On second thought, there are only three kinds of cheap houses. One kind of house is a commercial apartment, another is a house auctioned through judicial channels, and the third is a haunted house. The haunted house is terrible. Let's talk about the pits of the other two cheap houses for the time being. The small ones cost tens of millions, and the big ones cost money, but the houses are still owned by others ... such as small property houses and houses that are not for sale.
The first category: commercial and residential apartments
Many people think that commercial and residential apartments are not limited to purchase, but they can still live. Although the property right is a little short, it is cheap. What's more, some commercial and residential apartments are still water and electricity for others. Commercial and residential apartments can't be settled except for provident fund loans, which seems to be a good choice for those who are not qualified to buy ordinary houses.
However, in the actual process, many property buyers realize that they have been fooled into buying commercial and residential apartments after confirming their purchase intention or even paying the down payment! Why do you say that? Because the taxes and fees of commercial housing are ridiculously high.
On the whole. Sellers of second-hand housing transactions need to pay: value-added tax, personal income tax, land value-added tax and stamp duty. The buyer needs to pay deed tax and stamp duty.
The second category: houses auctioned by judicial organs.
Let's first understand what a French auction room is:
It is the abbreviation of real estate court auction, which refers to the house that is forcibly auctioned by the court. When the debtor (owner) is unable to perform the mortgage contract or pay off the debt, the creditor applies to the court for compulsory execution through various judicial procedures, and auctions the house under the debtor's name to pay off the creditor's rights with the proceeds from the auction. The house auctioned in the process is the so-called auction house.
Give a chestnut: Xiao Song mortgaged his house to the bank to borrow money to do business, but his character was not good and his business failed without money. At this time, in order to recover her loan, the bank needs to apply to the court for auctioning Xiao Song's house to pay off her loan. Xiao Song's house became a studio.
The disposal process of the auction house is generally like this:
The court sealed up → the third party issued the real estate appraisal report → the first auction → the second auction → the third auction → the sale → the debt repayment → the judicial ruling → the transfer.
Because the period of domestic judicial proceedings is relatively long, according to the court, the first auction often takes one year or even two years to seal up, so the price of the auction house's first auction is often the market price a year ago. If the first auction fails, the court will start the second auction, and the price of the second auction is generally 80%~90% of the first auction. If the second auction fails again, the court will start the third auction, and the price of the third auction is generally 80%~90% of the second auction. If the third auction fails, the court will no longer entrust the auction house to auction, but will auction directly by the court.
In recent years, housing prices in major cities in China have risen too fast. As the starting price of auction houses is relatively cheap and is not restricted by the qualification of buying houses, more and more people participate in the auction. However, after three auctions, the properties that have not been auctioned will be included in the scope of sale. The sale is divided into two stages: in the first stage, investors are free to bid, and the highest bidder wins; In the second stage, investors can quote freely, and if the creditors are satisfied with the investors' quotations, the transaction can be concluded. If the property is sold and re-bid, the property will be paid directly to the creditor.
The third category: haunted houses
In a word: live by yourself, be afraid! Want to shoot, no one wants it! Of course, some people don't believe in haunted houses at all, but people in China are very afraid to buy these things. If you mind or are not sure whether you mind, don't buy.
(The above answers were published on 2017-01-17. Please refer to the actual situation for the current purchase policy. )
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