Can I buy a small property right house in Shahe with a provident fund loan?
What is certain is that there is no property right certificate in Shahe small property right house, so it is impossible to use provident fund loans. The difference between small property houses and large property houses lies in the payment of land transfer fees. Large property houses are legal. As long as you pay off the purchase price or pay the land transfer fee when buying and selling, you can buy and sell freely like ordinary houses, and its legal provisions are clear.
1. In Shahe, if you want to use real estate to realize mortgage, you must provide a real estate license recognized by the bank. Without a real estate license, you can't apply for loans and mortgages through the bank. Small property houses refer to houses built on rural collective land, and do not pay land transfer fees. Such houses do not have land use certificates and sales licenses issued by the state, and the Housing Authority will not put such purchase contracts on record.
2. Small property houses are not recognized and registered by the state. Therefore, small property houses cannot be mortgaged in banks. Of course, this does not mean that small property houses cannot be mortgaged. Buyers of small property houses can apply for mortgage loans or personal loans in private guarantee companies.
3. At this stage, the state has no clear regulations on small property houses, so there are unpredictable risks. Although "the law does not blame the public", people who buy small property houses can only be regarded as a "minority" compared with those who buy legal real estate, and it is impossible to obtain legal asylum, so buyers should not take any chances.
What is the loan process of provident fund for small property houses in Shahe?
From the above, it can be clearly guided that due to the fact that the law does not recognize small property rights, Shahe housing with small property rights cannot be loaned by provident fund. The so-called mortgage loan for small property houses means that the borrower finds a formal loan company, mortgages the small property houses, carries out short-term loan turnover and repays the principal at maturity. This method is feasible in Shahe or other places in China.