Price-limited houses can be turned into commercial houses. According to national regulations, price-limited houses can be converted into commercial houses after 5 years, and they can be traded freely after being converted into commercial houses. Price-limited houses can be sold in the market, and the price is set by the seller himself and is no longer bound by the government.

How to borrow money to buy two rooms?

1. Apply for a two-room loan. Lenders of two-bedroom houses apply for loans from local banks. In addition to applying for other small loans in rural areas, other types of Fannie and Freddie loans also need to provide relevant information.

Basic information of the second home loan lender and guarantor; The financial report of the previous year approved by the financial department or accounting firm, and the financial report of the previous period for applying for the second-limit housing loan; Rectify the original unreasonable occupation of secondary housing loans; List of collateral and pledge, two sets of mortgage and pledge certificates approved by the authorized disposition, and two sets of relevant certificates that the mortgage guarantor intends to agree to guarantee; Two price housing project proposal and feasibility report; Other relevant information that the bank considers necessary for handling Fannie and Freddie loans.

2. Credit rating evaluation of Fannie and Freddie loans. The bank evaluates the credit rating of the lender with two limited houses.

3. Investigation on Fannie and Freddie loans. The bank investigates the legality, safety and profitability of the lenders with two limited houses.

4, the second limited housing loan approval. Banks should examine and approve Fannie and Freddie loans in accordance with the Fannie and Freddie loan management system of separation of examination and loan and grading examination and approval.

5. Sign two loan contracts for price-limited houses. The bank signed a loan contract with the lender for two houses.

6. Lending loans for two houses. According to the agreement of Fannie and Freddie loan contract, the bank will issue Fannie and Freddie loans on schedule.

7. Check after Fannie and Freddie loans. The bank conducted a follow-up investigation and inspection on the performance of the loan contract and the operation of the lender with two limited houses.

8. Repayment of two restricted houses. When the two-room loan expires, the two-room lender will repay the principal and interest of the two-room loan in full and on time. If it wants to extend the loan, it should apply to the bank for extending the loan before the maturity date of the loan. It is up to the bank to decide whether to extend the loan.