Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
Price-limited commercial housing is a kind of commercial housing with limited price and limited area, which mainly solves the housing difficulties of low-and middle-income families and is a temporary measure to limit high housing prices, not affordable housing. According to the idea of "fixing land price by house price", the government should organize supervision and market operation mode. When the land is put on the market for sale, the price-limited housing has been restricted in terms of housing prices, construction standards and sales targets. After calculating the developer's development cost and reasonable profit, the government sets the land transfer price range and regulates the house price from the source.
The application conditions for family affordable housing in Qinhuangdao must meet the following conditions: the application conditions for affordable housing in Qinhuangdao are 1, and the applicant has urban household registration in this city and at least one family member has obtained household registration in this city for more than three years.
Application conditions for affordable housing in Qinhuangdao II. The family has more than 2 people (including 2 people), the divorced person must be divorced for more than 3 years, and the single person must be over 30 years old (orphan 18 years old or older).
Application conditions for affordable housing in Qinhuangdao III. The per capita disposable income of the family is lower than that of the local area in the previous year.
Unfolded material:
"Measures" stipulates that price-limited commercial housing shall not be listed and transferred within 8 years from the date of registration of real estate ownership. Price-limited housing applicants and their family members shall not apply for price-limited commercial housing and other types of affordable housing within 5 years.
If the buyer of price-limited commercial housing fails to move in within one year from the date of delivery, the relevant departments shall recover the housing according to law or in accordance with the contract, collect liquidated damages, and investigate relevant responsibilities according to law.
Matters needing attention in handling mortgage loans are as follows:
1. Be sure to prepare all relevant information, such as ID card, household registration book, bank account number, salary slip, down payment receipt, etc., and the information provided must be accurate and consistent with the real situation, so as not to affect the mortgage review and approval because of incomplete or incorrect information.
2. Apply for an appropriate loan amount according to the total house price, actual economic situation and repayment ability. To apply for individual housing provident fund loans, you must also consider the balance of the housing provident fund account. Don't blindly apply for excess, lest you can't do it, or the repayment burden is too heavy after doing it.
3. If you apply for a personal housing provident fund loan, it is best not to use the housing provident fund at will before handling it.
If you have a lot of debts under your name now, you can pay off your debts before applying for a mortgage, or you can pay off part of them first, which can reduce your personal debt ratio.
5. Choose the appropriate repayment method. The average capital repayment method requires a higher level of economic income. After all, the pressure of prepayment is greater, which is suitable for customers with a certain economic foundation. If the economic conditions do not allow excessive investment in early repayment, you can choose the repayment method of equal principal and interest.