Right now, in the provincial capital real estate market, which is facing huge pressure on repayment and sales, more preferential housing prices such as worker-to-houses and worker-to-parking spaces are beginning to appear in sales offices, which are very attractive to ordinary home buyers.

Similarly, on social media, there are new groups of friends who work in a house for sale, information about work in house literacy, and a small video about work in house.

　　What is a worker's housing?

Can I buy a house on arrival?

What are the risks after purchase?

How to distinguish?

With these questions in mind, Shanxi Evening News reporters visited the property market in the provincial capital and related industry experts to give a detailed interpretation for home buyers——

Market: Most of the work-incoming listings have "malfunctions"

　　Recently, Taiyuan has successively launched a number of real estate projects. The projects are located in the Jiancaoping District and Xinghualing District but far from the main urban area, and some are located in the main urban area.

In terms of price, a discount of several hundred yuan per square meter can be as little as several thousand yuan.

　　Last week, a real estate in Jiancaoping District launched part of the housing, the price was once as low as 3000-5000 yuan / square meter, compared with the recent renewal of the original price of 9000 yuan / square meter, a full reduction of half or more.

Real estate consultants said that there are not many listings, so if you want to buy them as soon as possible.

But it is blunt: The floor and orientation of the workers' arrival room are not particularly good. Most of them are low floors or top floors, so the price will be more favorable.

The low floor is not well-lit, and the top floor has various drawbacks. Even if it is not used as a worker, there will be a large discount in actual sales.

However, work-to-house purchases require a one-time payment.

　　So, what kind of housing is considered a work-in-a-housing?

According to industry insiders, the full name of “Work-in-House” is called “Engineering Mortgage House”, that is, for the next step of development, such as selling the house or withdrawing funds, the developer asks the bank or to the real estate industry, such as the supplier, the construction party, etc., through financing. In this way, the property rights of houses that have not yet been sold are mortgaged to obtain cash flow for use in repaying bank loans or in the next step of company development.

Nowadays, the concept of “Work-to-House” has been extended to exchange houses that cooperated with Party B’s debt settlement such as housing enterprises, construction parties, and building materials suppliers.

　　Usually, the enterprise that has obtained the Gongzhufang will sell it to employees and related personnel at a preferential price, and the developer will cooperate with the Gongzhufang to sign a house purchase contract or process a property right change.

With the housing market rising and prices rising, the number of workers-in-houses is very small, and companies that receive workers-in-houses will quickly digest them internally.

However, since last year, the number of homes paid by workers began to increase. Some construction and building materials supply companies that hold a large number of homes by workers began to entrust sales to sales offices and give corresponding business commissions to sales staff. The goal is also to speed up Receiving payments and clearing up debt owed.

According to industry insiders, the number of homes paid by workers depends entirely on the real estate market.

In the mixed house market, buyers of real estate of this kind need to be carefully screened.

　　An industry insider who is familiar with project general contracting, settlement and other businesses said that under normal circumstances, Taiyuan developers and third-party project payments are settled quarterly or half a year.

The settlement process is: the developer settles with the general contractor (including labor wages, company operation and management costs, etc.), the general contractor settles with the team, and the team settles the salary with the workers.

However, due to the lack of payment in the property market recently, the overall sales rhythm has slowed down, the settlement cycle has been lengthened, and some projects have not been settled for half a year or even a year.

In order to solve the real estate company's own cash flow and settlement problems with partners, Gongdaofang came into being. Until now, Gongdaofang, which has been digested by the real estate circle, has spread to normal sales channels in the real estate market.

Status: Selling is a helpless move for real estate companies

　　According to an industry insider, "In normal times, developers will not allow construction units to use low-cost workers to disrupt the market. In many cases, some real estate companies will The units in arrears are sold, and they need to find customers on their own. They can’t grab customers from sales offices. The products launched by some real estate companies are not necessarily in the nature of work-for-housing, but are generally selling commercial houses. In order to withdraw funds, they must Adjusting the price, but fearing that the old owners will form very excited opposition, only then will they sell in the name of "Work-to-House". This is a disguised price-cutting promotion."

　　According to data from the National Bureau of Statistics, in October, there were 13 cities where the price of new homes rose month-on-month, and 52 cities where the price of new homes fell month-on-month.

Taiyuan new house prices fell 0.2% month-on-month, while second-hand housing prices fell 0.3% month-on-month.

　　Entering the fourth quarter, the demand of real estate companies to accelerate the return of cash continues to increase. Although the overall financing shows signs of improvement, it will not change the industry's difficulty in financing.

This is also an important reason why real estate companies continue to accelerate the pace of sales, driving sales through price cuts.

　　Yan Yuejin, director of the E-House Research Institute, said that for some developers with a tight capital chain, if they do not adopt the method of selling workers to houses, and if the project payment is not paid in time, they will face prosecution by the construction unit to recover the project payment. Failure to file a lawsuit may result in developer bankruptcy or insolvency.

　　Some people in the industry also said bluntly that the essence of working in a house is a price reduction promotion, which is just a marketing gimmick, and the main purpose is to avoid troubles among the owners of the purchased houses.

　　At present, when buying a house to buy a house on the market, it is basically still a transaction with the developer, and the rights and responsibilities in the contract are also borne by the developer, so it is no different from a normal transaction.

But the risk to be borne is whether it is possible that the promotion will be increased in the later period, and the later price will be lower than the housing price.

Reminder: It is necessary to make it clear that the main body controls the risk

　　In fact, most of the real estates have been paid off to the construction unit. At this time, the ownership belongs to the construction unit; the ownership of the commercial house belongs to the developer; only when the house is sold, the ownership will go to the purchaser.

Unlike buying a house at a sales office, listings in the sales department can only be listed after they have been inspected by relevant departments. However, Gongzhufang may not be able to transfer the ownership smoothly because of the quality of the house and the ownership of the house.

　　Attorney Wang Yuchen, director of the Beijing Jin Su Law Firm, said that when buying a house for workers, it is necessary to clarify where the contract is signed.

Is it the developer, the construction company, or the other party.

After purchasing this kind of housing, will the developer cooperate with the relevant subject change procedures, and will it cooperate with the online signing?

　　Some people in the industry said that some home buyers encountered the "work-paid house" purchase that was already in the state of mortgage, and they were faced with the inability to sign contracts, apply for real estate certificates and mortgages.

There may also be risks such as inability to transfer due to lack of inspections by relevant departments, that the project party has signed a house purchase contract with the developer and filed, and signed the wrong contract subject, etc., so that buyers who think that they are copycats suffer losses.

Therefore, home buyers must make a rational decision when facing such "employees" and pay attention to every aspect of the house purchase process.

First of all, when buying a house, you must clarify the subject of the house purchase contract.

Although the project mortgaged house is mortgaged by the developer to the project party, the property rights of the house still belong to the developer.

Buyers need to ensure that the other party to the signed contract is the developer.

Otherwise, once there is a problem, it is likely to encounter the phenomenon of "kick the ball" between the developer and the engineering side.

　　In addition, Wang Yuchen also stated that the situation is more complicated if the purchased house is an off-plan house. In this case, the prepaid house payment may not be included in the project’s pre-sale fund supervision account. This practice involves violations of regulations.

Because the pre-sale payment of the off-plan housing must go to the special supervision account.

If there is a lack of management in the housing industry, and buyers are eager to "picking up the bargain" and ignore the irregularities, it will produce uncontrollable effects that are passed on by layers of risks. Buyers must have a clear understanding of this.

　　Shanxi Evening News reporter Zhang Lei