What are the eligibility requirements for affordable housing loans?
Verification of family members: Family members need to be composed of husband and wife and their only children. In the middle, applicants need to apply for affordable housing and have permanent residence in the four districts of the relevant city for more than 5 years; Relevant verification of residential construction area: the residential construction area is verified according to the construction area of private houses and rented public houses owned by the applicant and his family members in this city, and the related houses that have been transferred should be consolidated. Houseless households shall be certified by the unit where the relevant family members are located, and those without units shall be certified by the street office where the relevant household registration is located; Verification of annual income: annual income refers to the total income of relevant applicants and their family members in the previous year, including wages and annual income (including housing provident fund and housing subsidies); Bonuses and temporary subsidy income; Income from production and operation and income from contracted leasing enterprises; Income from labor remuneration; Other income;
The income certificate is issued by the unit, or by the street office where the account is located if there is no unit. Last year, the per capita disposable income of urban residents in our city was based on the data published in the government accounting bulletin, and the annual standard adjustment date for income review was based on the date published in the government accounting bulletin; The policy of purchasing affordable housing is to have a non-agricultural household registration in this city (within the outer ring road), and then demolish the house where you live; The annual household income is lower than the per capita labor remuneration of the workers in township units issued by the Municipal Accounting Bureau (the annual household income line standard for purchasing affordable housing is 42,000 yuan); For relocated households with monetary resettlement, the compensation and resettlement fee for bungalow removal is less than 654.38+10,000 yuan, the high-rise building is less than180,000 yuan, and there is no shelter in other places.
What are the details of the affordable housing loan?
Affordable housing can also be the same as commercial housing, requesting real estate pawn loans. However, the purchase of affordable housing for less than five years, because it is not allowed to be listed for sale, so you can not ask for pawn loans. On the other hand, if you have bought affordable housing for more than five years, you are eligible for a loan. Because affordable housing within five years is limited property right, that is, buyers only have "property right" and no "land use right". In this way, the security of bank credit will not be guaranteed, so banks will not issue loans to affordable housing for five years. The conditions for banks to issue loans mainly depend on the property rights of mortgaged properties, so that even if there are bad debts, it is more convenient for banks to handle them. Therefore, it is necessary to purchase affordable housing with full property rights, and buyers who meet the purchase conditions can request loans. In the process of promoting the sale and socialization of housing, there is a long process, that is, people pay more attention to the economic function of housing, advocate the effect of sales, pay less attention to the social function of housing, and ignore the effect of government guarantee, thus making the housing problem more and more valued by all sectors of society. Of course, on the other hand, if the government does everything and ignores the effect of sales, it is also unsustainable. There will be two links behind it, namely, demand and possibility, as well as housing security and avoiding welfare traps.
What the above small series tells you is the qualification requirements for affordable housing loans. In the actual purchase, everyone should give themselves a position according to their own needs, so as to buy a suitable real estate.