Can affordable housing be mortgaged?
According to the current situation, we know that the use of affordable housing can be mortgaged, depending on whether the house meets the relevant loan conditions. Affordable housing is a house taken care of by the state, and the house price is relatively low. Therefore, affordable housing cannot be used as a mortgage loan for five years, and it takes five years to make up the difference and turn it into a loan product before applying for a loan.
Other methods can be used to obtain loans:
1. You can use other properties as collateral, whether it's your own or those of your relatives and friends. If it is the property of friends and relatives, you should have their signatures.
2. You can use your own car as a mortgage loan, which can lend money faster and solve your financial problem quickly.
3. What needs to be known is that it takes more than 5 years for affordable housing to get a loan. It should be pointed out that whether it is real estate or car mortgage, you must choose a large formal and powerful lending institution to get a loan in a short time.
5. Affordable housing cannot be used for mortgage loans within five years, but can be listed and traded after five years, and then can be used for mortgage loans. Because affordable housing belongs to policy housing, the property rights of buyers are limited. Within five years of affordable housing, the state will not apply for a property right certificate. Without a property right certificate, they will not be able to mortgage loans.
How to apply for mortgage loan for affordable housing?
It is understood that according to the relevant regulations, affordable housing for real estate mortgage loans can only be used for five years, and affordable housing under five years cannot be used for mortgage loans, because affordable housing under five years cannot provide relevant property rights certificates, mortgage registration procedures cannot be handled without real estate license, and listing transactions cannot be conducted without formalities, so it cannot be recognized by banks and credit institutions.
1. It is necessary to apply to the relevant departments where the house is located with the real estate license. After the relevant departments of the Ministry of Land and Resources have completed the calculation of the payable amount, they will collect the corresponding amount and issue a payment voucher.
2. Within 90 days after issuing the land price payment voucher, apply to the real estate transaction registration office for complete property right change registration with the voucher and related transaction materials.
After completing the registration formalities of complete property right change of real estate, you can apply for real estate mortgage loan according to normal real estate mortgage loan procedures.