Two, for more than 5 consecutive years to obtain full property rights of affordable housing, can be purchased through loans. The premise of bank loans mainly depends on the property rights of mortgaged houses, so that even if there are bad debts, banks can handle them better. Therefore, as long as the purchase of affordable housing that has obtained full property rights, buyers who meet the purchase conditions can apply for loans.
Three, affordable housing development loans refer to loans issued by lenders to borrowers for the development and construction of affordable housing projects. Lenders refer to commercial banks and other banking financial institutions established in People's Republic of China (PRC) according to law. The borrower refers to a real estate development enterprise with legal person qualification and real estate development qualification.
Fourth, the premise of bank loans mainly depends on the property rights of mortgaged houses, so that even if there are bad debts, banks can handle them better. Therefore, as long as the purchase of affordable housing that has obtained full property rights, buyers who meet the purchase conditions can apply for loans. Because affordable housing within five years is limited property right, that is, buyers only have "house ownership" and no "land use right".
How much is the down payment for purchasing affordable housing?
1. Affordable housing is a new type of real estate introduced 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-and middle-income families. Affordable housing is an affordable social security housing supported by the government.
Second, for affordable housing projects, the government will waive the land transfer fee, and other fees that should be levied will be halved, and the sales price, purchase target, area and profit of development and construction units will be restricted. At present, the types of affordable housing mainly include affordable housing, affordable housing and housing for the needy.
Third, the down payment of affordable housing varies from place to place, generally between 5% and 30%. Beijing stipulates that relocated households should make a one-time payment when purchasing affordable housing.
4. The interest rate of affordable housing development loans may be appropriately lowered according to the interest rate policy of the People's Bank of China, but the downward rate shall not exceed 10%.