Can a small property be paid in installments, and can a small property be paid in installments?

It is not feasible to pay in installments for small property rights, because small property rights houses have not been approved to be built, then there are no legal procedures for real estate, and such houses cannot apply for bank loans.

Because the small property right house has not been approved to be built, then there is no legal formalities for the property, and such a house cannot apply for a bank loan. Small-scale properties are not protected by law.

Risks of buying a small property.

1. Lack of "five certificates".

If you don't have the "five certificates", you can't apply for a real estate certificate. There are no property rights and are not protected by law.

2. It is difficult to compensate for demolition.

As long as the relevant approval procedures have been completed in accordance with the law, it is a legal building. However, it is not excluded that those illegal buildings outside the scope of ** regulations, if they conflict with the national plan, are likely to be demolished, and the owners will not receive compensation for demolition and resettlement.

3. The quality is difficult to guarantee.

These houses are cheap, the quality of the houses is not supervised, and some developers will cut corners in order to make money, which is a safety hazard. This kind of house is generally developed by the village where the land is located, in addition to the quality of the house and the after-sales warranty of the house is difficult to guarantee, the property management after moving in is also very prone to problems.

4. Small property rights cannot be mortgaged or listed for resale.

Due to the lack of a formal title certificate, small property rights cannot be used as a mortgage or listed for monopoly. These are all things that buyers need to pay attention to when buying a small property.

5. Mortgages cannot be used for small property rights.

Small property rights can not be registered with the real estate management department, so you can not handle other rights such as mortgages, no other rights are equivalent to no legal pledge mortgage to the bank, bank loans can not be approved, which means that you need to pay a lump sum to buy a house.

An important reason for the existence of small property rights is that it is very cheap, providing a shortcut to buying a house for many people who cannot afford to buy a house but have housing needs. However, there is a greater risk that the purchase of this type of house cannot be guaranteed by law and policy, so it is necessary to be cautious when buying this type of house.

When applying for a loan, it is required that the collateral must be with clear property rights, and small property rights refer to houses built on farmers' collective land, and the property rights of collective land are not clear, so small property rights cannot apply for loans.

Although there is a real estate certificate for a small property right house, this real estate certificate is issued by the township ** or village committee, and there is no real estate certificate issued by the state for a small property right house. Only large property rights have a state-issued property ownership certificate, so only large property rights can apply for loans.

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Small property rights can not be registered for mortgage can not use installments, installment payment needs to be loaned, and the loan needs to be handled by valid procedures such as real estate certificates, small property rights do not have the land use certificate and pre-sale license issued by the state, and the land and housing management bureau will not give the record of the purchase key room contract, and cannot handle the mortgage.

[Legal basis].

Article 32 of the Measures for the Administration of Urban Real Estate Mortgage shall submit the following documents to the registration authority for inspection of real estate mortgages: (1) the identity certificate or legal person qualification certificate of the mortgage party; (2) Application for mortgage registration; (3 Qi Zao) mortgage contract; (4) "State-owned land use right certificate", "house ownership certificate" or "real estate right certificate", and the co-owned house must also submit the "house co-ownership certificate" and other co-owners agree to mortgage the certificate; (5) Documents and supporting materials that can prove that the mortgagor has the right to create a mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority. Article 60 of the Law on the Administration of Urban Real Estate stipulates that the State implements a system of registration and issuance of certificates for land use rights and house ownership.

Legal analysis: small property rights can not be paid in installments, small property rights housing refers to the construction of houses on rural collective land, unpaid land transfer fees and other fees, and its property rights certificate is not issued by the state housing management department, but by the township ** or village **. Because the small property right house has not been approved to build a rolling shirt, there is no legal procedure for the collapse of the property, and such a house cannot apply for a bank loan.

Small-scale properties are not protected by law.

Legal basis: Land Management Law of the People's Republic of China Article 11 The land owned by the peasant collectives belongs to the village peasant collectives in accordance with the law, and shall be operated and managed by the village collective economic organizations or villagers' committees; Where a farmer's collective is already owned by two or more rural collective economic organizations in the village, it shall be operated and managed by each of the rural collective economic organizations or villagers' groups in the village; Those that are already owned by township (town) peasant collectives shall be operated and managed by township (town) rural collective economic organizations.

1. Can small property rights be paid in installments Small property rights cannot be filed with the housing authority, so it is not possible to go to the bank to go through the mortgage payment procedures, and can only be paid in one-time or installments! As for the down payment ratio, this is set by the developer himself! 2. What should I do if I buy a small property?

If a small property has already been purchased, the state will not issue a title deed, which will lead to a series of adverse consequences for the buyer in the future. How to protect the legitimate rights and interests of small property buyers to the greatest extent? Depending on the situation, the measures available to home buyers are as follows:

1. If the contract has been signed but the property right certificate has not been obtained, and the house is built on collective land, and the buyer is not a local resident, in view of the possible policy risks and legal risks, you can request to terminate the contract and return the purchase price paid, which is the most direct way. 2. If you have purchased a farmer's house of a local resident or a "red certificate house" with a property right certificate from someone else, and the house payment has been paid and you have moved in, but you cannot handle the transfer, it depends on the specific situation. 3. If you have purchased a house built on collective land and obtained a property right certificate or land use certificate issued by the local township, you can live in it yourself or rent it, or give it to residents with local household registration.

4. If it is a commercial residential project on collective construction land under construction, after entrusting a professional institution to assess the market risk and legal risk, the land acquisition procedures shall be completed in accordance with the existing land management norms, and the land acquisition procedures shall be submitted for approval in accordance with the prescribed procedures of the commercial housing project, and possible remedial measures shall be taken. The answer is yes, but it should be noted that the installment payment here refers to the installment payment of the small property to the seller, not the payment of the purchase loan to the bank. Since there is no state-issued property ownership certificate for small property ownership, it is generally not possible to apply for a mortgage loan from a bank.

Small property rights can not be paid in installments, installment payment needs to be loaned, and the loan needs to be handled by valid procedures such as real estate certificates, small property rights houses do not have the land use certificate and pre-sale license issued by the state, and the land and housing management bureau will not give the record of the purchase contract, and cannot handle the mortgage.

Article 32 of the Measures for the Administration of Urban Real Estate Mortgage shall be submitted to the registration authority for the registration of documents listed in the lower flush hole: (1) The identity certificate or legal person qualification certificate of the mortgage party; (2) Application for mortgage registration; (3) Mortgage merger, dispersion, and withering; (4) "State-owned land use right certificate", "house ownership certificate" or "real estate right certificate", and the co-owned house must also submit the "house co-ownership certificate" and other co-owners agree to mortgage the certificate; (5) Documents and supporting materials that can prove that the mortgagor has the right to create a mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration machine.