With the improvement of people's living standards, buying a car is no longer a luxury for more and more people. And for those who are about to buy a new house, buying a parking space has also become a problem they must consider.
So, should you buy a parking space when buying a house? Regarding this question, look at the experts to calculate the accounts for you, and those who don't know will definitely regret it!
.01
Learn about parking space planning first.
Before buying a parking space, we must fully understand whether the parking space in the community is sufficient, and how much is planned? If the ratio can reach 1 to 1 per capita, then there is basically no need to consider the problem of buying parking spaces, after all, the parking spaces are so sufficient.
Especially for the kind of community with complex, there is no need to worry about the lack of parking spaces, and the garage with three or four floors underground can fully meet the needs of the owners.
In the case of a balance between supply and demand, or even when the supply exceeds the demand, if you buy a parking space, it will not only increase the cost of buying a house in the early stage, but also the appreciation in the later stage will be particularly slow, or even have no appreciation potential at all.
Therefore, if the planning of parking spaces in the community is relatively sufficient, it is not recommended to buy parking spaces when buying a house. Of course, if you have the money, feel free.
.01
Is a parking space a right of use or a property right?
First of all, before buying a car, we must find out whether the parking space is the right to use or the right to use? Let's take a look at the difference between the two:
1. Service life: the property right parking space has 70 years of property rights, and the right to use the parking space only has 20 years of use rights, if the expiration of the term, continue to use to re-purchase.
2. Nature of transaction: property rights parking spaces can be traded, and right-of-use parking spaces cannot be traded.
3. Rights: The owner of the property right parking space establishes the ownership, use and inheritance rights of the property owner of the parking space through the property right registration; the right to use the parking space is generally obtained through the agreement, and the right to use is lost at the expiration of the lease term.
4. Owner: The property right parking space belongs to the property owner and has the property right certificate, and the right to use the parking space is generally the property company or developer.
5. Payment method: The right to use the parking space is paid once a month, quarter or year according to the agreement signed by the property or the developer, and all fees for the property right parking space need to be paid at one time.
Of course, there may be differences due to different regions and policies.
Speaking of which, I would also like to say a few more words by the way:
First, if it is the first time to buy a parking space, then it is necessary to obtain a pre-sale permit, you can sign a contract online, or you can apply for a real estate ownership certificate;
Moreover, the general property right parking space is an underground parking space, and the above-ground parking space must be in the planned building. Unplanned parking spaces in buildings are generally untitled.
Second, if it is a purchase or sale of a parking space without property rights, this is actually equivalent to leasing. Because this kind of sales contract is essentially just a parking lease contract.
And according to the provisions of the Contract Law: "The term of the lease shall not exceed 20 years. More than 20 years, the excess is invalid. In other words, you can only rent a parking space for a maximum period of 20 years, beyond which it will not be protected by law. When entering into such contracts, the owner focuses on the service life.
Therefore, before purchasing, be sure to ask the developer whether this parking space has a title certificate. If you only have the right to use, then buy with caution. Because the right of use may also need the assistance of the property transfer when changing hands, and the price of the transfer must not be high.
.03
Analyze from a financial perspective
In fact, if the parking space in the community is sufficient, then the buyer does not need to buy a parking space, and can consider renting a parking space. After all, the abundance of parking spaces means that it will not only be difficult to appreciate in the future, but also face the risk of being difficult to change hands, and even if you take it to rent, the rental return will be very low.
To put it bluntly, there are enough parking spaces for everyone to rent or use, so why bother buying parking spaces?
For example, if you need 200,000 yuan to buy a parking space now, it may not rise to 10,000 yuan in ten years, but if you use this money to do financial management and achieve an annualized return of 5%, you can earn 10,000 yuan in a year, and this 10,000 yuan is enough for you to rent a parking space, and the extra money can also improve your life.
So in general, whether it is buying a parking space or renting a parking space, everything must be measured according to its own situation, not only taking into account the population demand and parking space supply, but also taking into account its own economic situation.
If you feel that buying a parking space may have a greater impact on your home purchase budget, then there is no need to increase your own debt pressure, especially in the current unsatisfactory environment, increase every point of debt, you must consider many aspects, not only to consider the current economy, but also to consider the stability of future work and income, including the investment value of parking spaces and long-term planning, etc., you need to make wise decisions to make your life more convenient and comfortable.
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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