In addition to provident fund loans, five-year affordable housing loans are normal. The benchmark interest rate from 0 to June is 6.1%; 65438+6.56% within 0 to 6 years; 6.65% within one to three years; 6.9% in three to five years; 7.05% in 5 to 30 years.
The materials needed for the affordable housing loan are: the ID card of the owner of the real estate license (submit the birth certificate if it is not full), household registration book, education certificate and marriage certificate. Proof of income (preferably with corresponding tax certificate), purchase contract. Down payment receipt (signed by the landlord himself), private seal and asset certificate (real estate, stocks, funds, etc.). ). The corresponding bank deposit passbook. The applicant's receiving bank account, the applicant's ID card and household registration book.
Application conditions of affordable housing
1, the household registration in this city (including military personnel) or the supply target determined by the municipal or county people's governments.
2. Poor families whose current living area is less than 15 square meters.
3, the family income does not exceed 2300 yuan.
4, other circumstances stipulated by the people's government at the same level.
What is affordable housing?
1. Affordable housing refers to the housing that the city government organizes real estate development companies and financing construction units to build and sell to urban low-income residents at low prices. This is a kind of commodity housing with social security attributes. It is both economical and applicable.
2, economy, refers to the house price and the market price in the same period, suitable for low-income people. Applicability, that is, in the housing construction standards, can not be reduced or reduced for a certain purpose. Like many countries in the world, affordable housing is a policy arrangement for low-income groups, and the housing policy based on leasing is called "low-rent housing".
3. In other countries or regions, affordable housing is usually called public housing, China and Hong Kong are called "Home Ownership Scheme" (hereinafter referred to as "Home Ownership Scheme"), China and Macau are "affordable housing", China and Taiwan Province are "state houses" and Singapore are "apartments".