The income level of Chinese people is generally low relative to housing prices, but as a necessity, many people will buy a house of their own even if they are under great pressure.
Nowadays, the vast majority of urban dwellers have already bought houses, and as time goes by, people's attention to houses is not limited to buying and selling, but also the age of the house.
As we all know, the property right of a house in mainland China is 70 years, and the starting time of the property right is not determined by the time you buy the house, but from the date when the developer obtains the right to use the land.
To put it more simply: the property rights of the house are calculated from the time the developer bids for the land, not from the time the buyer gets the real estate certificate.
In other words, even if many people buy new houses, in the past, developers generally hoarded land to achieve higher profits, in fact, the vast majority of people bought new houses have passed the property tenure for several years.
So the question is, if the 70-year property right expires, whose ownership of our house will be at that time? Is it possible that we spend half our lives on a house that can only last for 70 years?
For this question, the state has given a specific answer, and what should be paid attention to in handling real estate certificates, let's find out together:
.01
When 70 years expires, who does the house belong to?
Although the term of property tenure in mainland China is 70 years, this does not mean that the property will be owned by the state or other owner after the expiration of the tenure.
On the contrary, when the term of the property right expires, whether the corresponding land use right can be continued depends on the approval and regulations of the government department, and the land use right can be further extended if the relevant provisions are met.
This means that even if the 70-year tenure expires, the property will still be owned by the owner and will continue to be used for a sustainable basis. And even if it needs to be renewed, the associated costs will not be a heavy burden for the owner.
Moreover, the state has clearly stipulated the renewal fee, and the fee is calculated according to a more favorable standard. According to the regulations, as a result, the property purchased will remain the personal property of the owner, who will have the right to use the property in perpetuity.
.02
What should I pay attention to when buying a house and applying for a real estate certificate
1. Check the developer's state-owned land use certificate
The main reason for checking this document is that only if the document is an official land use certificate and has not been mortgaged, we can successfully apply for the real estate certificate after signing the purchase contract, otherwise it is very likely that the real estate certificate will be difficult to handle.
There are many buyers on the Internet who have not applied for a real estate certificate for several years or even more than ten years because of this negligence, so when we buy a house, we must remember to check the developer's state-owned land use certificate.
2. The question of whose name is written on the property certificate
In the past, people did not know much about the handling of real estate certificates, thinking that whose name is written on the real estate certificate, the house belongs to whom. With the continuous improvement of mainland laws, there is a more detailed division of the ownership of houses.
First of all, if the house is purchased before marriage, even if the house has the other party's name written on it, it is also personal pre-marital property and is not allowed to be divided.
And we should still try to write a person's name when applying for the real estate certificate, so that if we want to buy a second property if the loan is not repaid in the later stage, then the impact is relatively small.
If the names of two people are written on the real estate certificate, then when buying a second house, there will be certain restrictions, and everyone should still consider this clearly.
Secondly, if the real estate deed has a person's name written on it, but the house is purchased by two people with joint contributions, in this case, if the party who has not registered his name can prove that he or she contributed to the purchase of the house, it belongs to the joint property of both parties; If you can't prove your own contributions, then the house belongs to the personal property of the registered party, and even if you divorce in the future, the other half will not enjoy the division.
3. If one party applies for a mortgage to pay the down payment before marriage, and the husband and wife repay the loan jointly after marriage, only the name of the party who goes through the mortgage procedures is written on the property right certificate obtained after marriage. In this case, although the husband and wife jointly repay the loan after marriage, it is still determined that the mortgaged house belongs to the property of one party before marriage.
In conclusion, in fact, the land use period is calculated from the beginning of the developer's acquisition of the land, which means that many people buy the house in their hands, but after the construction and sales process, the real service life in the hands of the owner is not enough 70 years.
And after the expiration of the land use period, we do not have to worry about the house being taken away, because the Civil Code stipulates that the right to use residential land can be automatically renewed.
That is to say, as long as we pay a certain renewal fee in accordance with the provisions of the law, we can continue to enjoy our house and land.
As for the payment standard, the state has also made provisions, that is, the maximum payment standard does not exceed 5 figures, and the minimum standard is not less than 15.6 yuan per square meter.
So you can rest assured that the house is our personal property and we have the right to use it in perpetuity.