Let's take a look at how the authorities of the Guangzhou Municipal Commission of Land Resources and Planning answered:
"We can't respond to these rumors. The land use life of commercial land is 40 years, industrial and other comprehensive land property rights are 50 years, and residential land is 70 years. The national policy is there and has never changed. I don't know why these news will come out, but a look at the land management law can confirm ... "
Let's take a look at the analysis of Li Wenjiang, chief market analyst of Hefei Brilliant:
"This news is completely unreliable. The revision of China's laws and regulations needs the approval of the National People's Congress, but at present, the National People's Congress has not said so. Our land and real estate are two different things. Everyone is saying that the real estate problem is caused by' outdated restrictive measures', but the service life of this real estate license is not outdated, or it is stipulated by the Land Management Law. "
First of all, let's look at the difference between 40-year property rights and 70-year property rights.
1, taxes, land transfer fee:
Commercial housing pays higher taxes and land transfer fees than residential housing.
2. Mortgage purchase:
Commercial housing cannot use provident fund loans. If a commercial loan is used, the down payment for the house purchase must be 50% of the total price, the service life of the commercial loan is 10 years, and the loan interest rate rises 10%.
For residential houses, you can choose provident fund loans or commercial mortgages. If you choose a commercial mortgage, the down payment for the first suite is at least 30%, the loan term is up to 30 years, and the loan interest rate is the benchmark interest rate or lower; The down payment for the second suite is at least 40%.
3. Use water and electricity:
Commercial housing is charged according to commercial water and electricity standards, and the price is relatively high.
The price standard of residence is relatively low.
4, settled in the school:
Commercial housing cannot be settled, and school districts are not divided.
Residential buildings can be settled and divided into school districts.
Second, what should I do after the property rights of the house expire?
Although the history of China's real estate development is relatively short, we have not encountered the problem of property rights expiration, but the ownership of property rights after 40, 50 and 70 years still needs to be understood.
In China, land and houses on land have different ownership. The difference between land use right and house ownership is that house ownership (that is, house property right) is permanent and there is no time limit. As long as the property is not completely damaged and lost (the design life of residential buildings is generally 50 years), it can be enjoyed all the time. "There is no time limit registration column on the real estate license"; The land use right has a time limit of 40 years, 50 years and 70 years.
In other words, the ownership of the house is permanent. As long as the house does not collapse (the design life is generally 50 years), the house has always been owned by the property owner, but the land is owned by the state. According to different projects, the lease term of state-owned land is different: 70 years for residential land, 50 years for industrial, scientific, educational, cultural and health comprehensive land, and 40 years for commercial, tourism and entertainment land.
In addition, if the land user does not apply for renewal, the land use right and the real estate on the ground will be recovered by the state free of charge. House ownership will naturally disappear.
In another case, if the land user applies for renewal, but fails to approve the renewal according to law (that is, it needs to be recovered according to the public interest), the land use right will be recovered by the state free of charge, but the property on the ground will be compensated according to the residual value at the time of recovery.
Although residential property rights can be automatically renewed after expiration. However, how much land transfer fee needs to be paid when applying for land again, and according to what standard? Is the owner of the house property willing to pay? Can they afford it? Once the owner of the house is unwilling to pay, what should the house on the land do? There is no clear policy to answer this series of questions for the time being.
(The above answers were published on 20 16-0 1-06. Please refer to the actual situation for the current purchase policy. )
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