What do you mean by a house with only the right to use?
After buying a house, buyers want to apply for the property certificate of the house, but not all houses can apply for the property certificate. If the property buyer buys a house with only the right to use, then the house cannot handle the property certificate and other related documents. That is to say, even if the buyer lives in the house, he has the right to use the house, but because his property right certificate is not the buyer's, the buyer only has the right to use the house and has no ownership, so the buyer can't get compensation when the house is demolished.
What is the harm of buying a house with only the right to use?
1, which cannot be converted into a property house.
If the house bought by property buyers only has the right to use, then the house can't handle the property right certificate, so it can't be converted into a property right house. Generally speaking, houses with only the right to use have preferential policies when purchasing, so if you want to change from a house without property rights to a house with property rights, you must also be restricted by policies. Now there are few policies that can turn the right to use the house into a property right house, which is very difficult. So buy a house with only the right to use it carefully.
2. Unable to apply for a loan
When buying a house with only the right to use, the buyer can't apply for a loan, but only choose the full amount, because the property right of the house needs to be mortgaged to the bank when buying a house with a loan, and the house with only the right to use has no real estate license and can't apply for a loan from the bank, which will increase the pressure on the buyer when buying a house. Moreover, from the seller's point of view, property buyers may take improper measures to buy houses with only the right to use, which will lead to many problems in the transfer of the right to use houses.
3. There is a hukou problem.
For families with children at home, when buying a house with only the right to use, it is not difficult to enter the house because the house has no ownership, so the children's learning problems will become problems in the future. Even if they can enter the house, because the seller does not move out of the account, or because of various delays, even if the buyer has moved in, it is impossible to move into the account because the current head of household does not agree.
The above is about the meaning of a house with only the right to use, and what is the harm of buying a house with only the right to use. Although many property buyers also want to buy a house with only the right to use, but because the price is very cheap when selling, Bian Xiao still wants to remind everyone that if they have the ability, they should consider buying a house with full property rights. Although the price is more expensive, it is relatively safe.