Demolition time on house is 45 days which is 15 days longer than your standard subscription plan. You can literally log in on last day of your sub, visit your house and unsub for 6 weeks and only after that you need to sub again to keep it. Yes you're still paying for sub though at vastly reduced rate (at the very least half of the cost of subsequent subscription). Although at this point I feel it's more of a fallacy. If you don't enjoy the game this much i don't think you should care if you lose a house.