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In more than three months, the country's urban houses will have to be fully cleaned up. The ministry of housing and construction, in conjunction with the national archives agency, has introduced new regulations, which regulate the official landing of 1 september 2026. The fact that a large number of households have seen information about the building's inspection files and are in a state of panic, whether it has anything to do with their families or not, is not a problem。
This has involved every homeowner, and all aspects of the property are closely tied together, and the size of the housing registry, title ownership, mortgage status and historical legacy are examined on a case-by-case basis. In short, after september, all urban houses in the country will have access to a unified national housing records system, with incomplete information, defective property rights and missing information, and in the future they will be blocked directly when buying, transferring, inheriting, mortgages and even serious problems of non-trading and property rights lapse。
Under the new regulations, six types of properties are the top priority of verification, with a slight oversight, and will be restricted in the coming years. Today, we have made clear the new rules, the priorities for the inspection of the building, the self-check list for the six high-risk categories, the remediation programme, and, after reading this, we will check and complete the information in advance. When the new regulations are laid down in september, your property will be safe and you will be able to save yourself from the pits。
I. A new in-depth reading: what was the construction of a single house in september
In fact, the new rules introduced by the joint archives department of the ministry of housing, a comprehensive digitalization of the property stock throughout the country, a file supplement, and a risk screening exercise, directly related to the “legal identity” of each house, are half-aware of the “unit housing unit”。
1. Core context of the new regulations
Over the past few decades, the management of the country's housing records has been extremely fragmented: early home-renovation files have been located in units, commodity room files have been developed, second-hand house files have been scattered in local real estate registration centres, and even many old houses have only paper files without electronic archives, and the problems of missing information, overlapping property rights and loss of information are common。
With the introduction of a national unified register of real estate, the introduction of a pilot property tax and the regularization of the second-hand housing market, the state is required to establish a national network, unified information and clear-cut national housing records system. The new regulations, which were introduced on 1 september 2026, are intended to complete the “identity check” of houses throughout the country and to complete the integration of information on all the housing stock into the unified system, laying the basis for subsequent property management, transactions, taxation and determination。
2. Nationally unified files, specifically verifying the eight core messages
This check-up is not a simple registration number, but a comprehensive combo of information on the entire life cycle of a house, each of which directly affects the validity of property rights:
1. Proprietary information verification: real estate registration, joint ownership, implicit joint ownership (e. G., joint property of spouses, inheritance of unoccupied property), all of which are checked individually
2. Qualification of the size of the house: registration of the property certificate, the area of the actual dwelling, the area of the share, the area of the gift, and the planning of the drawings, so as to prevent the falsification of the area
3. Qualification of the nature of land: land for residential use, commercial use, land for allocation, collective use, clarity as to the length of land use, nature of concessions, and defects in the nature of land in many old houses, which can be exposed at this stage
4. Mortgage certification: bank mortgages, private loan mortgages, property seized by the courts and frozen, all entered into the system and permanently available
5. Historical transactions: first-hand, second-hand, second-hand, gift, inheritance, analysis of all historical records, complete files
6. Non-conforming and retrofitting verification: an extension of the balcony, construction of the roof, renovation of the basement, internal structural changes, which are marked as non-conforming with the original planning drawings
7. Validation of supporting information: binding of school areas, ownership of parking spaces, ownership of storage rooms, common parts of public areas, all of which are attached to information on the home
8. Archival integrity verification: a contract for the purchase of a dwelling, tax invoices, maintenance fund bills, certificates of acceptance for the completion of the works, and a deadline for the completion of all originals missing。
3. Direct impact on homeowners as a result of pre-qualification
A lot of people care. What good does it do us? What are the constraints
On the bright side
The national housing information network, which completely eliminates “solder one house” “false property certificates” and significantly increases property security
2. Future sale, transfer and inheritance of property, which can be processed online, without having to run multiple departments to obtain paper files
3. The historical legacy of the old house could be filled with one-time information in the current building to avoid subsequent ripples。
Risk aspects (priority)
1. Property with missing and defective property rights whose transactions, transfers and mortgages have been suspended after september and which must be completed in order to be unfrozen
2. Houses that have been verified to be unconstructed and defunct, with direct marking anomalies that permanently affect property valuation
3. Inhibited joint ownership rights are not registered and the legal basis is lost in the event of future inheritance and divorce
4. Property of a non-compliant nature may not enjoy the same trading rights for commercial housing and may be directly depreciated。
In short, this national file is a “full medical examination” of all properties by the state, which is qualified and will allow for a smooth flow of future transactions; it is not qualified and is directly restricted to circulation and even property disputes。
Focused inspection of houses in categories ii and vi, which must be self-checked by september, with remediation programmes in each category
According to the ministry's internal verification list, the following six categories of property are the focus of the national profile and are the most vulnerable to file problems: each category is accompanied by a self-check list, risk points, complete remediation programme, which can be checked directly by the owner。
Category i: rehousing, unit housing (most likely missing files)
Risk point
In the 1990s, housing reform and unit-funded housing were sub-residences of welfare. In many cases, only the unit's internal records were completed, no complete title was completed in the real estate register, contracts for the purchase of housing, payment certificates and unit approvals were lost in large quantities, the land was mostly of a transfer nature, no land concessions were paid, and 90 per cent of such properties were marked as incomplete in the current building。
Self-check list
1. The possession of a full real estate title card (real estate certificate + land certificate)
2. Whether to retain the current year's receipt of payment for the purchase of the house and the documents for the approval of the house
3. Whether or not land concessions have been made and whether the nature of the land has changed to concession land
4. Whether all owners of houses are registered (e. G. Spouses, children co-financing)。
Complete remediation programme
1. Completing the files: carrying identity cards, property certificates, returning to the building management section of the original work unit, transferring the premises to the original file, copying the unit stamp and depositing them in the real estate register
2. Subsidized land concessions: for the purpose of completing the full estate, the transfer of land must be made to the corresponding land concessions
3. Completing the registration of joint property rights: joint property rights of spouses, joint family property rights, possession of a household register, marriage certificate, registration of joint property rights in real estate centres and avoidance of subsequent property disputes。
Real cases
The unit of a beijing owner collected the house for 20 years without paying the land concessions, was warned on the eve of the construction of the deposit in september, the owner paid the fees in a timely manner and completed the filings, while the owner of the next building was delayed and the property was directly restricted for sale after september and was not released until six months later。
Category ii: small-owned housing, self-building on collective land (total restriction of movement after construction)
Risk point
In this single national estate, it will be allocated directly to the collective property register, permanently denied access to the market for the sale of goods, unable to buy, sell, mortgage, and able to move within the village。
Self-check list
1. The possession of a real estate certificate issued by the real property register
2. Whether there is a developer's pre-sale licence, completion and acceptance form
3. Whether tax due, housing maintenance funds have been paid and are in possession of formal invoices。
Remediation programmes (loss minimization only)
1. Improvement of collective property rights procedures: the carrying of building approval documents, land-use certificates, street visits, village committees to improve the filing of collective property rights, at least ensuring the legal movement of houses within the collective
2. Long-term residence agreements in advance: in the case of small property units that have already been purchased, a supplementary agreement with the original owner to agree on the ownership of the property and to avoid reversion of the original owner after the construction of the building
3. Abandon the illusion of trading in commercial housing: after this build, such properties are completely delinked from the market for commercial housing, without the illusion of a future change in order to plan their assets ahead of schedule。
Category iii: the existence of non-constructed commodity houses (upholstery expansion, roof construction, structural changes)
Risk point
When many owners buy their own houses, they expand the balcony, build the roofs, alter the walls of the house and break through the two adjacent houses. These modifications and the original plan drawings are grossly incompatible. In this case, they are directly marked as an exception to the construction of unusual properties, and in future transactions, the building must be dismantled and the original structure restored before the crossing can be completed or circulation permanently restricted。
Self-check list
1. Whether or not the balcony and the window are expanded beyond the original planning
2. Whether the penthouse, first-floor yard, is privately built, or not
3. Changes in the interior load wall, smoke pipe and drainage structure
4. Whether or not the two adjacent houses are self-inflicted and merged into one set。
Remedial programmes
1. Early demolition of unconstructed structures and restoration of the status quo ante: by september, all privately constructed components were voluntarily dismantled, restored to their original state at the time of completion of the acceptance and avoidance of being permanently marked by the system
2. Request for planning change filing: if it is reasonable, carry the alteration drawings, apply to the planning department of the housing authority for change filing and enter the file in compliance
3. Retention of evidence of the property's consent to the retrofit: if the retrofit is permitted by the property, the written approval document shall be retained as the basis for the examination of the file。
Category iv: inheritance, gift to unoccupied property (high incidence of hidden communal property disputes)
Risk point
After the death of a large number of elderly family members, the children of the estate have actually lived but have never inherited a household, the property certificate is also the name of the elderly, as well as gifts between spouses, intra-family analyses, and the failure to complete a change of title in the real estate centre, which in the present case will be directly marked as belonging to an unknown property, and in the event of a dispute between multiple heirs, the property will be brought to a permanent court。
Self-check list
1. Whether the registrant of the property certificate is the same as the actual resident
2. Whether the inheritance property has been notarized or transferred
3. Whether there is a written agreement to complete the change of property rights in respect of family gifts and analyses
4. The existence of hidden heirs who are not registered。
Remedial programmes
1. Expeditiously: carry a death certificate, a certificate of kinship, a notary of succession, go to the real estate centre for an inheritance transfer and register the title to the actual heir
2. Compensatory and analytical agreements notarized: the division of property within the family, the issuance of a notarial certificate to the notary office, the completion of property changes and the integration of property in the unified archives
3. Clarify the share of joint property: multiple heirs share the property, agree on the percentage of property in advance, register it on the property certificate, and avoid scavenging。
Category v: uncollected mortgages, multiple mortgages (collateral information must be fully recorded)
Risk point
In addition to bank mortgages, many properties have been mortgaged, second mortgages, much of which are not fully registered in the real estate system and, in this case, will be subject to mandatory re-entry of all collateral information, as soon as hidden mortgages are found, direct restrictions on property transactions are imposed, and even closure is requested by creditors。
Self-check list
1. Whether the mortgage information on bank mortgages is fully registered on the real estate certificate
2. The existence of private loans, mortgages between individuals and the failure to register them
3. Whether there have been multiple secondary mortgages, cross-bridge loans, leaving hidden debts。
Remedial programmes
1. Settlement of hidden mortgages: settlement of all private loan mortgages by september, understanding of the pledge procedures and avoidance of compulsory publicity after filing
2. Reproduction of all mortgages: bank mortgages, ensuring consistency in information and banking systems, and full access to the national filing system
3. Arranging the debt relationship: multiple mortgages, pre-ordering the debt, and avoiding disputes over property interests by creditors after a build-up。
Category vi: old commodity houses (established before 2000, extensive loss of archives)
Risk point
In old and old districts built before 2000, many developers have been closed down and cancelled, contracts for the purchase of houses, certificates of completion, tax invoices, maintenance fund bills have been lost in large quantities, many houses have only property certificates, there are no supporting original files, and in this national archive, they will be directly marked as missing and must be completed with complete information。
Self-check list
1. Whether the original purchase contract, the developer's delivery documents are retained
2. Completeness of tax invoices, maintenance fund instruments
3. The completion of the building and acceptance forms and their availability in the housing sector
4. The original planning drawings for the sub-districts are consistent with the existing houses。
Remedial programmes
1. The building department collects the original files: carry the property certificate, identity card, visit the local building office archive, call for the completion of receipt and inspection forms, plan drawings, photocopy and stamp
2. Compensating tax invoices by the tax service: at the local tax office, on the basis of the property certificate, identification card, drawing up the tax payment record and completing the tax certificate
3. Property assistance in the completion of information: contact small-area property companies, access to housing files, maintenance of the fund's deposit records and completion of file supplements。
Iii. National housing unit, full self-check operational guidelines, implemented directly by owners
Following the completion of the six types of property inspections, we have prepared a common self-checking process for all owners, whether they be commodity houses, old houses or second-hand rooms, which will be followed by self-checking by september。
First step: access to original real estate archives (first step at the core)
Carrying one's identity card, real estate title card, checking a window in the local real estate register, applying for access to the entire electronic + paper original file of the house, and after receiving the file, checking each of the following information:
1. Whether the owner's name and identity card number are identical or not
2. The size of the building, the size of the suite, the area of the share, and whether it corresponds to the property certificate
3. The nature of the land, its length of use and whether it is correctly registered
4. The integrity of the mortgages, seals, historical transactions。
Step 2: complete all missing original instruments
The following five core types of instruments are found and scanned for archiving, the paper version is kept in safekeeping and the file verification is not possible:
1. Original purchase of house contract (first-hand/second-hand purchase contract)
2. Tax clearance invoices
3. Payment of bills from the housing maintenance fund
4. Completion of receipt and inspection filing forms
5. Agreement on joint title, notarial succession, gift agreement。
Step 3: reconciliation of housing status and plans paper
Once the original planning drawings are available, they are checked at the house site on a case-by-case basis, focusing on:
1. Whether the balcony, the outer wall, and the courtyard are privately expanded
2. Any irregularities in the construction of the penthouse and basement
3. Changes in the interior structure to the load wall
4. Whether parking spaces, storage rooms are tied to the master property rights。
Step 4: improvement of the joint property registry
In the case of joint property of spouses, family property, the marriage certificate, the family register, the registration of joint property at the real estate centre, the establishment of a percentage of the property, and the avoidance of disputes over hidden property rights。
Step 5: early disposal of collateral, sealing, breach of construction
If there is a covert mortgage, the release is settled as soon as possible; if there is a breach of construction, it is removed and restored in advance; if the case is closed by the court, the debt problem is resolved as soon as possible, the seizure is lifted and the property is in a normal and verifiable state of affairs at the time of construction in september。
The five major changes in real estate transactions, transfers, inheritances after september
What are the new rules for buying, selling, inheriting, transferring houses when many owners are concerned that the building is finished? The five core changes after the new rules have been described and adapted in advance to avoid pitfalls。
Change one: national housing information is fully networked and is directly accessible in multiple apartments
Once the building is completed, all urban properties in the country will be integrated into the unified system, regardless of the city in which they are located, as will be seen from the real estate centre。
Change ii: property with incomplete files, immediate suspension of online transactions
In order to resume the transaction, it is necessary to check the files in advance and avoid the problem room。
Change three: inheritance of property, stricter verification of files
In the past, the property inherited requires simple proof by a relative that the system automatically retrieves all property records, trade records, gifts, all hidden joint property rights will be identified, family property will be inherited and notarized in advance to avoid subsequent disputes。
Change iv: deviated properties, permanently affecting property valuation
As long as the property is systematically marked as unconstructed and the valuation is directly reduced by 20 to 50 per cent at the time of the assessment of bank mortgages and second-hand houses, the bank will significantly reduce the loan line and even refuse to lend, in violation of the cost of the renovation。
Change 5: old house legacy, one-time closed loop resolution
In this case, the state will provide a single channel for re-entry, which will be permanently closed after september, and will no longer have the opportunity to complete the records of property rights, which will be accompanied by a lifetime of property。
Five or 90% of the owners will step on the five fatal sites
Many owners do not pay much attention to building the building and are trapped in the following five fault areas, which they regret until the new rules are in place in september and must be avoided in advance。
Mistake one: i don't need to check the original files
The real estate certificate is only proof of title, the original file is the “birth certificate” of the house, and many of the property certificates are false and false in information. Only the original file can be checked, there are no original files and the property certificate may expire in the future。
Mistake two: it's okay to break it. It won't be traced
This setup will be matched by a comparison of satellite aerial and original planning drawings, even if extended by more than a dozen centimetres, and will be identified by the system with precision, and will be limited by the future trading office in the event of a breach of marking。
There's no need to cross the estate
As a result of the construction of the file, the owner and the actual resident were not consistent, the property rights were not directly marked, the elderly would be dead for years, the children would be able to go back to their homes, the files were missing and could not be processed, and even the property was contested by other hidden heirs。
Zone four: the small property will be back in the future
The purpose of the current unified national register is to distinguish between commercial houses and collective property units, which are to be completely integrated into the collective archives and never converted into such houses, without any unrealistic illusions。
There's no hurry. We can do it again in september
With the inauguration of the new site in september, a large number of owners throughout the country have concentrated their records, there will be congestion in real estate centres and construction units and stricter auditing standards will become more demanding。
Six, three real cases
Case 1: no deposit of land for rehousing and no sale of property after september
One of guangzhou's owners, who had been in possession of a flat for many years, had not paid up for the concession, had received an early warning in september that the owner had failed to notice that the system had restricted transactions and had to pay 120,000 land concessions in order to lift the restriction, and had been able to quickly settle a house with a three-month delay。
Case 2: second-hand room valuation direct waist, contrary to the plaque marked kill
An owner in shanghai, who had bought a house and expanded the balcony, had been systematically identified as a breach, with a 5 million-dollar house, a 2. 5 million-dollar bank mortgage, a 2 million-million-dollar direct cut-off by a second-hand buyer after he had seen the file mark, and the owner had to regret it and dismantle the breach and restore it before returning to normal valuation。
Case 3: inheritance property is not occupied and family property disputes arise after the construction of the file
After the death of an old man, the eldest son had been living in the property and had not inherited it. At the time of the construction of the file, three other hidden heirs had been identified. Four children had been brought to court because of the division of the property, and the family had been reconciled because the file had not been completed in advance and had been brought to trial for a long time。
These three cases have amply demonstrated that early self-examination and completion of the files is the only way to guarantee the right to property, and that it will only cost more time and money when the new rules are put in place。
Vii. Conclusion: a single building in september, saving your property from the early days
The new regulations on the single national housing unit, introduced by the ministry of housing in conjunction with the national archives, are essentially a normative management by the state of the country's national holdings, guaranteeing the security of property rights of legal owners and exposing the historical legacy of all properties。
For ordinary owners, rather than waiting for the new landing in september, being systematically marked with unusual and restricted transactions, it is time to check the properties against the six categories of priority, complete full self-checking, complete the missing files, bills, deal with disputes over construction, mortgages, property rights, and complete the inspection of the housing records in advance。
Renovation of land, completion of original files in old and old neighbourhoods, early demolition of buildings and timely transfer of property are seemingly cumbersome operations that protect your property assets. After september, the country's property records were consolidated and there were no hidden defects in property rights, which were processed one day earlier and settled one day earlier, so that the future would be avoided because of the problems of the archives, leaving the property it had acquired throughout its long life in a difficult trade and property dispute。
The house is the most important asset of the chinese people in their entire lives. It is the key node of national consolidation that is prepared in advance for every step to secure the legitimate property rights of the house, so that the property can be traded, inherited and transferred without hindrance in the future and truly add value to its value。
