? The difference between buying a property right house and a room card house in Suzhou city.

Do you know the difference between buying a property right house and a room card house in Suzhou city? Here, Bian Xiao, combining his own incomplete understanding, talks about one point and one family for your reference. There may be some fallacies, which I hope Fang can point out in time and help me to discard the false and retain the true.

(a) the definition and general situation of property rights housing and housing card housing.

First of all, let's talk about the so-called "property houses" among the general population. The official definition is: new commercial housing and second-hand housing except commercial housing that has been sold and commercial housing that has been rebuilt and built. To put it simply, this paper generally refers to ordinary housing with complete formalities such as real estate license and land certificate, which is directly affected by the national purchase restriction policy. Those commercial houses (such as serviced apartments), shops, office buildings and facade houses that are not affected by the purchase restriction policy will not be detailed here, nor will those small property houses built on rural homesteads. "Property right house" has little to do with household registration. Whether the property owner's household registration is located in the "property house" does not affect the property owner's ownership of the "property house".

The "property houses" affected by the current purchase restriction policy in Suzhou include: multi-storey houses, small high-rise houses, high-rise houses and villas. These so-called "property houses" can be roughly divided into two types: one is the so-called "housing reform house", which comes from the welfare housing distribution of various organs and institutions in Suzhou in recent decades; The other is the so-called "commercial housing" built and sold by real estate developers after public bidding, listing and auction by the government (including the so-called "demolition housing" with two certificates that can be directly listed and traded).

The land nature of "housing reform housing" is often "allocation", and there is no service life. In theory, the land use right has always belonged to the property owner. "Housing reform housing" property certificate area is often the interior area, generally there is no pool area, and some are even smaller than the actual area. Because at that time, when welfare was distributed, in order to get the biggest house with the least cost. Interestingly, the area of a unit from the first floor to the sixth floor is actually different. This is what most people call a "very affordable house". Of course, the age of such houses in Suzhou urban area is not short, and with the continuous increase of commercial housing, the proportion is getting smaller and smaller. However, the locations where these houses are located are often good prime locations in the city center (especially in gusu district and Wuxian), and some of them are so-called popular "school districts".

The land nature of "commercial housing" is often "transfer", and the service life is generally 70 years. The title certificate area of "commercial housing" generally includes the pool area, so the actual use area is much smaller than the title certificate area. Many people feel that the director's conscience is getting darker and darker, that is, the gap between the actual use area and the real estate license area is growing. The age of these houses is much shorter than that of "reconstructed houses". The quality of the house can't be compared, at least the structure and architectural design of the house have really improved.

Then let's talk about the so-called "room card room" in the general population. Its official name is "Suzhou directly governing public houses" (the situation of public houses in other districts and counties is more complicated, so I won't say much here). The official definition is: refers to the residential house managed by the real estate management department, and the rent standard is set by the government. According to the regulations, the lessee shall sign the Lease Agreement of Suzhou Zhiguangongfang with the entrusted management department. The term of signing a lease agreement is generally not more than five years. This kind of house only has a lease certificate, so in order to reflect its legal ownership, renters of "house card room" usually settle in "house card room". There are two sources of "house card house": one is the old house that was confiscated by the government after the founding of New China, especially after ten years of catastrophe, and donated by individuals to the country. Most of these houses were built before 1949, and the most prominent feature is the bungalow without toilet in the alley. The so-called "non-complete sets of directly managed public houses", as the Suzhou saying goes, is called "husband's family"; The other is the old residential area built by the government before the end of the welfare housing distribution policy, which has not been transformed into the so-called "property house", as the Suzhou saying goes, "new public housing".

This kind of house is similar to the affordable housing and low-rent housing that were very popular at that time. But there are still obvious differences. At that time, the state tried its best to get these old houses and build some "new public houses" that look very old now, just to solve the housing problem of urban workers in enterprises and institutions in Suzhou city. At that time, the country hoped that the "room card room" would become the current low-rent housing. Therefore, from the unit or the street to this "room card room" is to live. If the renter of "room card room" has the opportunity to get a new house with larger area and better conditions, he must also take off the original house and let the unit or street redistribute it to the workers and the masses who have no room. Later, in the implementation of the policy, there were many out-of-shape situations. In addition, the housing reform began, and units and streets no longer implemented welfare housing distribution for urban workers and people without housing. The "room card room" seems to be a "security room" without property rights. In addition to no immediate family heirs, the "house card room" is generally continued to be rented by the heirs of the original lessor. Under certain conditions, the government also allows tenants of "house card houses" to transfer their original rented "house card houses" in the market with compensation. Its commercial value is fully displayed.

(two) the advantages and disadvantages of the current property housing and housing card housing.

Let's talk about the "property house" first. Suzhou people generally feel that with the two certificates, houses protected by property law and other laws seem to be more secure and can give people a sense of security. Before the implementation of the "purchase restriction" policy, there seems to be no obvious threshold for buying and selling "property houses". "Property right house" can be directly loaned and mortgaged. Most of the "property houses" are in the corresponding communities with complete infrastructure. Generally speaking, environmental sanitation and residents' quality are obviously better than "room card room" ...

The problem is that under the reality that the country implements the policy of "restricting purchases", the disadvantages of "property houses" are also reflected. Many property buyers who want to buy "property houses" are no longer qualified to buy houses. No education is more sad than no funds. Generally, the area of "property right house" is not small compared with most "house card houses", and the natural total price is not low. "Property houses" can be loaned, but the state also implements the policy of "restricting loans". This policy is still national networking, unlike the "purchase restriction" which is regional. Because of the large area, high total price and many national restrictions, the transfer cost of "property house" is also proportional to the transaction price and area. There are not a few people who just need to look at the house and sigh and urgently need to improve their living conditions. The most criticized thing is that the second-hand housing transfer procedures of the "property house" are cumbersome, not to mention others, with dozens of signatures. The transfer of second-hand houses in the park is particularly tedious and lengthy, which is well known in Suzhou.

Then let's talk about "room card room". "House card room" belongs to policy housing. For a long time, renters have been required to have a local household registration in Suzhou. Even from 20 1 365438+1October1,it is stipulated that only residents registered in gusu district, Suzhou, namely those registered in Canglang District, Pingjiang District and Jinchang District, can rent or transfer the "house card room" for free. This further limits the scope of leasing and paid transfer. The "house card house" cannot be loaned or mortgaged. Although the general "room card room" is small in area and the total price is very low compared with the "property room", hundreds of thousands of cash plus the transfer fee from 550 yuan to 800 yuan per square meter still reflects the personal economic strength. Most of the "room card rooms" are in the alleys of Suzhou, and there are not many cars to go. Due to the age of the house, many houses are in disrepair, the appearance is in tatters, and the internal security risks are great. It is not surprising that many people who are used to the potential lease and paid transfer of "house card houses" after 1970 s and 1980 s are afraid of this. Residents living in general "housing card houses", except migrant workers, are mainly vulnerable groups such as local low-income households and the disabled. Their ideas are still obviously different from those of residents in "property houses".

Said so many shortcomings of "room card room". Under the reality that the country implements the policy of "restricting purchases and loans", the advantages of "housing card housing" are also very obvious. The transfer of "room card room" is the simplest, simple and fast, and does not require complicated procedures. In particular, "house card house" inheritance is more time-saving, labor-saving and money-saving than "property house" inheritance. The "room card room" was originally purchased in cash, so it is meaningless to limit the loan. After renting and accepting the "house card room" with compensation, you can also withdraw the provident fund at one time. Most importantly, until now, "room card room" is still not limited to purchase. As long as you have enough cash, in theory, you can even buy all 34,000 "house card houses" in gusu district without worrying about the qualification. "House card houses" are all within the scope of gusu district, most of which belong to prime locations, and many of them are controlled buildings and former residences of celebrities in ancient streets. Its economic value and appreciation potential are obvious. Even without considering the possible demolition and expropriation, the short-term return on investment of "house card house" is obviously higher than that of "property house" under the existing circumstances, and this blog will discuss this.

(The above answers were published on 20 17-03-2 1. Please refer to the current actual purchase policy. )

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