What is a fund-raising house?

Raising funds to build a house is a kind of housing that changes the system that housing construction is contracted by the state and units, and the government, units and individuals are jointly responsible for raising funds to build a house. Individual employees can contribute in full or in part according to the house price, and the government and relevant departments will give some relief in land use, credit, building materials supply, taxes and fees. The ownership of fund-raising housing is determined according to the proportion of capital contribution. If the individual contributes in full according to the house price, he owns all the property rights; If an individual contributes part of the capital, he owns part of the property rights.

The difference between fund-raising housing and commercial housing

1, land use right difference:

General commercial housing has obtained the transfer of land use rights, while fund-raising housing has obtained the allocated land use rights. Therefore, the cost of building a house is a house directly allocated after raising funds from all parties for building a house, rather than buying it in the market.

2. Some differences in bidding procedures:

Commercial housing real estate development company, in order to develop and operate general commercial housing, must have "five certificates", that is, it must have planning land permit, construction project planning permit, commencement permit, land use permit and housing sales permit at the same time. Generally, the land for commercial housing is for transfer, which is mainly obtained through bidding, auction, listing and market transfer. The land for fund-raising houses is mainly allocated by the government, and related taxes and fees will also be reduced or exempted.

Therefore, in the process of raising funds to build houses, the handling of various procedures is different from that of general commercial housing development and operation.

Therefore, the difference between general commercial housing and fund-raising housing is the difference of land use rights. Ordinary commercial houses have obtained land use rights, and fund-raising houses have obtained allocated land use rights. Therefore, when the fund-raising house is listed, leased, mortgaged and inherited, the land transfer fee should be paid to the relevant government departments.

Risk of buying and raising funds to build a house

1. There is no formal pre-sale contract for the fund-raising house. The purchase agreement presented by the sales staff is jointly printed by the development unit and the village Committee, and is not a formal pre-sale contract for commercial housing.

2. According to the Measures for the Administration of Affordable Housing and the Notice of the Ministry of Construction, the Ministry of Supervision and the Ministry of Land and Resources on Stopping Illegal Fund-raising Cooperative Housing, the state allows units or companies with special circumstances to raise funds to build houses. This kind of property can apply for real estate license, but not for land certificate.

3. The fund-raising house of the unit was built at the expense of the employees of the unit, and the overall property right of the house is in the hands of the unit. Due to the particularity of the fund-raising housing policy itself and the restrictions of local rules and regulations, it usually takes a transition period for employees to obtain property rights, some of which last for several years, and employees in the unit only enjoy the right to use the house before obtaining the property right certificate. Not for sale.

4. The uncertainty of the time to acquire the property right of the house and the subsequent soaring house price, the gap between the price when selling the house and the value when acquiring the property right is too large, and the seller of the fund-raising house reneges, claiming that the contract is invalid for various reasons, and asking the transferee to return the house or refuse to perform the obligations stipulated in the contract. The common reasons are that the real estate department on the real estate license does not prohibit the transfer, fails to handle the original property right transfer registration procedures, disagrees with the unit that formulated the restrictive policy, or fails to seek the consent of the fund-raising house.