What is the process of affordable housing loan? After five years of affordable housing, the owner can make up the difference, convert the affordable housing into a loan product room and apply for a mortgage loan in the bank. What is the mortgage loan process of affordable housing?

Affordable housing mortgage loan process:

Step 1: Apply

1. When purchasing a trading company or affordable housing, the housing sales company shall sign a house purchase contract with the housing sales company, and at the same time, the housing sales company shall receive the Examination Form for Housing Provident Fund Loan Application, fill in and prepare relevant materials according to the form, and decide the loan amount.

2. To build or repair a house, apply for a loan from Changchun Housing Provident Fund Management Center according to the approval documents of the land and planning management department.

3. If you buy a private house (second-hand house) with complete property rights, you should apply to Long Fanghuan Guarantee Co., Ltd..

Step 2: Review

The sales company or guarantee company will review the borrower's information based on the purchase contract, down payment receipt and other materials.

Step 3: Sign a loan contract.

After the examination and approval of the housing provident fund management center, the borrower is notified to sign a loan contract with the bank, and relevant procedures such as contract notarization and mortgage insurance are handled.

Step 4: Guarantee

1. In case of purchasing a commercial house or affordable housing built by a developer who signed the Housing Provident Fund Loan Cooperation Agreement with the Center, the developer will undertake joint liability guarantee for the borrower by stages before the house is formally mortgaged.

2. If you buy a second-hand house with a birth ticket and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and other residential tickets can go through the relevant formalities at the property rights registration and certification center.

3. If you buy a second-hand house with a birth certificate and no land certificate, the guarantee company must bear the guarantee responsibility.

Step 5: Bank loan

After the borrower completes all the above procedures, the center will issue a loan approval decision to the entrusting bank to inform the bank of the loan.

Step 6: Repay

The borrower agreed in the loan contract to pay the repayment to the bank every month.

2. What is the handling process of CCB's housing mortgage loan?

Housing loan is a housing loan issued to the loan bank after the purchaser fills in the Application Form for Housing Mortgage Loan and provides legal documents. So, how to apply for a housing loan from China Construction Bank?

Construction Bank Housing Mortgage Loan Process:

1. loan application: understand the loan conditions, loan amount, term, interest rate repayment method, loan procedures, etc. And put forward the purpose, amount, duration and time of real estate mortgage loan.

2. Preparation of loan application materials: personal and spouse ID cards; Household registration certificates and marriage certificates of individuals and their spouses; Personal work and income certificate; Relevant certification materials of mortgaged real estate; Proof of loan use; Other relevant certification materials stipulated by the bank.

3. House inspection and appraisal: The bank will contact the designated real estate appraisal institution for house inspection and appraisal, or the lender will go to the appraisal institution designated (recognized) by Bank of Beijing for house appraisal.

4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the Construction Bank for approval. Approve the loan amount, term and other aspects according to the qualifications of the lender.

5. Mortgage registration procedures: go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract.

6. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.

3. Can I apply for bank mortgage loan for affordable housing in Beijing?

Affordable housing in Beijing can be mortgaged, but it must be over five years. When I say five years, I mean five years of real estate license, not when the house is built. I suggest you find a guarantee company to handle it. It is very troublesome to go to the bank by yourself. Property after marriage must be agreed by both parties. I hope Liu Xing Scout can help you.

4. How to make mortgage loans for affordable housing in Beijing?

What is affordable housing? According to the provisions of Article 2 of the Measures, affordable housing refers to the policy-oriented commodity housing that the government provides preferential policies, limits the construction standards, supply targets and sales prices, and has the nature of security. In other words, affordable housing is to enjoy the preferential policies provided by the government, implement administrative allocation of construction land, and supply it to ordinary residents' housing of low-income families in cities and towns. After the affordable housing is bought, it can be listed and traded. At the time of transaction, the purchaser who has purchased affordable housing needs to pay the land use right transfer fee of 3% of the house price. Outsiders can also buy affordable housing in Beijing, Yuan Ze Shunde, specializing in affordable housing loans in Beijing, short-term turnover and long-term bank loans. Customers can conduct on-site audit before negotiation158-1kloc-0/03-3650 Zhao Nvshi.