On the issue of buying a house with co ownership

Hello, according to your situation, if buying another house now is indeed considered a second house, then there is indeed a lot of additional expenses in terms of tax rate and loan.

Then, according to your assumption, if the transfer of property rights is successfully handled, then your girlfriend's re-purchase of the house can indeed be calculated as a house.

The procedures for the transfer of property rights are relatively complicated, and the relevant methods of the real estate management bureau in each district are also different, under normal circumstances, most people will choose to take the way of buying and selling to complete the transfer of property rights, then it is the general cost of the buying and selling process, tax avoidance is relatively difficult at present, especially in the case of temporary tax exemption and exemption in Beijing this year, in acceptable circumstances, you can choose to operate through an intermediary, as long as you are willing to pay a certain intermediary fee in this regard Then it is much better to follow their paths and means of operation than to operate on your own.

That's not how it is calculated, the first home purchase, not the first home you own, but the first home you buy, can enjoy the deed tax deduction.

Moreover, if the transfer of property rights is subject to taxes, both the buyer and the seller must have, deed tax, handling fee, registration fee, production cost, achievement utilization fee, etc., if it is purely to adapt to the policy of buying a house for the first time, it is even less cost-effective. The money transferred should be more than the amount you would have paid for your first home purchase.

Can you accept a co-ownership home? Buy half of the property and have the option to buy it back later.

Summary. If you buy a co-ownership house, you can't buy a house anymore. Co-ownership housing is affordable housing, and a family can only own one property.

If you later acquire another home in any form (inheritance, purchase, gift), the co-ownership property will need to be vacated. Families (buyers, spouses and minor children) who have already purchased a co-ownership house should withdraw from the purchased co-ownership house when they purchase a commercial house (including second-hand housing) again. If a family that has purchased a house with common property rights has not withdrawn from the house with common property rights, the real estate registration agency shall not handle the online signing and filing of the purchase contract for the re-purchase of commercial housing (including second-hand housing) and the registration of ownership.

Can't buy it anymore.

If you buy a co-ownership house, you can't buy a house anymore. Co-ownership housing is a type of affordable housing, and a family can only own one property. If you later acquire another home in any form (inheritance, purchase, gift), the co-ownership property will need to be vacated.

Families (buyers, spouses and minor children) who have purchased a co-ownership house should withdraw from the purchased co-ownership house when they purchase a commercial house (including second-hand housing) again. If a family that has purchased a house with common property rights has not withdrawn from the house with common property rights, the real estate registration agency shall not handle the online signing and filing of the purchase contract for the re-purchase of commercial housing (including second-hand housing) and the registration of ownership.

Summary. First of all, if you want to buy a condominium, you should make sure that you are eligible to buy it when you buy it. Different situations have different eligibility requirements for the purchase of co-ownership housing, and the purchase can only be made after meeting the conditions and applying successfully.

Secondly, you should be sure that you will not regret buying a co-ownership home, because even if you can sell it freely at a later stage, there are many restrictions. And the normal purchase of other commercial houses will also suffer from a lot of restrictions, so if it is not not the economic aspect does not meet the requirements, it is recommended not to buy it.

Hello, it's a pleasure to answer for you. The reasons why it is not recommended to buy a co-ownership house are: 1. The co-ownership house is jointly owned with **, and individuals cannot buy and sell at will.

2. If the co-ownership housing is converted into 100% property rights, it will be the same as the commercial housing. 3. Even if the co-ownership house meets the purchase and sale requirements, it can only be sold to those who are qualified to purchase the co-ownership house.

Co-ownership housing emerged as a way to help some poor families own a home, which is jointly owned by the buyer and the state. For home buyers, the possession of Tanzen orange is only the right to live in the house, and it does not have the right to buy and sell the house. The property owned by the condominium group can only be bought and sold five years after obtaining the property ownership certificate, and there are many restrictions on buying and selling.

First of all, if you want to buy a condominium, you should make sure that you are eligible to buy it when you buy it. Different situations have different eligibility requirements for the purchase of co-ownership housing, and the purchase can only be made after meeting the conditions and applying successfully. Secondly, you should be sure that you will not regret buying a co-ownership house, because even if you can sell it freely in the later stages of the collapse, there are many restrictions.

And the normal purchase of other commercial houses will also suffer from a lot of restrictions, so if you don't send Li Yuan to disturb the jujube noodles that do not meet the requirements, it is recommended not to buy it.

Whether or not a co-ownership house is worth buying depends on your own ideas and economic conditions.

What is a condominium:

Co-ownership housing refers to the signing of a contract between an individual and the local government, stipulating the share of the property rights of both parties to the house, as well as the distribution of the price obtained from the future listing of the house. For example, low- and middle-income families with housing difficulties when buying a house, according to the individual contribution, but also proportional contribution, after the purchase of the house, the two jointly own the house property, the house property rights are divided equally with the public. As for the specific proportion of capital contribution, it depends on the contract between the individual and the **.

Application conditions for co-ownership housing:

First, the applicant should have full capacity for civil conduct, and the applicant's family members include both husband and wife and minor children.

Second, if a single family applies for purchase, the applicant should be at least 30 years old.

Third, the applicant family should meet the city's housing purchase restriction conditions and none of the family members have a house in their names", and a family can only purchase one set of co-ownership housing. Buyers who meet the above three conditions at the same time can apply for a co-ownership property.

Key advantages of condominiums:

The low total price brought about by the reduction of the property rights ratio and the low down payment ratio of 30% stipulated by the policy (40% for ordinary commercial houses and nearly 50% for second-hand houses).

The main disadvantages of condominium housing:

Again, you are limited by transactions, so you need to consider whether the main purpose of buying a house is to live in or to appreciate the value.

If you are currently short of funds, have the conditions, and the qualifications can be met, you can consider co-ownership housing, after all, the cost is small, and you can also bear part of it.

But if your conditions in all aspects are still good, then it is recommended to buy a commercial house, after all, it is the most convenient to control all your own things.

I don't think this kind of property right house is worth buying, the so-called co-ownership house is actually what we often call small property right houses in our lives, and most of them are relocated households. You buy such a house, you have neither a title deed nor enough evidence to prove that the house belongs to you, and you are not a villager in this village, so you will suffer in many matters.

If there is no dispute over the title, it is possible to consider it, but if there is a better option, do not choose this type of co-ownership property. Just like a small property, there can be a lot of trouble if you don't handle it well.

Not worth buying. It's okay if it's only used for what you need, but it's more troublesome as an investment or just in case you cash it out.

The "co-ownership" in the property right refers to the fact that there are other people who jointly own the house with the owner, and the house has more than one real estate certificate.

A house with common property rights requires the consent of all property owners before the property rights can be transferred, and all property owners need to come forward to complete the formalities, so as long as the other property owners sign and agree, the transaction can be sold.

Question: How much can a husband and wife buy a co-ownership house?

Answer: Under normal circumstances, it is recommended to buy less than 60 square meters. Husband and wife to buy a house, first of all, you should buy a house according to your own needs, whether you want to have children, whether the elderly in the family live together.

If you feel that the area is smaller, you can buy a larger one.

Question: Can't buy a larger area.

What is the maximum area.

If you don't have children, you can only buy 60 square meters.

The location of the co-ownership house is not good, are you sure to live with it for the rest of your life?

Compared with ordinary commercial housing, co-ownership housing is very cheap on **, and many people are envious of renting people who are eligible to buy, but temporarily abandon the purchase, and some people feel that they regret buying co-ownership housing, and it is too miserable to apply for co-ownership housing single. Below, we will bring you an introduction to the relevant content.

If you buy a co-ownership house, you will regret it

1. You can't buy and sell at will

The property rights of the co-ownership house are not 100% owned by the buyer, but in fact they buy a house in partnership with **, and the individual only occupies part of the property rights, so there is no sovereignty over the purchase and sale of the house.

Although the buyer can buy part of the property rights in the future, they need to obtain the real estate ownership certificate for 5 years, that is, they can repurchase the property rights in their hands 7-8 years after buying the house, and they still have to listen.

2. It's not cheap

Converting the property ownership ratio of the co-ownership house into 100% property rights, in fact, the ** of the house is the same as the surrounding commercial housing**, which is not cheap. And the co-ownership housing is not as good as ordinary commercial housing in terms of geographical location and community facilities.

3. There is little room for appreciation

Co-ownership properties are not only limited in terms of the number of years they can be bought and sold, but also in the number of people who can buy them. The person who changes hands must also meet the application conditions of the co-ownership property. Therefore, there is no investment attribute in the co-ownership house, and there is almost no room for appreciation.

It's miserable to be single in a shared property

Although a co-ownership home has the same rights as other houses, it does not mean that there are more interests than other houses. In addition, in terms of application qualifications, co-ownership housing also puts forward certain requirements for applicants.

For the first target of co-ownership housing, the first target is the family that meets the conditions of Beijing's housing purchase restriction and has no housing under the name of the members of Jiayou Hongting. Among them, if a single family applies for purchase, the applicant must be at least 30 years old. Single families under the age of 30 can "rent before buying" to form a gradient consumption.

Therefore, some friends think that it is too miserable to be single in a co-ownership house.

I regret buying a co-ownership house, and it's too miserable to apply for a co-ownership house to be single, so I'll sort it out here for you.

If you buy a co-ownership house, you can also buy a house, and the co-ownership house is a co-ownership method with the buyer to ensure the conditions for future housing listing transactions and the distribution of the proceeds. The main purpose of co-ownership housing is to allow low- and middle-income families with housing difficulties to buy a house, which can reduce the cost of buying a house by co-owning property rights with **, which is conducive to meeting the rigid needs of houseless families and further stabilizing real estate. The disadvantage is that there are restrictions on the conditions and conditions for purchasing costumes.

If the buyer does not withdraw from the co-ownership house, then the real estate registration department will not let the buyer go through the online signing and ownership registration procedures, that is, only one of the two types of commercial housing and co-ownership housing can be selected, and they cannot exist at the same time.

Article 366 of the Civil Code stipulates that the owner of the right of residence has the right to possess and use the usufructuary right of another person's residence in accordance with the contract, so as to meet the needs of living and living.

Can I get a mortgage on a condominium home.

Judging from the current regulations, co-ownership housing cannot be used for mortgage loans, because the property rights of the house are jointly owned by the purchaser and **. But that doesn't mean that a co-ownership home can't be used for a mortgage at all.

1. **Restricted.

**Eligible for families who meet the conditions for purchasing a co-ownership house;

2. The number of holdings is restricted.

If the buyer obtains other housing through purchase, inheritance, donation, etc., he shall purchase ** share according to the market, and withdraw after obtaining the property right of the commercial housing, or repurchase all the property rights of the agency on behalf of the buyer;

3. Restrictions on Transfer.

In principle, the transfer of property rights is not allowed if the real estate ownership certificate of the co-ownership housing has been obtained for less than 5 years. If the real estate ownership certificate has been obtained for 5 years, the purchase can be given priority; **If the pre-emptive purchase is waived, the family that meets the conditions for the purchase of the co-ownership house can be transferred.