When it comes to affordable housing, many people may not understand it. In fact, it is a commercial house with social security nature. The state allocates land in a unified way, provides preferential policies on the sales price, limits the housing area and supplies it to low-income families. Then, can affordable housing be loaned? Next, let's take a look.
1. Can I get a loan for affordable housing?
Of course.
1. Individuals who purchase affordable housing can apply for loans from commercial banks and housing provident fund management centers at the same time. Of course, employees applying for provident fund loans must meet the corresponding conditions.
2. When applying for affordable housing loans, in addition to the application materials related to individual housing loans, it is also necessary to provide proof of approval to purchase affordable housing. This kind of certificate is generally issued by the local city or county people's government to see whether the applicant's family income meets the low income level and whether the housing meets the prescribed housing difficulty standard.
3. Because the buyers of affordable housing only have limited property rights and cannot be listed and traded for less than five years, the bank may have a five-year restriction on the loan conditions of affordable housing, which is subject to consulting the loan bank.
Second, the description of affordable housing loans
1, the process of applying for affordable housing loans is similar to that of applying for ordinary housing loans, except that affordable housing is used as collateral.
2. The loan interest rate of affordable housing is also implemented in accordance with relevant regulations. For example, the annual loan interest rate of provident fund loans 1-5 years and "can affordable housing be loaned?" I hope I can help you.
Can affordable housing be mortgaged?
You can apply for a bank loan.
According to the measures for the administration of affordable housing:
Ninth individuals to buy affordable housing to apply for loans from commercial banks, in addition to the provisions of the "personal housing loan management measures", it should also be issued by the city and county people's government departments in charge of affordable housing approval notice.
The purchase of affordable housing can withdraw individual housing provident fund, and give priority to housing provident fund loans.
Tenth affordable housing loan interest rates in accordance with the relevant provisions.
Eleventh affordable housing construction and supply should strictly implement the preferential tax policies stipulated by the state.
Extended data:
According to the Measures for the Administration of Individual Housing Loans:
Article 5 A borrower shall meet the following conditions:
1. Have permanent residence or valid residence status in cities and towns;
Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;
Three, with the purchase of housing contracts or agreements;
Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;
Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;
6. Other conditions stipulated by the lender.
Article 6 The borrower shall provide the lender with the following information:
I. Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);
2. Proof of the stable income of the borrower's family;
Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;
Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;
Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department;
6. Other documents or materials required by the lender.