Can a small property right house be loaned?
Compared with commercial housing in the general sense, there is no concept of land lease and developers rushing for profits, so the price of small property houses is generally only 1/3 or even lower than that of commercial housing with the same area. Low price is the fundamental reason why a large number of urban residents buy small property houses to resist property rights risks.
In daily life, many friends will choose to buy small property houses because they are cheap. However, in the process of housing transactions, the real estate license is a necessary document. If there is no real estate license, then the owner only has the right to live in the house and has no right to use it. Naturally, houses cannot be traded or mortgaged.
Because small property houses actually have no property rights, only the seller's sales contract and no approval from the housing management unit, once there is a policy plan, the value of such properties will change greatly, so banks will not mortgage small property houses.
How to mortgage a small property right house
"Several Opinions on Registration and Certification of Rural Collective Land" clearly points out that small property houses are not allowed to register and issue certificates, and the premise of bank mortgage loans is to provide real estate licenses.
As we all know, small property houses are not recognized by the state and are not registered. Therefore, a small property right house cannot be mortgaged in a bank unless it is changed into a large property right house with a property right certificate. However, this does not mean that small property houses cannot apply for mortgage loans. Buyers of small property houses can apply for mortgage loans or personal loans in private guarantee companies.
Mortgage loan for small property houses means that the borrower finds a formal loan company, mortgages the small property houses, carries out short-term loan turnover, and returns the principal at maturity. As we all know, because small property houses can't be listed and traded, they can't apply for bank loans, and the risk of loans being guaranteed by guarantee companies is relatively high, so the interest is relatively high compared with large property houses.
Can a small property right house be loaned? What are the loan methods for small property houses? I believe everyone knows that the price of a small property right house is indeed much cheaper than that of a commercial house, but because it is not protected by law, the property right is incomplete and the risk is relatively high, so everyone should carefully consider whether to choose to buy a small property right house.
In fact, the small property right house is the same as the usual rental house, and there will be corresponding properties. The housing problem is severe, and choosing a small property right house is good for everyone. But there are still many houses on the market that can be bought with loans. Compared with real estate, small property houses are not the best choice. Moreover, in addition to no real estate license, there is also a service life, and the right to use 65 years and 40 years can often be seen. The biggest advantage of small property houses is their commercial value, which can't be compared with any real estate.
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