For affordable housing, you can also apply for a loan after purchasing for five years and applying for a real estate license, and have full property rights. The interest rate of affordable housing loan is the same as that of ordinary housing loan, and the loan interest rate is different according to the individual loan term. If you use provident fund loans, the loan interest rate will be lower. To apply for affordable housing loans, you need to prepare the applicant's personal identity card, personal income certificate, personal credit report, etc.

Is it better to buy commercial housing or affordable housing? Buying commercial housing or affordable housing mainly depends on which angle to consider. It is obviously better to buy affordable housing from an economic perspective, because the price of affordable housing is indeed more favorable than that of ordinary commercial housing, and the quality of affordable housing itself is not much worse than that of commercial housing. From the convenience point of view, it is obviously better to buy commercial housing, because the surrounding facilities of general commercial housing should be more perfect, and the surrounding traffic will be more convenient, while the location of many affordable housing may be a bit remote and the surrounding facilities are not very mature.

How much is affordable housing? The amount of money for affordable housing is not fixed. It depends on the area of affordable housing, the total price of affordable housing, and other factors. The purchase of affordable housing needs to pay a series of expenses such as housing transaction fees, stamp duty, surveying and mapping fees and production fees.

The above is about the interest rate of affordable housing loans. You can't apply for a loan for affordable housing until five years later. The interest rate is 6. 1% in half a year, 6.56% in half a year to one year, 6.65% in 1~3 years and 6.9% in 3~5 years.