Frequently Asked Questions

24 2026-10

Is it still useful to conduct a medical accident appraisal now?

It is still useful to conduct medical accident appraisals and medical damage appraisals concurrently. The former is organized by the Medical Association in accordance with regulations, while the latter is used in civil compensation litigation. The two appraisals serve different purposes and can be used as needed.

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24 2026-10

How can the developer hand over the house to me if they don't have a large property certificate?

The developer failed to deliver the house with a valid property ownership certificate, which constitutes a flaw in the property rights registration. Although the owners can move in, they currently have difficulties obtaining individual ownership certificates. They can claim breach of contract liability for the delay in obtaining the certificate in accordance with the Civil Code.

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24 2026-10

Can I apply for a combination loan if my provident fund is not enough?

If the housing provident fund loan amount is insufficient, you can apply for a combination loan of housing provident fund and commercial loan to make up for the shortage. However, you must meet the approval requirements for both sides and the interest rate will be implemented in stages. It is recommended to first obtain dual approval and then sign the contract.

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24 2026-10

What should I do if my social insurance is interrupted and I lose my eligibility to purchase a house?

Whether the interruption of social insurance payments affects the eligibility to purchase a house depends on the local policy on the continuous payment period. The interruption of payments may result in the recalculation of the payment period. It is recommended to first verify the eligibility status. If there are obstacles in the contract signing process, the buyer can claim to terminate the contr...

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24 2026-10

Is there any legal risk in getting a divorce for the purpose of buying a house?

Once the "fake divorce" for purchasing a house is registered, it will immediately produce real legal consequences. The property division agreement is binding, and remarriage will not automatically restore joint ownership. Avoiding the purchase restrictions may also result in the disqualification of eligibility, so it is recommended to exercise caution.

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24 2026-10

How should we calculate the shortened land use period of the new house?

The land use term starts from the date when the developer obtains the land, and the maximum term for residential properties is 70 years. The shorter term for new houses is mostly due to the early transfer of the land rights. The remaining term equals the maximum term minus the used term, and this should be specified in the contract.

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24 2026-10

Can commercial insurance replace social insurance?

Business insurance cannot replace social insurance. It is a legal obligation for employers to pay social insurance for their employees. Commercial insurance is merely a supplement and cannot exempt employers from their legal responsibilities to provide workers' compensation and medical care benefits.

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