market as commercial houses after obtaining the ownership. When this kind of real estate is listed and traded, the buyer shall pay the land transfer fee according to the product of 1% of the current cost price and the area. After paying the land transfer fee, that is, after the customer buys a house, the nature of the property changes, and the nature of the property changes from the purchased public house to the commercial house. You can mortgage the loan at any time. The purchased reformed housing must be self-owned housing with clear property rights, and the service life of the housing is generally not more than 20 years, and it is not within the scope of the demolition announcement.
What is the housing reform policy?
1994 houses purchased at "standard price" before the promulgation of the State Council's decision on deepening the reform of urban housing system, such public houses sold have partial property rights, that is, possession, use, limited income and disposal rights, which can be inherited. 1999 "notice of the Ministry of construction on further promoting the reform of existing public housing" explains that "employees are encouraged to voluntarily make up the house price and interest at the cost price for the housing that employees have purchased at the standard price. After the employee makes up the house payment and interest at the cost price, the property right of the house belongs to the employee himself. "
According to the Property Law, the property rights of houses are registered. Since the current owner is you, you are the legal owner of the house and have nothing to do with others.
Housing reform is a property right house that participates in housing reform. Some sources are units and some are right to use. If you buy property rights, you have to pay the land transfer fee. This varies according to the percentage of original property rights. If you buy the right to use according to the length of service, most of the welfare houses are property houses, which are allocated to individuals by units.
Settlement of property rights disputes in housing reform;
1. Handling of disputes over housing ownership caused by the termination of labor relations between employees participating in housing reform and employees purchasing public houses by selling units. Workers who participated in the housing reform of the unit purchased public houses, and were asked to take back their houses on the grounds that they were no longer employees of the unit because of their transfer, resignation or dissolution, dismissal or termination of labor relations with the selling unit. According to the current laws and regulations, the transfer time of house property right is subject to the property right certificate. Before obtaining property rights, employees terminate their labor relations with the selling units and lose the qualification to buy public houses at preferential prices. Therefore, the house sales agreement signed by both parties is invalid in performance because the buyer has lost its due subject qualification. Units selling houses have the right to repossess houses.
2, due to the death of employees who participated in the housing reform, to solve the housing reform inheritance dispute. The employee participated in the housing reform of the unit before his death and paid the purchase price, but died of illness before handling the real estate license. Can the property be inherited as an inheritance? This problem is complicated, so we should handle it differently according to different situations. According to the existing laws, the time for the transfer of housing property rights is subject to the title certificate, that is, without the title certificate, you will not enjoy the ownership of the house. According to the provisions of China's inheritance law, heritage is the personal legal property left by citizens when they die. The legal property here includes property and property rights.
Transaction tax and land transfer fee for housing reform:
Housing reform, also known as "purchased public houses" and "listed public houses", is a kind of property that employees buy out by distributing units to individuals in the form of welfare housing distribution at the price stipulated by relevant departments. In the housing reform, only the property with the nature of "cost purchase" can be directly listed and traded.
Deed tax and stamp duty
Pay according to the deed tax and stamp duty standard of commercial housing.
Land transfer fee
The housing reform needs to pay the land transfer fee, and the calculation formula is: current cost × construction area × 1%.