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房产名词解释大全！买房之前这些常识一定要懂 - 北京买房攻略 - 吉屋网
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document.cookie.match(new RegExp("(^| )"+name+"=([^;]*)(;|$)")); if(arr != null) return unescape(arr[2]); return null; } </script> <body> <input type="hidden" id="domain" name="domain" value="bj"/> <input type="hidden" id="cityId" value="10"/> <input type="hidden" id="cityName" value="北京"> <input type="hidden" id="cityname" value="北京"> <input id="triggerPage" value="攻略分类列表页" type="hidden"/> <input id="jwChannel" value="买房攻略" type="hidden"/> <!--面包屑 start--> <div class="crumbs"> <span>您的位置：</span> <span><a href="https://bj.jiwu.com/" target="_blank">北京买房></a></span> <span><a href="https://bj.jiwu.com/gonglve/" target="_blank">北京买房攻略></a></span> <span><a href="https://bj.jiwu.com/gonglve/zhishi/" target="_blank">基础知识</a></span> </div> <!--面包屑 end--> <div class="content-center"> <div class="mainlib clearfix"> <div class="mainlib-content clearfix"> <h1 id="title" class="tit">北京基础知识</h1> <div class="subtit"> 来源：吉屋网 2022-11-15 14:48:23 <span id="pageView"></span> </div> <div id="u152" class="introduction"> <span>导读： 买房之前大家一定要先把一些房产名词搞清楚！下面为大家整理了一些房产名词问答，包含一些政策的基本概念、详细解释、特殊情况以及一些其他疑问，要收藏哦！ </span> </div> <p> <p>买房之前大家一定要先把一些房产名词搞清楚！下面为大家整理了一些房产名词问答，包含一些政策的基本概念、详细解释、特殊情况以及一些其他疑问，要收藏哦！</p><p style="text-align: center;"><img src="https://img-other.jiwu.com/news/2022/11/15/144535165717.jpg/news?type=0"/></p><p><strong>1、什么是“购房主体”？</strong></p><p>答：以家庭为单位，子女年满18岁可算另一个家庭。</p><p><strong>2、什么是“认房又认贷”？</strong></p><p>答：在核验北京买房资格的时候，采取“认北京房、认全国贷”的标准。</p><p>即，在北京有1套房，不管有贷无贷，再买都算2套；在北京无房（其他城市房子不算，只要在北京无房就行），无贷算1套，有贷算二套。</p><p>这个“有贷”，不仅是全国范围内的住房贷款都认，而且即使你的贷款已经还完，只要有贷款记录就算。嗯，很严格。</p><p><strong>3、什么是“限竞房、共产房、新型共产房”？可以买卖吗？</strong></p><p>答：限竞房，通过“限房价，竞地价”的土地出让方式产生的商品房。其重点是，在土地出让时就提前锁定房屋未来的上市销售价格。</p><p>共产房，共产房即共有产权住房,是政府以较低的价格卖给符合条件的保障对象家庭换取一部分房屋产权的房子。</p><p><strong>4、什么是“满五唯一”？</strong></p><p>答：满五唯一，即你所在城市，你家庭名下只有1套房子，且房产证已经满五年。</p><p>其中“满五”是指房产证从出证开始计算，时间满五年或超过五年；“唯一”则是指业主在该省份内，登记在国土局系统里的只有这一套房子。</p><p>“满五唯一”主要用于二手房交易中，个人所得税的缴纳方面。</p><p><strong>5、什么是“LPR”？</strong></p><p>答：由中国人民银行授权全国银行间同业拆借中心计算并公布的基础性的贷款参考利率，各金融机构应主要参考LPR进行贷款定价。</p><p>目前北京购房首套商业贷款利率为：LPR+55个基点；二套商业贷款利率为：LPR+105个基点。</p><p>LPR是变化的，每个月20号都会公布新的LPR。8月22日，8月贷款市场报价利率（LPR）1年期为3.65%，较上月下调5个基点；5年期以上为4.3%，较上月下降15个基点。这是今年以来LPR第三次下调。</p><p>新型共产房，共产房升级版，在准入门槛、出租、出售、再次交易后的房屋属性等方面，都与原有的共有产权房有明显区别。</p><p>限竞房、共产房、新型共产房，均可以买卖，不过是在房子房产证满5年后。</p><p style="text-align: center;"><img src="https://img-other.jiwu.com/news/2022/11/15/144712488813.jpg/news?type=0"/></p><p><strong>6、什么是公摊面积？</strong></p><p>答：由整栋楼的产权人共同所有的整栋楼公用部分的建筑面积。包括：电梯井、管道井、楼梯间、垃圾道、变电室、设备间、公共门厅、过道、地下室、值班警卫室等，以及为整幢服务公共用房和管理用房的建筑面积，以水平投影面积计算。</p><p><strong>7、什么是得房率？</strong></p><p>答：可供住户支配的面积（也就是套内建筑面积）与每户建筑面积（套内建筑面积+公摊面积）之比。</p><p>得房率太低，不实惠；太高，不方便。因为得房率越高，公共部分的面积就越少，住户也会感到压抑。一般，得房率在80%左右比较合适，公共部分既宽敞气派，分摊的面积也不会太多，比较实惠。</p><p><strong>8、什么是容积率？</strong></p><p>答：又称建筑面积毛密度，是指一个小区的地上总建筑面积与用地面积的比率。</p><p>一个良好的居住小区，高层住宅容积率应不超过5，多层住宅应不超过3，绿地率应不低于30%。但由于受土地成本的限制，并不是所有项目都能做得到。</p><p><strong>9、什么是绿化率？</strong></p><p>答：绿化率是一个不准确、不规范的用词，准确的提法应为“绿化覆盖率”。绿化覆盖率是指绿化垂直投影面积之和与小区用地的比率，相对而言比较宽泛，大致长草的地方都可以算作绿化，所以绿化覆盖率一般要比绿地率高一些。</p><p><strong>10、什么是五证？</strong></p><p>答：五证包括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、国有土地使用权证、第五是商品房预售许可证 。</p><p>最主要应该看两证，国有土地使用证和预售许可证，这两种要核发，看准确了，一般原则上就没有问题，特别是预售许可证。</p><p style="text-align: center;"><img src="https://img-other.jiwu.com/news/2022/11/15/144756694752.jpg/news?type=0"/></p><p><strong>11、什么是现房&期房&尾房？</strong></p><p>答：现房就是买了装修一下就能住或是开发商已装修过的；期房就是还没有盖好，要等一段时间(比如一年或两年)才能入住;；尾房就是在座楼快卖完了，最后剩下的几套，一般都是房型和朝向比较差的，但也有开发商捂住的好房子，但往往比开盘时贵。</p><p><strong>12、什么是内部认购？</strong></p><p>答：开发商在没有获得《商品房预售许可证》等有关证件之前，以在小范围内以一种"内部认购"的方式提前销售商品房。</p><p><strong>13、什么是佣金？</strong></p><p>答：房地产经纪人帮助开发商或者二手房卖家售出房子后所取得的酬金。</p><p><strong>14、什么是住房商业贷款&公积金贷款&组合贷款？</strong></p><p>答：个人住房商业性贷款是银行用其信贷资金所发放的自营性贷款。</p><p>公积金贷款是指由各地住房公积金管理中心，委托商业银行向缴存住房公积金职工发放的房屋抵押贷款。</p><p>住房组合贷款，是指符合某银行个人住房商业性贷款条件的借款人，同时缴存住房公积金，在办理个人住房商业性贷款的同时，还可向银行申请个人住房公积金贷款。</p><p><strong>15、什么是预售价？</strong></p><p>答：预售价是商品房预（销）售合同中的专用术语，预售价不是正式价格，通常开发商都会提价。</p> </p> <div class="like-container clearfix" onclick="giveLike()" id="like"> <img src="https://images.jiwu.com/images/mfgl/ic_like_white.png" alt="" id="like_white" style="display: none;"> <img src="https://images.jiwu.com/images/mfgl/ic_like_gray.png" alt="" id="like_gray"> <p 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title="东城新房" data-val="东城">东城新房</a> <a href="https://bj.jiwu.com/loupan/list-qa14167.html" title="平谷新房" data-val="平谷">平谷新房</a> <a href="https://bj.jiwu.com/loupan/list-qa14180.html" title="怀柔新房" data-val="怀柔">怀柔新房</a> <a href="https://bj.jiwu.com/loupan/list-qa14176.html" title="密云新房" data-val="密云">密云新房</a> <a href="https://bj.jiwu.com/loupan/list-qa14175.html" title="延庆新房" data-val="延庆">延庆新房</a> <a href="https://bj.jiwu.com/loupan/list-qa18008.html" title="怀来新房" data-val="怀来">怀来新房</a> <a href="https://bj.jiwu.com/loupan/list-qa102243.html" title="崇礼新房" data-val="崇礼">崇礼新房</a> <a href="https://bj.jiwu.com/loupan/list-qa102244.html" title="海滨新房" data-val="海滨">海滨新房</a> </div> </ul> </div> <div class="szdh-item"> <div class="szdh-lab">北京房价</div> <ul class="szdh-list clearfix"> <div class="cont"> <a href="https://bj.jiwu.com/fangjia/list-qa14172.html" title="门头沟房价" data-val="门头沟">门头沟房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14178.html" title="石景山房价" data-val="石景山">石景山房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14165.html" title="大兴房价" data-val="大兴">大兴房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14170.html" title="丰台房价" data-val="丰台">丰台房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14179.html" title="通州房价" data-val="通州">通州房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14174.html" title="朝阳房价" data-val="朝阳">朝阳房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa115106.html" title="亦庄经开区房价" data-val="亦庄经开区">亦庄经开区房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14162.html" title="房山房价" data-val="房山">房山房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14164.html" title="昌平房价" data-val="昌平">昌平房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14168.html" title="海淀房价" data-val="海淀">海淀房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14163.html" title="顺义房价" data-val="顺义">顺义房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14181.html" title="西城房价" data-val="西城">西城房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14182.html" title="东城房价" data-val="东城">东城房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14167.html" title="平谷房价" data-val="平谷">平谷房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14180.html" title="怀柔房价" data-val="怀柔">怀柔房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14176.html" title="密云房价" data-val="密云">密云房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa14175.html" title="延庆房价" data-val="延庆">延庆房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa18008.html" title="怀来房价" data-val="怀来">怀来房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa102243.html" title="崇礼房价" data-val="崇礼">崇礼房价</a> <a href="https://bj.jiwu.com/fangjia/list-qa102244.html" title="海滨房价" data-val="海滨">海滨房价</a> </div> </ul> </div> </div> <!--展开内容 end--> </div> <!--城市导航 end--> <!--周边买房 start--> <!-- 展开添加样式on --> <div class="linkrow"> <div class="ftlinkswrap"> <span class="linkstit-v5">周边买房</span> <div class="linkscont-v5"> <ul class="alinklist clearfix"> <!--周边买房开始--> <li> <a href="https://bj.jiwu.com/" title="北京买房" 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