1. Can Daxing affordable housing be mortgaged?
According to the current situation, Daxing can apply for mortgage loans with affordable housing, depending on whether the house meets the relevant loan conditions. Affordable housing is a house taken care of by the state, and the house price is relatively low. Therefore, affordable housing cannot be mortgaged within five years, and it takes five years to make up the difference and convert it into a loan product house before applying for a loan. Other methods can be used to obtain loans:
1. Daxing mortgage loan can be mortgaged with other properties, whether it is your own property or the property of relatives and friends. If it is the property of relatives and friends, it must be signed by them.
2. Daxing mortgage loan can use the car you own as a mortgage loan, and the car mortgage loan is faster, which can quickly solve your financial problem.
3. Daxing needs to know that it takes more than five years to obtain loans for affordable housing. It should be pointed out that whether it is real estate or car mortgage, you must choose a large formal and powerful lending institution to get a loan in a short time.
4. Daxing affordable housing can not be used for mortgage loans within five years, but can be listed and traded after five years, and then can be used for mortgage loans. Because affordable housing belongs to policy housing, the property rights of buyers are limited. For affordable housing within 5 years, the state will not handle the property right certificate. Without the real estate license, you can't apply for a mortgage loan.
Second, what procedures are needed for Daxing affordable housing?
It is understood that, according to relevant regulations, affordable housing for housing mortgage loans in Daxing must be used for five years, and affordable housing under five years cannot be used for mortgage loans, because affordable housing under five years cannot provide relevant property certificates, mortgage registration procedures cannot be completed without real estate license, and listing transactions cannot be conducted without formalities, so it cannot be recognized by banks and credit institutions.
1. Daxing affordable housing needs to apply to the relevant departments where the house is located with the real estate license to go through the formalities of paying the land income price. After the relevant departments of the Ministry of Land and Resources have completed the calculation of the payable amount, they will collect the corresponding amount and issue payment vouchers.
2. Daxing affordable housing should apply to the real estate transaction registration office for complete registration of property right change with the vouchers and related transaction materials within 90 days after the issuance of the land income payment voucher.
After completing the registration formalities of complete property right change of Daxing affordable housing, you can apply for real estate mortgage loan in accordance with the normal real estate mortgage loan procedures.