No matter whether we live in the city or the countryside, we have all encountered demolished houses. Then the house compensated by the government is what we call the resettlement house. It's just that most of us still can't have a comprehensive understanding of this kind of resettlement house. Then I said, can the resettlement house be loaned? What are the loan conditions and procedures for resettlement houses? No matter whether we live in the city or the countryside, we have all encountered demolished houses. Then the house compensated by the government is what we call the resettlement house. It's just that most of us still can't have a comprehensive understanding of this kind of resettlement house. Then I said, can the resettlement house be loaned? What are the loan conditions and procedures for resettlement houses?

Can the resettlement house be loaned?

Resettlement housing is a house built by the government to resettle the residents who have been demolished when carrying out urban road construction and other public facilities construction projects. That is, it is demolished due to urban planning, land development or other reasons, and then used to resettle the houses of the demolished or lessee.

You can't apply for a provident fund loan without buying a resettlement house. Resettlement households can apply for housing provident fund loans within 6 months after obtaining the deed tax certificate of property right certificate. If the land of the resettlement house has been classified as state-owned land, the house can get the title certificate, but if the resettlement house is a fund-raising land, it is impossible to get the title certificate.

If you just live by yourself, there will be no problem after signing the contract, and buying it will be risky.

Buying a resettlement house is risky because it belongs to individuals. For example, the resettlement houses in Shanghai are not allowed to be listed and traded within three years, so pay attention to whether the resettlement houses are within this period when buying. In addition, the property right of some resettlement houses is 50 years, which is different from the 70-year period of commercial housing, so it is necessary to pay attention to avoiding risks when purchasing resettlement houses.

What are the loan conditions and procedures for resettlement houses?

The loan object is the employee who has paid the housing provident fund in accordance with the regulations and has full capacity for civil conduct, and must meet the following conditions at the same time:

1, with permanent residence or valid residence status in this area;

2, when applying for a loan, the normal continuous deposit of housing provident fund for more than one year (inclusive), the new account holder normal continuous deposit of housing provident fund for more than six months (inclusive);

3, the actual demolition resettlement behavior;

4. Agree to use the total property value of the resettlement house purchased by the loan as collateral;

5. Have a stable income, good personal credit and sufficient ability to repay the principal and interest of the loan;

6. The borrower and his wife have no outstanding housing provident fund loans.

Resettlement housing loan process:

1. Apply for a loan and prepare relevant materials;

2. The lending institution shall review and approve the materials;

3. After approval, both parties sign a loan agreement;

4. The borrower handles mortgage registration;

5. Lending institutions issue loans.

The above is what I mainly tell you about whether the resettlement house can be loaned, and the conditions and process of the resettlement house loan. In fact, resettlement houses cannot be generalized. As long as the resettlement house we buy can meet the conditions for us to apply for mortgage loans, we can apply for loans, but we still need to consult local developers for details.