When it comes to affordable housing, many people may not understand it. In fact, it is a commercial house with social security nature. The state allocates land in a unified way, provides preferential policies on the sales price, limits the housing area and supplies it to low-income families. Then, can affordable housing be loaned? Next, let's take a look.

1. Can I get a loan for affordable housing?

Of course.

1. Individuals who purchase affordable housing can apply for loans from commercial banks and housing provident fund management centers at the same time. Of course, employees applying for provident fund loans must meet the corresponding conditions.

2. When applying for affordable housing loans, in addition to the application materials related to individual housing loans, it is also necessary to provide proof of approval to purchase affordable housing. This kind of certificate is generally issued by the local city or county people's government to see whether the applicant's family income meets the low income level and whether the housing meets the prescribed housing difficulty standard.

3. Because the buyers of affordable housing only have limited property rights and cannot be listed and traded for less than five years, the bank may have a five-year restriction on the loan conditions of affordable housing, which is subject to consulting the loan bank.

Second, the description of affordable housing loans

1, the process of applying for affordable housing loans is similar to that of applying for ordinary housing loans, except that affordable housing is used as collateral.

2. The loan interest rate of affordable housing is also implemented in accordance with relevant regulations. For example, the annual loan interest rate of provident fund loans 1-5 years and "can affordable housing be loaned?" I hope I can help you.