First, can I get a loan for selling resettlement houses?
Can I get a loan for the sale of resettlement houses? Non-demolition resettlement households and the purchase of resettlement houses may not apply for provident fund loans. In fact, the resettlement house is a house built by the government to resettle the relocated households. Usually, resettlement houses can apply for loans, but there are certain restrictions. According to the laws of our country, the transfer of resettlement houses can only be carried out after obtaining the real estate license of resettlement houses.
At present, resettlement houses that meet the following two conditions can apply for loans:
1. If the house is demolished due to real estate factors, you can apply for the mortgage loan of medium and low-priced commercial housing purchased by the demolition company for the relocated households.
2. If the land certificate belongs to the state-owned resettlement house that can be listed and traded, you can apply for a loan.
Second, the resettlement housing loan process
1. Consulting application and business acceptance (application form is required).
2. The bank investigates and approves the test, and signs and accepts relevant contracts.
3. It will take 65,438+00 working days for the employees of the Bank to handle the advance notice registration with the above information.
4. Banks sign loan contracts.
5. After the advance notice registration is completed, go to the Housing Authority to handle the mortgage advance notice.
6. Bank personnel go to the Housing Authority to get the mortgage notice.
7. When lending money, you must pay 20% interest to the bank in advance (subject to the contract signing cycle) and start lending money.
8. The customer pays the agency fee and guarantee fee in the bank (one-time charge throughout the year).
9. Pay interest regularly, repay the loan when due, and terminate the contract.
Third, the resettlement housing loan conditions
1, clearly providing the loan purpose.
2. The loan amount is not less than 500,000 yuan, and the loan period is from half a month to one year.
3, the city has touched the text positioning, resettlement housing has been paid and settled.
4. Have a local identity.
5, a stable economic income, good credit, the ability to repay the loan principal and interest.
6. The loan unit or individual has no bad bank records.
The above is what Bian Xiao shared for you: Can resettlement houses buy and sell loans? I hope it helps you. Want to know more about the loan information of resettlement housing, please continue to pay attention.