1, housing provident fund rules and regulations are established for one year, and housing provident fund is paid in full monthly for about half a year; Have a fixed source of income, good credit information and the ability to repay loan interest; There are reasonable and legal consumer (construction, demolition, overhaul) housing contracts, agreements and certification materials approved by relevant departments;
2, demolition, overhaul of housing, can be not less than the proportion of the cost of construction, demolition, overhaul of housing to pay the down payment or self financing; The guarantee method recognized by the core of provident fund management is effective. Houses that have obtained property rights are used as loan pledges, and houses purchased by real estate companies are used as loan pledges, which are jointly or by stages guaranteed, and the housing provident fund is jointly guaranteed nationwide.
Legal provisions: Article 26 of the Regulations on the Management of Housing Provident Fund requires
Rural self-built housing personal provident fund loan standards are as follows:
(a) to provide relevant documents for the construction of self-occupied housing;
(two) more than 30% of the self-raised funds are used for the progress of self-occupied housing projects.
What is the pool area of resettlement houses? Applicants applying for housing provident fund loans should be guaranteed by the company.
Generally speaking, the shared area index of ordinary high-rise residential buildings is about 10%- 15% without any underground equipment room, minimum pavement and overhead ground floor. The pool index of garden house with elevator is about15%-20%; There are relatively more high-rise houses, about 20%-25%.
Multiply the interior construction area of each suite (module) by the public * * * construction area allocation index to get the public * * * construction area that buyers should effectively share. Average public * * * construction area = average index of public * * * construction area × interior construction area. Housing pool area = building area-usable area, the so-called pool coefficient is actually the housing rate of high-rise buildings.
What should I pay attention to when buying a resettlement house? 1. Pay attention to the policy.
Resettlement houses are generally divided into two categories: one is the commercial and residential buildings with supporting facilities built due to the demolition of important municipal road projects or the commercial and residential buildings with low prices during the purchase process. Although the ownership of such houses belongs to personal property, they cannot be listed and traded within a time limit.
2, pay attention to the property rights * * * someone.
In addition to everyone, some resettlement houses still have houses occupied, and * * * people are producers of real estate transaction risks. They look for institutional loopholes in the agreement to evade the legal basis, pursue the perfection of our rights and interests, or set up roadblocks for the effectiveness of the contract. The demolition house sales contract was established at the time of signing, and the ownership was clear. If the demolition person thinks that the contract is invalid, then such behavior is contrary to the principle of good faith and will cause risks to the resettlement housing transaction.
3. Pay attention to the quality of household products.
The income of resettlement houses is usually concealed, and contractors can often cut corners to improve efficiency. However, there is also a better resettlement housing normal school project, and the quality of this resettlement housing will be better.
4. Pay attention to the problem of house property right certificate.
The land use of resettlement houses belongs to the state-owned system, and you can get the title certificate, but the resettlement houses can't get the new land financing title certificate. It is illegal to trade resettlement houses with real estate licenses. If there is no title certificate, it is a small property house, and it is impossible for buyers to have no title certificate. Once the owner breaks the contract, the interests of the buyers cannot be protected.