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Can commercial housing with limited price be mortgaged?
the loan cannot be mortgaged. You can apply for a mortgage loan when you buy a price-limited commercial house, but the price-limited commercial house you buy cannot be used for a mortgage loan, and it can only be done after the price-limited commercial house is converted into a commercial house. Price-limited commercial housing can only be listed and traded into commercial housing after buying a house for five years.

process of converting price-limited commercial housing into commercial housing

1. It can be listed and traded five years after purchase: the purchase of price-limited housing should be filed for five years after the purchase contract is filed.

2. The house can only be transferred to the business after transaction: it can be a sale or a gift, but it must be a natural person who has reached the age of 18. It is not allowed between husband and wife.

3. The purchaser or the donee must be qualified: it takes about ten working days to do the qualification review.

4. Deed tax payment: You can pay the deed tax at the local tax after passing the qualification examination.

5. Pay the land transfer fee: bring relevant materials (① house book; 2 ID card; 3 household registration book; 4 deed tax ticket; ⑤ First-hand house tax ticket) Go to the real estate registration center and pay the land transfer fee (that is, 35% of the difference between the tax payment of the two deed tax tickets).

6. Complete the transaction (prepare the certificate): under the condition that all the formalities are complete in the real estate registration center, 8 yuan's room book cost shall be paid for the new house book at sunrise of two jobs.

Purchase process of price-limited commercial housing

1. Applicants need to go to the acceptance department of price-limited commercial housing sales point to receive the Application Form for Urban Price-limited Commercial Housing, the Certificate of Income of Applicants and Family Members, and the Letter of Commitment, and prepare income certificates and family materials certificates according to the information. The required materials are in duplicate, and they will be handed over to the acceptance department after they are fully prepared.

2. The accepting department conducts a preliminary review and summary according to the materials submitted by the applicant, including the Application Form for Price-limited Commercial Housing in Urban Area, Proof of Income of the Applicant and Family Members, Letter of Commitment and other identification materials, and checks the identity information of the applicant's family and its copy, and seals it after verification. Fill in the "Table 1 Information Summary of Applicants and Family Members of Price-limited Commercial Housing" and report it to the Municipal Affordable Housing Management Center for approval;

3. The municipal affordable housing management center shall summarize and review the family qualification according to the applicant's information reported by each accepting department;

4. After the applicant's purchase qualification is confirmed, it will be publicized on the website of affordable housing for 5 days;

5. If there is no objection to the publicity, the indemnificatory management center will issue the quasi-purchase certificate in duplicate, one for the indemnificatory housing center and one for the accepting department;

6. After receiving the quasi-purchase certificate, the accepting department will notify the applicant to go through the purchase procedures. Applicants who meet the purchase qualification will go through the relevant purchase procedures at the accepting department of price-limited commercial housing within ten working days after receiving the purchase notice, and the overdue qualification will be invalid. The specific purchase procedures are organized and handled by the development unit in the principle of fairness, notarization and openness;

7. After the applicant completes the purchase, the acceptance department of price-limited commercial housing needs to summarize the purchase situation, fill in the Summary Table of Price-limited Commercial Housing Purchase, and submit an original of the applicant's purchase contract to the municipal affordable housing management center for the record.