For those families with weak economic foundation and relatively low income, affordable housing is not cheap. It's still difficult to pay off the house in one lump sum. Can affordable housing be loaned? How much is the down payment for affordable housing?

Can affordable housing be loaned?

1. According to the actual situation, homeowners who purchase affordable housing may get loans. However, because the affordable housing in five years is a limited property right house, it can only be listed for sale after five years, that is, the buyer only has "house ownership" and no "land use right" In this way, the security of bank credit will not be guaranteed, so banks will not issue loans to affordable housing within five years.

2. As for the affordable housing for more than 5 years, after obtaining full property rights, you can borrow money to buy a house. The conditions for banks to issue loans mainly depend on the property rights of the houses they sell, so even if there are bad debts, banks will deal with them relatively simply. Therefore, as long as the purchase of affordable housing has obtained full property rights, buyers who meet the purchase conditions can ask for loans.

3. Affordable housing loans refer to loans issued by borrowers to borrowers for the development and construction of affordable housing projects. Borrowers refer to commercial banks and other banking financial institutions established in People's Republic of China (PRC) (China) according to law. The borrower refers to a real estate development company with legal person qualification and real estate development talents.

4. The conditions for banks to issue loans mainly depend on the property rights of pawn shops, so even if there are bad debts, banks will handle them relatively simply. Therefore, it is only necessary to purchase affordable housing with complete property rights, and buyers who meet the purchase conditions can request loans. Because the affordable housing in five years is limited property right, that is, the purchaser only has "house ownership" and no "land use right".

How much is the down payment for affordable housing?

1. Affordable housing is a new type of real estate launched by the government to adapt to the new social and economic situation in the process of housing reform in China. It is a social security commercial house suitable for low-income families. Affordable housing is an affordable social security housing supported by the government.

2. For affordable housing projects, the government will waive the land transfer fee, and other fees that should be collected will be reduced by 50%, and the transaction quotation, procurement target, area and profit of the development and construction units will be constrained. At present, the types of affordable housing mainly include affordable housing, affordable housing and affordable housing.

3. The down payment ratio for purchasing affordable housing varies from place to place, usually between 5% and 30%. Beijing stipulates that the relocated households should pay off the purchase of affordable housing in one lump sum.

4. The interest rate of affordable housing development loan shall be implemented according to the interest rate policy of the People's Bank of China, and may be appropriately lowered, but the downward rate shall not exceed 10%.