According to the relevant regulations, the application for provident fund loans must meet the following conditions: (1) At the time of application, the borrower and the employer have paid the housing provident fund in full and on time for more than one year, and the borrower and spouse have not applied for provident fund loans or have returned the housing provident fund loans they have obtained; (2) Having permanent residence or valid residence status within the administrative area of this Municipality; (3) There is a contract or agreement for the purchase of housing, and the down payment is not less than 30% of the value of the purchased housing; (4) Having stable economic income, good credit, and corresponding loan repayment ability, and having a certificate of the borrower's fixed economic income issued by the unit; (5) There are assets recognized by the provident fund management center as collateral or pledge, or legal persons or natural persons with sufficient compensatory capacity as guarantors; (6) The house purchased by the borrower must be an ordinary house with a pre-sale permit for commercial housing. (seven) other conditions stipulated by the provident fund management center. Whether affordable housing can use provident fund loans depends first on whether the project has the conditions for provident fund loans, and secondly on whether the developer has filed with the provident fund management center after meeting the conditions. If the project can provide a choice of payment methods for provident fund loans, it is also necessary for buyers to meet the conditions of provident fund loans. According to what you said, I suggest you consult your favorite affordable housing project first.

Second, can I apply for a loan for affordable housing? What is the down payment?

You can apply for a bank loan.

"Economic applicable housing management measures" provisions of article ninth:

Individuals who purchase affordable housing apply for loans from commercial banks, in addition to complying with the provisions of the Measures for the Administration of Personal Housing Loans, they shall also issue a notice of approval from the competent department of affordable housing of the people's government of the city or county.

The purchase of affordable housing can withdraw individual housing provident fund, and give priority to housing provident fund loans.

The general down payment is about 30%.

Of course, affordable housing is cost-effective, but you have to do it yourself, as long as you provide information as required. Finding a date is quite simple, there is no need. Not cost-effective. The appreciation of affordable housing is fast and the market is big. Don't worry about appreciation.

Zhengzhou has a minimum down payment of 20% and a maximum loan period of 30 years. However, affordable housing cannot be traded for five years. The price of buying a house is only one aspect. You need to comprehensively consider other indicators, such as the environment of the community, supporting facilities, transportation and other factors. I suggest you consider it comprehensively and make your own judgment.

3. What do you know about the loan procedures, years and down payment ratio of affordable housing in Luoyang?

1. First-hand housing mortgage loan application conditions (1) have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; (2) Having a good credit record and willingness to repay; (three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time; (4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses; (5) Being able to pay the down payment of the purchased house; (6) Opening a personal settlement account in a bank; (7) Effective guarantee recognized by the lender;

2. First-hand housing mortgage loan application materials (1) identity documents; (2) proof of marital status; (3) proof of repayment ability and income; (4) documents proving that the down payment for house purchase has been paid; (5) A legally binding commercial housing sales contract signed with a real estate developer; (6) If there is * * * borrower or * * * owner, the borrower or * * * owner shall provide relevant identity documents and the commitment to agree to mortgage, and if there is * * * borrower, it shall provide proof of repayment ability; (seven) other information required by the bank.

3. First-hand housing mortgage loan amount Generally, the maximum loan amount of first-hand housing loans is 80% of the property value, which requires the applicant to have a stable income source and a good job, and can guarantee self-financing. The longest loan period of a mortgage is 30 years, and the sum of the applicant's age and loan period does not exceed 70 years. If you need a loan, I recommend you to go to Easy Loan China, which is a formal loan intermediary. You can complete the online loan application in three minutes, and there is no charge for failure. First-hand housing mortgage loan-refers to the loan issued by loanchina United cooperative bank to the borrower, which is used for the borrower to purchase the first transaction housing (that is, the housing developed and built by real estate developers or other qualified developers and sold to individuals) as collateral, and then repay it on a monthly basis. Loan application amount: 200,000-2 million yuan.

Fourth, can affordable housing be loaned? How much is the down payment for affordable housing?

Affordable housing is a welfare housing introduced by the government. It is a property for low-income families, which is different from the commercial housing we often see in our daily life. In terms of price, affordable housing will be much cheaper than commercial housing, but the economic ability of low-income families is limited. Even if they can buy affordable housing, it is impossible to pay the full amount in one lump sum. At this time, they intend to apply for a loan, buy a house first and then pay it back slowly. Then, can affordable housing be loaned? Let's get to know each other.

Can affordable housing be loaned?

1, it is understood that the purchase of affordable housing can be loaned. However, due to the limited property rights of affordable housing within five years, it can only be listed and traded after five years, that is, buyers only have "house ownership" and no "land use right". In this way, the security of bank credit will not be guaranteed, so banks will not issue loans to affordable housing for five years.

2, and for more than 5 years of affordable housing, after obtaining full property rights, can be purchased by loan. The premise of bank loans mainly depends on the property rights of mortgaged houses, so that even if there are bad debts, banks can handle them better. 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.

3. Affordable housing development loans refer to loans issued by lenders to borrowers for the development and construction of affordable housing projects. Lenders refer to commercial banks and other banking financial institutions established in People's Republic of China (PRC) according to law. The borrower refers to a real estate development enterprise with legal person qualification and real estate development qualification.

4, the premise of bank loans mainly depends on the property rights of mortgaged houses, so that even if there are bad debts, banks can handle them better. 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. Because affordable housing within five years is limited property right, that is, buyers only have "house ownership" and no "land use right".

How much is the down payment for affordable housing?

1. Affordable housing is a new type of real estate introduced by the government in the process of housing reform in China, which is suitable for low-and middle-income families and has the nature of social security. Affordable housing is an affordable social security housing supported by the government.

2. For affordable housing projects, the government will waive the land transfer fee, and other fees that should be levied will be reduced by 50%, limiting the sales price, purchase object, area and profit of development and construction units. At present, the types of affordable housing mainly include affordable housing, affordable housing and housing for the needy.

3. The down payment of affordable housing varies from place to place, generally between 5% and 30%. Beijing stipulates that households should pay in one lump sum for the purchase of affordable housing.

4. The interest rate of affordable housing development loan shall be implemented according to the interest rate policy of the People's Bank of China, and may be appropriately lowered, but the downward rate shall not exceed 10%.

Can affordable housing be loaned? When applying for affordable housing, you can ask the local housing management department. If you can get a loan, you can go through the corresponding procedures. Not everyone can apply for affordable housing. If it meets the application conditions, it is necessary to prepare materials and actively apply, so as to buy a suitable house to live in. Each city has different application requirements for affordable housing, and the application conditions for affordable housing in big cities are often more demanding.

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