The nature of the land for resettlement houses based on real estate certificates is allocated. If you don’t have a house title certificate, you can’t get a loan. If you have a house title certificate, you can get a loan. If the resettlement house is a policy service, then it is estimated that the bank will not accept it as a mortgage. property, it cannot be used for mortgage loans. The resettlement houses have large property rights and can be borrowed from banks and provident fund loans are no problem. After understanding that resettlement housing can be loaned, you can also learn about the loan amount conditions and loan application process.
Resettlement housing loan conditions 1. Have a permanent residence or valid residence status in the administrative area; 2. When applying for a loan, make normal and continuous payments to the housing provident fund for more than one year (inclusive), and employees who open new accounts must pay normally and continuously. Deposit housing provident fund for more than six months (inclusive); 3. Actual demolition of resettlement houses occurs; 4. Agree to use the full value of the resettlement house purchased with the loan as collateral; 5. Have stable economic income and good personal credit , have sufficient ability to repay the principal and interest of the loan; 6. The borrower and his wife have no outstanding housing provident fund loans. Of course, some provinces and cities have different requirements for resettlement housing loans.
Personal application process for resettlement housing loans: 1. Those who meet the loan conditions can apply for the relevant loan form at the counter or download it online; 2. Go to the housing provident fund payment place and the housing management office where the house is purchased to issue a housing registration information certificate; 3. Unmarried people need to go to the civil affairs department to issue an unmarried certificate; 4. Go to the housing provident fund paying unit to issue an income certificate (download the form online or collect it at the counter); 5. Bring the relevant originals and copies to the counter to apply for loan acceptance; 6. Center approval For a loan, the borrower signs a contract with the undertaking bank; 7. The borrower goes to the real estate transaction department to handle the mortgage registration procedures; 8. The undertaking bank approves and issues the loan. Can I get a loan for resettlement housing? There is no difference between resettlement houses with real estate certificates and other types of houses. If you want to apply for a resettlement housing loan, you can apply if you meet the conditions and prepare relevant documents. However, the attitude towards resettlement housing in various places is rather ambiguous. Some places stipulate that loans can be provided for resettlement housing, while other places do not allow it. Therefore, if you want to know whether you can get a loan for a resettlement house, it is best to consult the local authority, which is safe.