Self-occupied commercial housing loan
In fact, the definition of self-occupied commercial housing is relatively simple. Self-occupied commercial housing refers to the commercial housing that ordinary real estate development enterprises obtain land use rights through price limit and competitive land price. In accordance with the principle of limiting the sales target and sales price, meet the needs of residents for self-occupation and improved housing.
In Beijing, there are not many people who can apply for Beijing housing, and only Beijing families with one or less houses under their names are eligible; Secondly, singles need to be over 25 years old to buy. Families that meet the following conditions can give priority to the purchase of self-occupied commercial housing.
Can self-occupied commercial housing be mortgaged?
Self-occupied commercial housing can be mortgaged, but because self-occupied commercial housing is purchased at a price lower than that of similar housing in the market, the loan amount will be lower than that of ordinary commercial housing and the loan qualification will be stricter than other types of real estate.
Application conditions for self-occupied commercial housing
1. Beijing registered households who have no house or only one house can apply for self-occupied commercial housing;
2. Non-Beijing families who meet the conditions for buying houses and have no houses under their names (they need to hold valid temporary residence permits and pay social security or individual taxes in this city for more than 5 years (inclusive), and can buy a set of self-occupied commercial houses);
3. Singles must be at least 25 years old to buy self-occupied commercial housing in Beijing;
4. Households with no household registration in this city and those who are already waiting for affordable housing and price-limited housing can give priority to purchase.
However, the application conditions for self-occupied commercial housing are not unique, and each city is different.
Taking Beijing as an example, the priority conditions for buying self-occupied commercial housing in Beijing are:
1. Houseless families with household registration in Beishi (including couples and minor children), of which singles must be at least 25 years old.
2, affordable housing, price-limited commercial housing waiting for families.
Note: Eligible families can only buy one self-occupied commercial house.
After the detailed introduction of this article, I learned some introductions of self-occupied commercial housing loans. The definition of self-occupied commercial housing is relatively simple. Refers to the general real estate development enterprises through price-limited housing to obtain land use rights, I also know that self-occupied commercial housing can be mortgaged? This kind of house can be mortgaged, but because the self-occupied commercial house is purchased at a price lower than that of similar houses in the market, the loan amount is low.