1. Affordable housing that has been listed for more than five years cannot be loaned: affordable housing that has been listed for less than five years is a small property right, and it can only be traded after five years, that is, buyers only have "house ownership" but no "land use right". In this way, there is no way to guarantee the security of bank credit, so banks will not issue loans to affordable housing for five years.

2, five years after the listing of affordable housing loans. Affordable housing has been fully owned for more than 5 years and can be purchased by loan. The conditions for banks to issue loans mainly depend on the property rights of the houses they sell, so even if there are bad debts, banks will handle them relatively simply. Therefore, as long as the purchase of affordable housing that has obtained full property rights, buyers who meet the purchase conditions can apply for loans.

Loan process of affordable housing in Shanghai

You need to apply to the relevant departments where the Shanghai house is located with the real estate license. After the relevant departments of the Ministry of Land and Resources have completed the calculation of the payable amount, they will collect the corresponding amount and issue payment vouchers.

Shanghai affordable housing mortgage loan should apply to Shanghai real estate transaction registration department for complete property right change registration with the certificate and related transaction materials within 90 days after the payment certificate of land income price is issued. After completing the registration formalities of complete property right change of real estate, you can apply for real estate mortgage loan according to normal real estate mortgage loan procedures.

Affordable housing loans refer to loans issued by borrowers to borrowers for the development and construction of affordable housing projects. Borrowers refer to commercial banks and other banking financial institutions established in People's Republic of China (PRC) according to law.

Matters needing attention in purchasing affordable housing

1, the problem of selling more than one room. If the transfer cannot be made immediately, the seller who sells more than one room for illegal purposes will get enough time and will not be easily verified by the obligee.

2. The problem of long-term inability to transfer ownership. The longer the buyer and seller have the trading conditions, the greater the instability of the transaction and the greater the trading risk of the buyer.

3. Whether the house payment can be executed. It is difficult to implement, especially for the sale of second-hand houses between individuals.

4. Problems in investment interests. If the transfer cannot be made in time, the buyer may have to increase the investment cost due to the adjustment of policies such as taxation of affordable housing.