To what extent can residential buildings be traded?

Let me tell you a little bit about the basic nodes of the house.

Two, four links and one level. It is to do a good job of the public facilities around this land. For example, water and water, power grids, television networks, gas, etc.

Third, laying the foundation (digging a pit).

Fourth, build a building. Fifth, capping. That is, the façade of the building is basically out, and a building has been formed.

Sixth, generally, in the process of three to five, it may be opened. The specific opening depends on when the sales certificate is obtained. If a developer wants to sell a property, he must issue a sales certificate by the relevant department before he can sell it.

Therefore, the opening must be after getting the sales certificate. Of course, this involves some means of piercing the air, such as issuing VIP cards, which are actually small orders before the opening of the market, etc.; There are also some cases that postpone the opening date based on the consideration of the sales strategy and sales rhythm.

Seven, check-in. Most of the off-plan transactions are now implemented. In other words, the house is not yet inhabitable but has already begun to be sold.

Therefore, the opening of the market, the house was bought and sold, but it was not yet possible to live in. And moving in, that is, the house is already habitable, and the developer hands over the key to you. From this stage, the person you deal with changes.

In the past, the sale was made with the developer, and the future residence was with the property.

As long as there is a sales license and a sample room, you can do off-plan transactions.

As long as you can negotiate it, you can trade it at any time.

The opening of a project is the meaning of the official sale of a real estate after obtaining a pre-sale license, and it is not directly related to how well the building is built.

It depends on what the sales permit given to you by the real estate bureau is regulated. But even if it is pre-sale, it is the end of the basic structural layer. I hope my answer can help you.

This will not be until the property is topped out before the developer can receive a pre-sale permit, and then you can sign a pre-sale contract with the developer.

In this way, the developer can apply for a mortgage loan.

For more information about mortgage loans, please refer to the following:

Loan terms. 1. Have a permanent urban residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. Have a contract or agreement for the purchase of housing;

4. Able to pay a down payment of not less than 50% of the defense appraisal price after the full purchase price;

5. Agree to use the purchased house as collateral, or provide assets approved by the lending bank as collateral or pledge, or have a unit or individual with guarantee qualification and sufficient solvency as a guarantor to repay the principal and interest of the loan and bear joint and several liability;

6. Other conditions stipulated by the lending bank.

Loan amount, term, and interest rate.

Mortgage loans for second-hand homes are usually up to 50% of the home purchased** or appraised**. The loan term shall not exceed 15 years minus the age of the house, and the maximum shall not exceed 20 years minus the age of the house. The interest rate of the loan shall be the interest rate of the personal housing loan stipulated by the People's Bank of China.

Application Procedures. 1. The borrower submits a written application for the loan and provides the following information:

1) The housing transaction contract signed by the buyer and the seller through the competent department;

2) The property right certificate of the purchased house and the document of the co-owner of the house;

3) Proof of the borrower's family property and income (including personal income certificate, tax certificate, bank deposit certificate, real estate certificate, valuable**, etc.) issued by the employer;

4) The borrower's legal and valid identity certificate (referring to resident ID card, household registration booklet or other valid residence certificate) and marital status certificate;

5) A document in which the borrower and the co-owners agree to use the purchased house as collateral.

2. The buyer and the seller open an account with the lending bank, and the buyer will deposit the first purchase money in full into the account designated by the lending bank.

3. After investigation, review and approval by the lending bank, the borrower signs the loan contract and the "Authorization Letter for Transfer and Deduction" with the lending bank.

4. Handle housing transfer, insurance, notarization and mortgage registration procedures.

5. Transfer the property right certificate. The borrower shall submit the mortgage certificate of ownership, other property warrants and the insurance policy (original) of the purchased house to the lender for mortgage.

6. Transfer loans. After the above procedures are completed, the lending bank will transfer the loan to the borrower's account opened with the lending bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the "Transfer and Deduction Authorization Letter".

Normally, mortgage loans can only be applied for after the cap.

Strictly speaking, it should be after the cap. However, there are also cases that are handled according to the actual completion situation, for example, a building is planned to be 30 floors, and 20 floors have been built at present, so only these 20 floors will be done, and then 5 floors will be built after a period of time, and the developer will apply again, and the housing authority can do these 5 floors after review. This method is generally only applicable to residential buildings, and if it is a commercial property, it must be capped before a mortgage can be issued.

This should also be specific to different cities, and the requirements are different. Hope it helps.

Is it sold by a normal developer? Is the housing procedures complete, what is the current state of the building, and what is the construction status of the site? What is the status of the property now, subscribed or opened?

Whether there is a pre-sale license, etc., and whether it has been announced to the outside world, these need to be understood clearly. If the developer's funds are in good condition, the construction site is normal, and the **house is indeed cheaper than the sale**, you can sign a formal purchase contract with a pre-sale certificate to consider buying.

There must be five certificates: one is the construction land planning permit, the second is the construction project planning permit, the third is the construction project commencement permit, the fourth is the state-owned land use certificate, and the fifth is the commercial housing pre-sale license.

Sign a contract with their company. Don't just look for him, go to their company to sign the formal contract "Commercial Housing Sales Contract".

Real estate developers can ** house after getting the house pre-sale certificate.

After getting the pre-sale certificate, you can open the real estate for sale, pay the down payment, sign the contract, file the record, and wait for the issuance of the certificate.

"Commodity Housing Pre-sale License" is the approval document of the municipal and county people's ** real estate administrative department to allow real estate development enterprises to sell commercial housing. The competent authority is the Municipal Land and Housing Management Bureau, and the certificate is uniformly printed, registered and approved and issued by the Municipal Land and Housing Management Bureau.

According to Article 45 of the Law of the People's Republic of China on the Administration of Urban Real Estate, the pre-sale of commercial housing shall meet the following conditions: 1. All land use right transfer fees have been paid and the land use right certificate has been obtained; 2. Hold a construction project planning permit; 3. According to the calculation of the pre-sold commercial housing, the funds invested in the development and construction of the project have reached more than 25% of the total investment in the construction of the project, and the construction progress and completion delivery date have been determined; Fourth, go through the pre-sale registration with the people's real estate management department at or above the county level and obtain the pre-sale license certificate of commercial housing.

Article 23 of the Regulations on the Management of Urban Real Estate Development and Operation No. 248: 1. All land use right transfer fees have been paid and land use right certificates have been obtained; 2. Hold construction project planning permits and construction permits; 3. According to the calculation of the pre-sold commercial housing, the funds invested in the development and construction of the project have reached more than 25% of the total investment in the construction of the project, and the construction progress and completion delivery date have been determined; Fourth, the pre-sale registration has been completed, and the pre-sale license certificate of commercial housing has been obtained. Article 6 of the Ministry of Construction Decree No. 131 "Administrative Measures for the Pre-sale of Urban Commercial Housing":

The pre-sale of commercial housing implements a licensing system. For the pre-sale of commercial housing, the developer shall apply for a pre-sale license from the real estate management department and obtain the "Commercial Housing Pre-sale License". If the "Commercial Housing Pre-sale License" has not been obtained, the commercial housing pre-sale shall not be carried out.

5 certificates, but for the people, we can't understand the documents, in addition, the state has regulations that the main body of the pre-sold building can only start selling after the cap, you just see that he has no cap.

You need to have five certificates to complete it, and there are two books, and there are two kinds of pre-sale licenses, and it's OK to have these.

It is not easy to answer, because the sub-project in the building can be constructed at the same time (the construction progress of the indoor project can not be seen), mainly indoor painting, water and electricity, floor heating, gas, elevator engineering and other sweeping projects, according to the construction contract, the allocation of project funds, the construction progress can be fast or slow, and the normal situation can be delivered in about a month.

The exterior wall is first insulated (insulation mortar or polystyrene board, or self-insulation, hanging steel wire mesh plastering) and then made exterior wall coating.

It is not possible to do the paint first and then do the insulation.

Plumbing, plumbing, elevators, it's fast. 1 month if it's fast.

When buying a house built on private land, you should pay attention to the following:

1. If the house is a commercial house (with an independent house ownership certificate and land use right certificate), it can be purchased.

However, it is necessary to pay attention to the reliability of the property right: pay attention to whether the owner on the title deed is the same person as the seller; Find out whether it's cost-priced, standard-priced, or affordable housing; Whether there is any discrepancy between the area confirmed by the title certificate and the actual area; Be sure to check the original copy of the title deed and check the authenticity of the title deed at the housing authority.

2. If the house is built on collective land (homestead) (or without land use right certificate), there is a huge legal risk when purchased. Homestead land belongs to peasant collectives, and is allocated by village collectives to peasants for building houses free of charge in accordance with the law. If the land certificate is not state-owned, the local landowner (village committee) should be asked if he agrees.

3. Homesteads are not personal property, farmers only have the right to use, not the right to dispose of, and are not allowed to buy and sell on their own. As for the transfer of members within the same collective economic organization (in the same village) with the consent of the collective organization, it is a different matter. It is necessary to review whether the nature of the land use right is state-owned land or collective land, and if it is collective land, it may not be possible to complete the transaction.

4. Check whether there is a private part of the building: whether there is a platform or corridor that occupies the roof; or whether there is a small attic built in the house; Whether the interior and exterior structure of the house has been altered, such as converting the balcony into a bedroom or kitchen, or dividing one room into two.

5. You should consider the nature of the use of the land (commercial, industrial, residential or other) industrial land.

6. There is a time limit for the construction of the homestead approved by the state, and the state may confiscate the land after the time limit is exceeded, and the land purchase price will not be refunded.

7. The service life of the land shall be temporarily without the service life, 30-40 years for commercial and 70 years for residential use.

See if there are two certificates, namely the house right certificate and the land certificate, if the land certificate is not state-owned, you should also ask the local landowner (village committee) whether it agrees!

This kind of house is a small property and the state has explicitly prohibited the transaction.

When buying a house built on private copy land, pay attention to the following legal issues:

1. The house du

whether it has an independent house ownership certificate and land use right DAO certificate;

2. Whether the house was built on collective land or state land;

3. Whether the house is an illegal building;

4. What is the nature of the land of the house;

5. The service life of the house;

6. Whether the seller of the house is the same person as the real estate certificate, etc.

Article 3 of the Regulations for the Implementation of the Land Management Law of the People's Republic of China stipulates that the State shall implement the land registration and certification system in accordance with the law. The ownership and use rights of land registered in accordance with the law are protected by law and may not be infringed upon by any unit or individual.

The content of land registration and the style of land ownership certificate shall be uniformly prescribed by the land administrative departments. Land registration information can be searched publicly.

What do you need to pay attention to when buying private land to build a house by yourself (not a local hukou).

What is the nature of that piece of land: land for transfer and land for allocation?

Hehe, you can ask professional personnel, such as going to the intermediary for consultation.

A friend has informed the questioner about the license.

Projects that have not started are not allowed, because the pre-sale permit is required by the project image schedule.

Usually, the main structure of the multi-layer must be capped;

Small high-rise buildings must reach more than half of the main structure;

The upper floors must reach more than one-third of the main structure.

Can be sold. As long as the preliminary procedures are complete. You can sell it if you have a pre-sale license.

The five certificates are complete and can be sold, and the others are not negotiable.

Land Certificate, Land Planning Permission, Construction Planning Permission, Construction Permit, Pre-sale Permit.

It's okay if you don't have to start construction, but you have to have a plot of land, plan it well, build it to a certain point, and the people who have made the down payment can pay off the mortgage.