The specific contents of the three red lines of real estate are: the asset-liability ratio after excluding advance payment is not more than 70%, the net debt ratio is not more than 100%, and the short-term cash debt ratio is not less than 1.
What kind of house can't be bought?
1, no property registration room
Because there is no legal registration, developers know that the possibility of selling without property rights will be relatively small, so the price of such a house will generally be cheaper.
Some people will buy this kind of house at a small price. After buying it, it is not a big problem to say that they live. If they want to trade or mortgage when they need money, there is no way. Because of the incomplete procedures, the first batch could not be approved.
Moreover, it is impossible to pay in installments when buying a house, because it is impossible to borrow money from the bank normally.
2. An old house
Under normal circumstances, a house is only 70 years old. If you originally bought a house that has been used for a long time, then after you have lived in it for a while, the time has passed half, and you want to resell it, so there is almost no possibility of reselling it.
Moreover, the decoration pattern of this old house is also very inconsistent with people's living habits now. The elevator is old, there may be no elevator, and the supporting facilities can't keep up. It is not cost-effective to buy it yourself, so it is difficult to get a bank loan.
3. Houses with property rights disputes
For houses with property rights disputes, it is not only impossible to get bank loans to buy such houses, but also there will be various troubles, such as difficulty in transferring ownership, inability to move, and difficulty in reselling if property rights are unclear.