Commercial and residential regulations:

1. Commercial and residential dual-use houses cannot be moved into the hukou, which means that even if there are good educational resources around, children can't go to school nearby because of the hukou.

2, there is no complete life supporting service facilities. Commercial projects generally do not need to design supporting service facilities, such as schools, businesses, neighborhood committees, etc. In other words, there are no supporting kindergartens, schools, medical care and old-age care services. This will bring a lot of inconvenience to daily life after purchase.

3. Mortgage loans are based on commercial housing standards. The down payment for commercial and residential dual-use houses is 50%, the loan interest rate is 1. 1 times that of ordinary houses, and the loan period is at most 10 years, so housing provident fund loans cannot be used.

4. Do not implement preferential tax policies when purchasing. There are many preferential tax policies for ordinary houses, but there are no corresponding preferential tax policies for commercial and residential houses.

Second, how many years will it take to pay the Guangzhou housing provident fund to buy a house?

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At present, most enterprises in our country pay housing provident fund for employees, so that employees can apply for housing provident fund loans when buying a house, which reduces the pressure on people to buy a house. So how many years can Guangzhou housing provident fund borrow to buy a house? The following article will introduce you.

How many years can Guangzhou housing provident fund borrow to buy a house?

Guangzhou registered employees need to pay the housing accumulation fund continuously for more than 1 year (inclusive) before they can apply for local loans to buy houses in Guangzhou, while non-Guangzhou registered employees need to pay the housing accumulation fund continuously for more than 2 years (inclusive) before they can apply for loans to buy houses. When applying for housing provident fund loans, you need to bring the applicant's ID card, income certificate, purchase contract and other relevant documents to the provident fund center for loan procedures.

Who can't apply for housing provident fund loans?

1. Employees who fraudulently withdraw the balance of the housing provident fund account need to return it in full for five years before they can apply for housing provident fund loans.

2 applicants who use false information to defraud housing provident fund loans may not apply for housing provident fund loans within 5 years.

3. If the credit records of the People's Bank of China show that the housing loans overdue has been over 6 periods (inclusive), the applicant needs to wait for the loan to be settled for 5 years before applying for the housing provident fund loan.

4. If the credit record of the applicant in the People's Bank of China shows that the credit card has been overdue for more than 6 periods (inclusive), the applicant can apply for a housing provident fund loan only after the overdue amount has been paid off for 2 years.

5. If the credit record of the applicant in the People's Bank of China shows that the credit card is in a bad debt, frozen or stopped payment state, it is necessary to cancel the card before applying for the housing provident fund loan.

6. If the credit record of the People's Bank of China shows that the loan is classified into concern category, sub-category, doubtful category or loss category, it is necessary to wait until the loan status becomes normal before applying for a housing provident fund loan.

The above is an introduction about how many years Guangzhou housing provident fund can borrow to buy a house. I hope I can have a certain understanding of the housing provident fund policy, so that everyone can use the provident fund reasonably and buy the house they like.

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3. Can commercial housing be loaned?

Commercial housing can be loaned, which is suitable for the applicant's capital needs during the operation of commercial housing, but the purpose of the loan cannot violate the relevant provisions of the state. Loans with the operating income of commercial housing and other legitimate income of the borrower as the source of debt service. : 1. The concept of commercial housing: commercial housing refers to all kinds of shops, retail stores, restaurants, grain and oil stores, food markets, barbershops, photo studios, bathrooms, hotels, guest houses and other houses used for business and services for residents' lives, as well as office buildings. ; Another explanation of commercial housing: commercial housing refers to the houses developed by real estate development companies for external operation by commercial, grain, supply and marketing, catering and other departments, such as shops, salesrooms, grain shops, bookstores, supply and marketing cooperatives, restaurants and so on. Generally refers to the house on the ground floor facing the street. The land use period of commercial buildings is 40 years; Personal commercial housing loans Personal commercial housing loans refer to commercial loans issued by lenders to borrowers with their own funds for the purchase of commercial housing (including shops and office buildings). 2. Commercial housing loan: Commercial housing loan is a housing loan product launched by China Construction Bank. (1) Loan targets: China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland; (2) Loan amount: no more than 60% of the sales price or appraised value of the purchased commercial house (whichever is lower); (3) Loan term: The longest loan term is 65,438+00 years, which shall not exceed the remaining service life of the purchased commercial house. The loan interest rate shall be subject to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and may be floating; (4) Required information: copy of legal identity documents (resident identity card, household registration book, military officer's card, foreign natural person's passport with the right of abode in Chinese mainland, family visit card, home visit card and other residence documents or other identity documents); Proof of the borrower's repayment ability recognized by the loan bank, such as income certificate and asset certificate; Legal and valid contracts and agreements for the purchase of commercial housing; Where mortgage or pledge is involved, the ownership certificate of mortgage or pledge right and the written certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it shall be provided; Where the guarantee is involved, it is necessary to provide the written commitment of the guarantor to provide the guarantee and the credit certificate of the guarantor; Relevant certificates of the borrower's self-raised funds for purchasing commercial housing; Other documents and materials specified by the loan bank.

Fourth, can commercial housing be loaned?

Bank interest rates are the same, and they are all mortgage repayments, mainly depending on where they go. Different interest rates will rise to different degrees.