How many years can affordable housing in Xiamen be mortgaged? All affordable housing buyers should be the first home, and there is no problem affected by the second home loan restrictions. Lenders only need to bear 20% down payment. How many years can affordable housing in Xiamen be mortgaged?

How many years can affordable housing in Xiamen be mortgaged? 1 Xiamen Construction Management Bureau and China Construction Bank Xiamen Branch signed the Cooperation Agreement on Social Security Housing Mortgage Loan, and the first batch of affordable housing buyers in Xiamen can sign purchase contracts. Citizens who have signed a contract for the purchase of affordable housing can go to CCB for housing mortgage loans, which can reach 80% of the purchase price from the bank.

A person from Xiamen Construction Management Bureau said that since affordable housing and affordable housing are provided by housing with security nature, the property rights of buyers are limited. Like the first batch of affordable housing, buyers only own 10% of the property rights.

Affordable housing shall not be transferred within 5 years. After five years, the listed company will transfer a part according to the agreed proportion, and the rest will be owned by individuals. At the same time, Xiamen implements a strict exit mechanism for affordable commercial housing. Those who have purchased affordable commercial housing and obtained other housing should withdraw from affordable commercial housing.

Chen Wanming, president of Xiamen Branch of China Construction Bank, said that it is the particularity of property rights of buyers that has brought them many inconveniences and obstacles in handling housing mortgage loans.

However, after several months of research, Xiamen Construction Management Bureau and Xiamen Construction Bank finally introduced the method of affordable housing mortgage. "This scheme is very complicated, but I can say that buyers of affordable housing can easily apply for mortgages in CCB like ordinary commercial housing buyers. As far as I know, Xiamen Construction Bank should be at home now. " Chen Wanming said.

Chen Wanming said that the first batch of affordable housing covers an area of 60 square meters, and their housing mortgage loans can also enjoy preferential interest rates, that is, the benchmark interest rate for commercial housing loans is lowered 15%. Chen Wanming said that all affordable housing and affordable housing below 90 square meters can enjoy this discount.

"At the same time, according to the regulations, all buyers of affordable housing should be the first home, and there is no problem affected by the restrictions on second-home mortgages. Lenders only need to bear 20% down payment, and the remaining 80% of the house payment can be solved by bank loans. The longest loan period is 20 years. " Chen Wanming smiled and said to the media present.

Of course, since the Municipal Construction Management Bureau only signed a contract with Xiamen Construction Bank, buyers of affordable housing can only apply for mortgage loans at China Construction Bank. In an interview with reporters, the relevant leaders of Xiamen Construction Management Bureau said that since the first batch of affordable housing is only 1056 sets, and the coverage is not too wide, CCB is currently the only partner in the mortgage of affordable housing. Recently, the relevant departments have not considered adding other banks as partners.

How many years can affordable housing in Xiamen be mortgaged? 2 affordable housing can be inherited according to law, but its nature remains unchanged after inheritance. Heir does not belong to the applicant for affordable housing, and * * * is the same as the applicant, and is not restricted by "the applicant's family has obtained social security housing and then owns other housing". He should take the initiative to declare to the municipal housing security administrative department and withdraw from social security housing.

In addition, if the owner of affordable housing divorces, he can dispose of affordable housing according to law according to the judgment issued by the people's court, mediation book or divorce agreement confirmed by the marriage registration authority, but the nature of affordable housing remains unchanged after disposal.

/kloc-children aged 0/8 can apply for a refund.

Similarly, when applying for affordable housing, the applicant's spouse and minor children must apply at the same time, but the new regulations also clarify whether minor children can withdraw from the application at the same time when they are adults.

According to the "Notes", applicants for underage affordable housing can apply to the municipal housing security administrative department for withdrawal after reaching the age of 18. This * * * is no longer bound by the relevant regulations on the management of affordable housing and the original sales contract after the applicant withdraws.

It is understood that according to the previous operation, underage children who apply for the same job can only apply for withdrawal if they are married. The new regulations greatly reduce the restrictions on the underage children of affordable housing applicants to own other houses when they grow up.

There is a one-year transition period after buying a commercial house.

The Note further clarifies that family members of affordable housing can own other housing through purchase, inheritance and gift. But if you own other houses in this city, you should take the initiative to declare to the municipal housing security management center and sign an agreement to withdraw from affordable housing; City Housing Security Management Center issued "Opinions on Registration of Other Housing Real Estate of Affordable Housing Families" with the "Agreement". When the owner of affordable housing applies for other real estate registration, the land department can only accept it with the "Opinions".

It is understood that for the convenience of ordinary people, the owner of affordable housing has a one-year transition period from the date of real estate registration. In addition, family members of affordable housing only inherit and receive part of the property rights of other housing, and are not restricted by this provision.

How many years can affordable housing in Xiamen be mortgaged? Can affordable housing be mortgaged?

Affordable housing can't be mortgaged, and the ownership of affordable housing is generally owned by the state, and it can't be mortgaged before the ownership of affordable housing is obtained.

The difference between affordable housing and commercial housing

1, supply object.

The main supply target of affordable housing is urban low-income families or families with housing difficulties, while the purchase target of commercial housing is all natural persons.

2. Construction method.

Affordable housing is directly organized by the government, while commercial housing is built in full accordance with the market operation mode. The area of affordable housing is generally small, but the types of commercial housing are diverse, ranging from tens to hundreds.

3. Land requisition method.

The land nature of affordable housing can only be built by government allocation, while the land of commercial housing is obtained by bidding, auction and hanging.

4. Preferential policies.

In the process of building and selling affordable housing, the government can appropriately reduce some expenses, while commercial housing needs to pay all expenses in full during the sales process.

5. Pricing method.

The price of affordable housing is mainly set by the government and then sold, while the price of commercial housing is mainly determined by specific market conditions. The general price of commercial housing is higher than that of affordable housing.

6. Buying and selling requirements.

After handling the Property Ownership Certificate, the commercial house can be mortgaged or transferred. Although affordable housing can be mortgaged with real estate license, it can only be transferred after paying relevant fees and reaching a certain number of years.

7, the nature of property rights.

Buyers of commercial housing have complete property rights and can dispose of them freely, but low-rent housing in affordable housing can only live, have the right to use and cannot be disposed of. Affordable housing is an incomplete property right and cannot be bought or sold within 5 years.