How to check if a property has all five certificates
When purchasing a property, ensuring that the property has “all five certificates” is an important prerequisite to ensure the safety of the property purchase. The five certificates refer to the five legal certificates that developers must have when selling houses, and none of them is indispensable. This article will introduce in detail how to check whether the five real estate certificates are complete, and attach recent hot topics and hot content to help you better understand the real estate market trends.
1. What are the five real estate certificates?
The "five certificates" for real estate include:
| Document name | function |
|---|---|
| "State-owned Land Use Certificate" | Prove that the developer has legally obtained land use rights |
| "Construction Land Planning Permit" | Confirm that land use complies with urban planning |
| "Construction Project Planning Permit" | Approval of building planning and design plans |
| "Building Project Construction License" | Allow developers to start construction |
| "Commercial Housing Pre-Sale License" | Allow developers to pre-sell commercial housing |
2. How to check whether the five certificates of the real estate are complete?
1.Check the bulletin board on site: According to regulations, developers should display the originals or copies of the five certificates in a conspicuous position at the sales office, and buyers can ask to see them.
2.Log in to the government website to query: The official websites of local housing and construction departments usually provide five certificate query functions, such as:
| area | Query URL |
|---|---|
| Beijing | http://zjw.beijing.gov.cn |
| Shanghai | http://zjw.sh.gov.cn |
| Guangzhou | http://zfcj.gz.gov.cn |
| Shenzhen | http://zjj.sz.gov.cn |
3.Consult the local housing authority: Bring your ID card to the housing management bureau window to inquire, or call the 12345 government service hotline for consultation.
4.View contract terms: The formal house purchase contract will indicate the five certificate information, so be sure to check it carefully before signing.
3. Recent hot topics in the real estate market
1.Many places have introduced new policies for the property market: Recently, Nanjing, Hefei and other cities have successively relaxed purchase restriction policies, attracting market attention.
2.Mortgage interest rates continue to fall: The 5-year LPR has dropped to a historical low, and the cost of buying a house has decreased.
3.Guaranteed delivery of buildings has achieved remarkable results: According to data from the Ministry of Housing and Urban-Rural Development, the delivery rate of guaranteed-delivery building projects nationwide in 2023 will exceed 90%.
4.The housing rental market is active: Rental demand in key cities increased by 15% month-on-month, and rental levels remained stable.
| hot topics | Related data |
|---|---|
| Property market transaction volume | New home sales in key cities increased by 12% month-on-month in June |
| land market | Land transfer fees fell 18% year-on-year in the first half of the year |
| Number of second-hand house listings | 13 key cities exceeded 200,000 units |
4. Things to note when inquiring about the five certificates
1.Check the validity period of the certificate: Pay attention to check the issuance date and validity period of each certificate.
2.Verify the authenticity of documents: The authenticity can be verified through the government website or by scanning the QR code of the certificate.
3.Pay attention to the mortgage situation: Some developers may mortgage their land for loans, and the mortgage status needs to be confirmed.
4.Keep query records: It is recommended to take photos and save the five certificate information as a basis for rights protection.
5. Risk warning of incomplete five certificates
Purchasing a property with incomplete certificates may face the following risks:
| Risk type | Specific performance |
|---|---|
| Property rights risk | Unable to apply for real estate certificate |
| quality risk | Not qualified for acceptance |
| financial risk | Developer misappropriates pre-sale funds |
| planning risks | The actual construction does not match the plan |
Buying a home is a major life event and must be approached with caution. It is recommended that home buyers fully understand the project situation before signing a contract and hire a professional lawyer to assist in review if necessary. Only by checking the five certificates information through formal channels can you effectively avoid the risks of buying a house and protect your own rights and interests.
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