Can I get a loan to buy a low-rent house?
1. First, after the establishment of the mortgage, if the debtor fails to fulfill his promise at maturity, the mortgagee has the right to obtain compensation by discounting the collateral or taking the sale price of the collateral as priority over other creditors. From the legal point of view, mortgage refers to the legal act that the debtor or the third party mortgages certain property to the creditor as a guarantee for paying off debts.
2. The low-rent housing in China is only rented but not sold, and it is rented to the lowest income among urban residents. The source of low-rent housing is mainly retired old public houses. It is an ordinary residence built by the state and local governments to solve the housing difficulties of urban low-income families.
3. However, the premise of obtaining the right to use low-rent housing is that individuals (families) who meet the supply conditions of low-rent housing apply to the government first, and can only buy, lease or supplement it after being examined and approved by relevant government departments. Low-rent housing has no inheritance right.
4. Low-rent housing cannot be bought or sold. Its real right belongs to the government, and the lessee has only the right of residence. Individuals who meet the application conditions for low-rent housing only have the right to use. Under normal circumstances, there is no real estate license to buy low-rent housing according to regulations, followed by illegal behavior. If the relevant departments find that it is likely that the low-rent housing will be repossessed, it will be your own loss. Therefore, the sale of low-rent housing must be cautious and troublesome.
How to buy a low-rent housing loan?
1. Low-rent housing can use provident fund loans, and the provident fund is drawn according to the sum of the monthly contributions of the borrower and the spouse to the provident fund ÷ the actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (the longest loanable period). If the contribution ratio of both husband and wife is inconsistent, the actual contribution ratio shall be determined according to the higher one. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.
2. The withdrawal of provident fund must still meet the down payment ratio of not less than 20%, and the maximum loan limit for each household is 600,000 yuan. If there is supplementary housing provident fund, the loan limit for each household can be increased by 200,000 yuan.