To apply for affordable housing, the following conditions must be met: First, at least one member of the family must be a permanent resident of this city for more than five years. Secondly, family income conforms to the income standard of low-income families designated by the municipal and county people's governments. The family income standard and housing difficulty standard of the affordable housing supply object are determined by the municipal and county people's governments according to local commodity housing prices, family disposable income, living standards and family demographic structure. The implementation of dynamic management needs to be announced to the public once a year. Finally, there is a need for no housing or the current housing area is lower than the housing difficulty standard stipulated by the municipal and county people's governments.

Hello, according to the relevant regulations of the state. Generally speaking, you can get a loan when you buy affordable housing. Moreover, the operation process of affordable housing loans is basically the same as that of personal housing loans for commercial housing. There are four kinds of loans for general affordable housing, namely mortgage loan, guarantee loan and mortgage pledge plus guarantee loan. To apply for affordable housing, you must go through the purchase formalities in the development and construction unit with the supporting documents issued by the unit or relevant departments that the annual family income is less than 60,000 yuan, the permanent residence card of urban residents in this city, and the resident ID card. But not everyone can apply for affordable housing. The details can be found online.

Can I apply for an affordable housing loan? 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.

Can affordable housing be mortgaged?

You can apply for a bank loan.

According to the measures for the administration of affordable housing:

Ninth individuals to buy affordable housing to apply for loans from commercial banks, in addition to the provisions of the "personal housing loan management measures", it should also be issued by the city and county people's government departments in charge of affordable housing approval notice.

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

Tenth affordable housing loan interest rates in accordance with the relevant provisions.

Eleventh affordable housing construction and supply should strictly implement the preferential tax policies stipulated by the state.

Extended data:

According to the Measures for the Administration of Individual Housing Loans:

Article 5 A borrower shall meet the following conditions:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.

Article 6 The borrower shall provide the lender with the following information:

I. Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);

2. Proof of the stable income of the borrower's family;

Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;

Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department;

6. Other documents or materials required by the lender.