To purchase * * * property housing, buyers can apply for housing provident fund, commercial banks and other housing loans in accordance with the relevant loan provisions of policy housing. In other words, the purchase of * * * property housing can be loaned, and the loan enjoys the same policy as the original owner-occupied housing, that is, the minimum down payment ratio for commercial loans is 30%, and the minimum down payment ratio for provident fund loans is 20% (below 90 square meters).

What should I pay attention to when buying a property right house?

1, pay attention to the purchase conditions.

Not everyone is eligible to apply for the purchase of * * * property houses. This kind of house is close to the government and the house price is slightly lower than the market price, so this kind of house is destined to meet certain conditions before applying. Each city has different regulations on the conditions for applying for property rights housing. For example, some cities stipulate that the applicant's family members actually live in this city, have permanent residence in this city for three consecutive years, and have permanent residence in the town where the application is filed for two consecutive years.

2.* * * Property houses are traded again.

If the property buyer buys a second-hand * * property house, although it is not necessary to meet the conditions for applying for the purchase of * * * property house, the property buyer should pay attention to some restrictions on the secondary transaction of * * * property house. If the purchase is less than 5 years, it is not allowed to transfer the share of the house in accordance with state regulations. Therefore, property buyers should know the transaction time before buying the property. If the purchase time exceeds 5 years, they can submit a listing application to the original District Housing Construction Committee (Housing Authority), and the holding institution will give priority to the purchase.

3. Loan conditions

Most people who buy a house now use loans to buy a house, so when buying a house with property rights, I believe many property buyers will worry about not being able to apply for a bank loan. According to the regulations, those who purchase houses with property rights can apply for housing loans such as housing provident fund and commercial banks in accordance with the relevant loan provisions of policy housing. In other words, the pressure of buying a house does not exist, and buyers can also reduce the pressure of buying a house through loans.