Some real estate developers use land use rights to make mortgage loans to banks because of the shortage of funds. In accordance with the requirements of the civil law, if the right to use construction land is mortgaged, the houses and buildings on the land shall be pledged together. If property buyers are not required to apply for the land use right certificate, it will be difficult to understand the pledge set on the land use right and prevent risks immediately. Once the real estate developer can't repay the bank loan, the financial institution will bid for the land use right according to law and get priority compensation from the contract money. At this time, the legitimate rights of consumers in the real estate industry will not be safeguarded.
2, can not find the fact that real estate developers illegally use land.
Some real estate developers blindly pursue economic benefits, and carry out real estate development without complete land planning procedures or even the right to use construction land. If property buyers neglect to apply for land use right certificates, it is difficult to realize that they are buying illegal buildings without land use rights. At this time, the real estate developers are either dead or unable to compensate, and the buyers are the ones who suffer the losses.
3. Second-hand housing transactions cannot be carried out.
Real estate listing transactions, we must provide housing warrants and state-owned land use rights certificates. Many owners in the development of second-hand housing transactions, can think of going to the real estate business for land use permits, but at this time most of the real estate business offices are empty. This has brought great inconvenience to the prospective transaction owners and also affected the rapid development of the second-hand housing market.
4, housing demolition compensation will be damaged.
The Ministry of Housing and Urban-Rural Development requires that the evaluation price of house demolition be the real estate market price of the house to be demolished. Therefore, the compensation for house demolition includes not only the use value of the house use right, but also the use value of the land use right. The user has paid the corresponding land use fee when purchasing the property. However, if the buyer does not apply for the land use right certificate, he may not be able to obtain the corresponding land use right compensation in the process of house demolition. If there is no land use right certificate, it is difficult for demolition enterprises to determine the right of community owners to legally apply for land.
What are the disadvantages of helping people buy a house? 1. If you help others buy a house in your own name, there will be disadvantages such as loss of buying a house, increased cost of buying a house again, and possible property disputes;
2. If you are entrusted to help others buy a house, there is often a risk that the individual purchase behavior is invalid and the individual purchase behavior exceeds the agency authority.
What materials do you need to help others buy a house? 1. If China citizens notarize the power of attorney, they shall submit the ID number (ID card and household registration book) of the client. Entrusted by the legal representative, the legal person qualification certificate and the legal representative's ID card shall be submitted; To apply for notarization of entrusted house mortgage, the identity certificate and qualification certificate of the client shall be provided on the premise of providing the identity certificate and qualification certificate of the client;
2. Documentary documents related to the entrusted matters (if the client entrusts others to apply for the sale of the house, the client shall submit the certificate of ownership of the house, and if the client entrusts others to apply for notarization of inheritance, the relevant inheritance certificate shall be submitted);
3. When the sub-principal applies for the justice of sub-entrustment, he shall submit the relevant certificates of the right of sub-entrustment;
4. Herbal power of attorney or herbal power of attorney.
What problems should I pay attention to when helping others buy a house?
1, if it's a full house, it's probably ok. If the house has a loan, you need to borrow in your name. Once your friend's assets have problems, your personal credit will be hacked after the mortgage is cut off. Although there are houses mortgaged to financial institutions, financial institutions can't find you any inconvenience in money after solving the damage of real estate, but it is basically impossible for this bank to lend money to banks (even some small private loans) in the future. What should I do if I need money urgently and need a loan?
2. At present, the purchase restriction policy is strict, and the first set of indicators seems to be a vital network resource for everyone. If you hang a house for others, this network resource is equivalent to being occupied by others, which will endanger your future purchase. In particular, buying a developer's first-hand house, the real estate license has not been done. If you were in a hurry to buy your own house, it would be difficult for you to quickly solve the house you once hung below.
3. It is very likely that you will sue others for the distribution of a family's property ... Some people with ulterior motives want to ask you to transfer assets. When the time comes, once he has a dispute case, it is likely to involve you, so why let people be used as guns?
4. Be sure to sign a written agreement with the borrowed celebrity to buy a house by quota and establish a practical agreement on the rights and obligations of buying a house in name. If the borrower is married, the relevant agreement should also be signed by the other half. If the conditions for renaming are ripe, the property owner needs to register the transfer of property rights in time.