The resettlement house must be owned by the original owner for five years, and then the corresponding taxes and fees such as land transfer fees can be paid before the formal commercial housing property certificate can be processed. At this time, listed transactions and transfers are allowed! You can borrow money to buy a resettlement house.

Second, can the resettlement house be loaned? The most comprehensive loan conditions and procedures for resettlement houses.

With the development of urban construction, there will be problems brought by urban planning and development. For this group of people, they will generally get resettlement houses. Can they get a loan for this kind of resettlement house? This is a question that many people want to know. Bugs bunny and Bian Xiao compiled some related contents. If you don't know, you can understand:

Can the resettlement house be loaned?

Resettlement housing is a house built by the government to resettle residents when carrying out urban road construction and other public facilities construction projects. That is, houses for the mortgagee or lessee to live in for reasons such as urban planning and land development. According to the laws of our country, the transfer of resettlement houses can only be carried out after obtaining the real estate license of resettlement houses. At this time, the transfer transaction is no different from the general house. The resettlement targets are urban residents' families, including landless farmers. With the further acceleration of urban construction and development, it is urgent for the government to build as many resettlement houses as possible to continuously meet the needs of residents.

At present, there are two types of resettlement houses:

One is the supporting commercial housing built by residents due to major municipal projects or the low-priced commercial housing purchased. For example, the World Expo on both sides of Huangpu River. According to the relevant regulations, if the demolished person obtains the supporting commercial house, the property right of the house belongs to the individual, but it shall not be listed and traded within 5 years after obtaining the ownership.

The other is the low-priced commercial housing (relative to the market price) which is relocated due to real estate development and other factors and is resettled by the company or purchased on behalf of the resettlement person. This kind of commercial housing is no different from ordinary commercial housing. Private property belonging to the resettled person can be freely listed and traded without any restriction on the transfer period.

Can the resettlement house be loaned? This is a question of many people. The land nature of resettlement houses belongs to allocation. If you don't have a house title certificate, you can get a loan. If the resettlement house is an insurance policy, it is estimated that the bank will not accept it as collateral, so it cannot make a mortgage loan. Some resettlement houses have the same property rights as ordinary commercial houses, and such houses can be mortgaged. Resettlement houses are big property rights, and they can borrow from banks. There is no problem with provident fund loans.

Resettlement housing loan conditions:

1. The resettlement house has obtained the real estate license;

2. For the resettlement houses that have obtained the real estate license, the local government has no special local policy to allow loans.

Commercial loan conditions for resettlement houses:

1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. Have a stable occupation and income, good credit and repayment ability;

3. Other conditions stipulated by the bank.

Of course, some provinces and cities have different requirements for resettlement housing loans.

Housing provident fund loan conditions:

The loan object is the employee who has paid the housing provident fund in accordance with the regulations and has full capacity for civil conduct, and must meet the following conditions at the same time:

1, with permanent residence or valid residence status within the administrative area;

2, when applying for a loan, the normal continuous deposit of housing provident fund for more than one year (inclusive), the new account holder normal continuous deposit of housing provident fund for more than six months (inclusive);

3. The actual behavior of resettlement houses;

4. Agree to use the total property value of the resettlement house purchased by the loan as collateral;

5. Have a stable income, good personal credit and sufficient ability to repay the principal and interest of the loan;

6. The borrower and his wife have no outstanding housing provident fund loans.

Resettlement housing loan process:

1. Apply for a loan and prepare relevant materials;

2. The lending institution shall review and approve the materials;

3. After approval, both parties sign a loan agreement;

4. The borrower handles mortgage registration;

5. Lending institutions issue loans.

Resettlement houses are no different from ordinary houses after getting the real estate license. As long as they meet the conditions, they can borrow money. However, each local government and bank have different requirements for resettlement housing loans. It is best to consult the local bank.

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3. Due to real estate development and other factors, the purchase of low-priced commercial housing for resettlement is no different from ordinary commercial housing, and it is limited by the transfer period.