Public rental housing is a national policy housing. Many cities have launched public rental housing. Many tenants want to buy public rental housing after the lease expires. Can public rental housing be loaned? Next, Bian Xiao will briefly introduce it to you.

1. Public rental housing is a policy-guaranteed housing. Many cities are not allowed to buy public rental housing, such as Beishangguang, Zhengzhou, Chengdu, Xi, Hangzhou and other cities. Public rental housing only rents, not sells. The property right of public rental housing is usually owned by the government or institutions, so public rental housing is usually not allowed to apply for loans.

2. However, public rental housing is allowed to be bought and sold in some areas. Under normal circumstances, if the lessee rents for five years and is approved by the government for sale, he can apply for the purchase of public rental housing. When buying public rental housing, he can choose to pay in one lump sum or by installment. However, public rental housing is usually not listed and traded. If the buyer needs to transfer, the government will buy back. Therefore, public rental housing cannot apply for loans, so banks usually require mortgaged properties to be listed and traded normally. Whether public rental housing can be sold depends on the regulations of various cities.

3. Public rental housing Because of low rent, stable rent and long lease term, many people will want to rent public rental housing; However, when renting public rental housing, everyone needs to abide by the relevant government regulations. For example, if you want to apply for public rental housing in Chengdu, you need to meet the annual family income of 654.38+10,000 yuan or less, or the annual personal income of 50,000 yuan or less; The applicant and family members have no residence in the central city and have not rented public houses; Migrant workers need to hold residence permits, work in this city, sign labor contracts with employers and pay social security.

Bian Xiao concluded: Regarding whether public rental housing can be loaned, Bian Xiao will briefly introduce it to you here. I hope that after reading this article, everyone can understand this. In many cities, public rental housing is only for rent, not for sale. After the lease expires, eligible people can apply for renewal.

What does rental loan mean?

Now, whether buying a house or renting a house, the price is not cheap, especially in first-tier cities, and the price is so expensive that people can't breathe. Now renting a house, many tenants will take the practice of renting a loan to ease the pressure of life. So what is the meaning of rent loan and how to identify the trap of rent loan? Let's get to know it together!

What does rental loan mean?

1. The so-called rent loan means that the tenant borrows from the bank to rent a house for one year, and then the tenant needs to repay the loan to the bank on a monthly basis. At present, most landlords require to pay the rent quarterly or annually, which is a great expense. Therefore, for tenants with low income or housing difficulties, it is very cost-effective to use rent loans, which can alleviate a lot of pressure on them.

In fact, the interest rate of rent loan is lower than that of housing loan. According to the personal loan benchmark interest rate, the rental loan is 4.35% for 1 year, 4.75% for 1-5 years and 4.9% for more than 5 years. The maximum loan for renting a house by CCB is 654.38+0 million, and the longest term is 654.38+00 years. This is to develop the long-term rental market.

How to identify the trap of rent loan

Many friends are inexperienced in rent loans and are often cheated, so everyone must master some identification skills:

1. Read the contents of the loan contract carefully when signing the contract, and pay attention to whether the loan contract is signed when signing the rental contract.

Before the loan, you should calculate the amount you need to pay each month in advance, and then compare whether the amount you pay is the same as the actual rent. If the cost will be much higher, it means there is a problem. Don't be cheated.

3. When you rent a house, see if the other party asks you to pay the rent through the APP. If this happens, there may be some traps in renting loans.

Bian Xiao concluded: The above is about what is the meaning of rent loan and how to identify the trap of rent loan. I hope it will help everyone! Rent loan is really beneficial to tenants, but we should also learn to identify whether there are traps and avoid being cheated.

When renting a house, can I pay by credit card or apply for a loan if I don't have enough money?

There is no loan project for renting a house, because the loan is guaranteed by the bank with the house as collateral. The rental bank cannot use the house as collateral. If there are other items that can be mortgaged, you may be able to negotiate with the bank. Regarding credit card payment, some apartments accept credit cards, but there will be a little extra handling fee, which should be discussed with the apartment. You can get a loan to buy a house. If the rent is equal to the monthly mortgage repayment, buying a house is a better choice.