Another: Simply explained, the title certificate issued by the state is called property right card. For example, after the developer has gone through the legal project development procedures, he has gone through the land transfer procedures and paid the land transfer fee and use tax (fee) to the state in accordance with the regulations, and the state will issue the land use certificate and the house pre-sale permit to the developer. Such a house is called a big property house. If the state does not issue property right certificates, the certificates issued by township governments are called small property rights. In other words, on the collective land of farmers, only the seal of the township (town) government or village committee proves its ownership, and there is no seal of the national housing management department. This kind of house is a township property right, that is, a small property right house.
Big property rights are complete property rights, including property use warrants and state-owned land use rights. Houses with large property rights enter the secondary market without paying land transfer fees and income gains. Small property rights are incomplete property rights, including only the right to use houses. The essential difference between small property rights and large property rights lies in land use rights. Generally speaking, the house you buy is called "big property right" when it is transferred, and it is called "small property right" when you pay the land transfer fee.
Strictly speaking, second-hand houses with small property rights include: purchased public houses, rural houses, and houses with the right to use. According to the different nature of these houses, they will be treated differently when the property is transferred. "Purchased public housing", as long as the purchaser pays the land transfer fee, that is, 1% of the purchase price, can be equivalent to the listing and sale of commercial housing. "Rural property right" is owned by the rural collective, so it is difficult to change the property right relationship and transition to complete property right, otherwise the land system of the country will be shaken. For the "right to use" housing, there will be a glimmer of hope for listing for sale, because the country has been advocating and trying to carry out reform pilots.
What are the risks of buying a small property right house?
First, according to the risk warning issued by Beijing Municipal Construction Committee, houses with "use right", "rural property right" and "small property right" have no property right protection, no ownership, transfer right, disposal right and income right, so it is impossible to handle property right transfer procedures.
Second, there is no national property right certificate, such as "township delivery room" and "village delivery room" in small property rights. Only the title certificate given by the township government or the village Committee cannot be mortgaged and circulated like a house with big property rights. In case of land acquisition or demolition by the state, it will be difficult to protect the interests of property buyers. The purchase contract signed by both parties is not a formal purchase contract recognized by law. If there is a property dispute, there is no legal support.
Third, the purchase of small property houses like rural property rights can not apply for loans, but can only be paid in one lump sum or in installments, which will inevitably increase the financial pressure of buyers and increase the risk of buying houses.
The reporter learned that according to the policy, the state does not support consumers to buy small property houses, and buyers need to be cautious. Don't "be greedy and cheap and suffer big losses" just because you save money or blindly follow the trend, which is not worth the loss.