Commercial housing with 50-year property rights can only be loaned for 10 years, and the interest rate will rise 10%. Buy a house with 70 years of property rights, the first set is 70%. The loan term is 30 years, the main difference is here. Provident funds cannot be used to buy commercial housing with 50-year property rights. The commercial house 00+65438 can be loaned up to 50% of the highest loan evaluation value, and the interest rate really has to go up 1. 1 times. A month's deduction 150 is not much. Commercial housing loans are not too many sets, regardless of the qualification of buying a house, which has advantages and disadvantages.
I hope my answer is helpful to you!
Second, can a house with 50-year property rights be loaned? How about a 50-year-old house?
In the process of buying a house, we need to solve many problems. Some people say that these problems are far away from us and do not need to be considered, but once we encounter the problem of buying a house, we have to consider it clearly. Then the 50-year-old property right house is a serious historical legacy. So can I get a loan for a 50-year house? How about a 50-year-old house? Let's talk about these problems.
Can I get a loan for a house with 50-year property rights?
1, the developer made clear the nature of the land when he took it. Commercial or residential nature means that with the development of urban planning and construction, the government has set a reasonable functional nature for land from the needs of regional development, such as commercial and living facilities in newly developed areas.
2.50-year-old property house belongs to the design and construction of one-time use function that is not fully used for real estate development, and can meet the living needs. But the nature of the house is not residential, and the land use period is forty or fifty years. In the market, this kind of property is called "40-year or 50-year property right house" and "commercial house".
How about a 50-year-old house?
1, the advantages of 50-year-old property houses are good: such projects are scarce. The surrounding living atmosphere is mature, and the traffic is an office building, which is ok; On the other hand, the rent is much higher than that of ordinary houses.
2. Disadvantages of the 50-year-old property house: Because the land is a commercial compatible house and a comprehensive land, even if it is developed into a house, due to different charging standards, the living expenses, house purchase taxes and secondary transaction costs will be much higher than those of the 70-year-old house. Uncertain living expenses: according to the provisions of commercial use, water, electricity and other expenses. Will be commercialized. The price of water and electricity is similar.
3. Most developers negotiated in the initial stage of development and promised to charge according to the civil water and electricity standards, but they didn't really know how to pay according to law until they handed over the house. The product structure is affected: the property is less restricted by orientation, lighting and depth. And the living comfort is lower than that of ordinary houses, and there are generally no terraces, hanging gardens, etc.
Will there be different loans in different periods? What about the 50-year-old house We need to know clearly. When we encounter related problems, we need to proceed from reality and make correct judgments. If you are unclear, you can also consult a professional organization. In this case, we will deal with it faster.
Can a house with 50-year property rights be bought with a housing provident fund loan?
You can't. Only houses can borrow provident fund, and 65-year-old residential serviced apartments can borrow provident fund. Commercial buildings, office buildings and other non-residential buildings may not apply for housing provident fund loans.