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    小产权房的坑有多大 别等买了之后才后悔

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    奋斗
    2016-11-30 10:51
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    [LV.4]偶尔看看III

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    发表于 2016-11-11 10:31:09 | 显示全部楼层 |阅读模式

    随着楼市限购政策的“发威”,之前持续火爆状态的楼市如今似乎也开始有所冷却,但在经历过前一阶段的暴涨后,房价仍旧高得令人“叹为观止”。眼前的情况是,想要买套房,经常是一代人甚至是两代人的积蓄才能买一套,所以在越来越贵的房价面前,很多人将买房目光转向了小产权房。

      首先有必要说明一下什么叫小产权房

      通俗点解释,国家发产权证能买卖的叫大产权房,平时我们能买到的普通商品房都属于大产权房,其中包括70年产权、50年产权、40年产权三种。而国家不发产权证的叫小产权房。

      “小产权房”的性质有三种:一种是在集体建设用地上建成的,即宅基地上建成的房子,只属于该农村的集体所有者,外村农民不能购买;另一种是在集体企业用地或者占用耕地违法建设的房子。最后一种是各类农业园或养老院的别墅:这类房屋一旦发生纠纷,购房者无法得到赔偿,因为买卖合同是无效的。

      虽然说,小产权房有一定问题,但是想买小产权房的人也总能列出很多好处,比如:

      小产权房价格相对便宜;

      没有交易流程的税费;

      不限购,有钱就可以买;

      不用担心产权到期问题……

      但是融360房贷君想说,如果不是真的出于无奈,对于小产权房,我们的态度应该是谨慎谨慎再谨慎,能不买就尽量不买,毕竟购买小产权房的风险引发的后果还是很严重的。

      购买小产权房法律风险

      无法办理房产证 无法进行银行贷款和抵押贷款

      小产权房,它这个“小产权”其实是咱民间的一种表述。说白了,你要从合规性上来套的话,它其实是没产权。因为这种房子是没有国家颁发的土地使用证和预售许可证的,当然,你的购房合同在房管局是不能备案了。所以你就不可能拿到一个合法合规,有效的房产证。这其实就是小产权房,最大最大的问题。

      此外,办理产权证,需要五证具备,即国有土地使用证、建设用地规划许可证、建设工程规划许可证、建筑工程施工许可证及商品房销预售许可证。因开发商不具备五证,那么小产权房购买者无法到房管部门办理相关房屋产权证,导致小产权房只具备普通商品房的使用性质。

      同时,购买小产权房没有房产证,没有备案,就不能去银行做贷款,只能一次交清房款。其实压力也蛮大的。那么你不能去银行做贷款,同理你未来也不能拿这个房子去银行做抵押,再者你买卖的时候可能也有很多的风险和坑。

      拆迁难补偿,质量没保证

      因不是房屋合法所有人,无法对抗国家的征地和拆迁,购房者很难得到补偿。若小产权房屋违反国家政策被强拆,购房人可能面临既无法取得房屋,又不能索回房款的尴尬局面。另外开发商在建设小产权房屋时,为赚钱会偷工减料,加上职能部门监管不力,存在严重安全隐患,在实际使用中很多小产权房出现墙体裂缝、房屋漏水等质量问题,更无法达到防风、抗震、防水、消防的建筑规范和标准。一旦发生房屋质量纠纷,购房者维权难,最终只能自行承担损失。

      另外,入住后也存在收取物业费难,物业服务不到位等一系列物业管理纠纷。

      小产权房交易难

      小产权房若向非集体成员的第三人出售,因其没有房产证而无法完成产权过户,小产权房屋购买人完全可以与其他人再次签订房屋买卖协议,达到一房二卖或是多卖的目的,第三人的利益将得不到保证。

      如果再说到遗产的继承等等方面,那麻烦真的是太多了。

      最后,也是最为重要的一点,小产权房的开发建设没有明确的规定加以约束,开发建设的监管存在缺位,对购房者的利益有一定的影响。也就是说,没有产权,没有监管是个灰色地带,那这个房子质量好坏就全看这个开发商的心情和良心了。

      如果你碰上一个非常有良心的开发商,好好给你盖,权当罢了;

      但是缺少监督的情况下,人家是能偷就偷能省就省,说不定这个房子就可能有很大的质量隐患。以后的修缮、修葺可能就有比较大的问题。

      所以综上所述,小产权房,由于它根上就有问题,没有一个合规的房产证。它就可能引出一系列的问题、麻烦和风险。


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