Can affordable housing be loaned?
1, it is understood that the purchase of affordable housing can be loaned. However, due to the limited property rights of affordable housing within five years, it can only be listed and traded after five years, that is, buyers only have "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 for five years.
2, and for more than 5 years of affordable housing, after obtaining full property rights, can be purchased by loan. 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.
3. 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.
4, 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 affordable housing?
1. Affordable housing is a new type of real estate introduced by the government in the process of housing reform in China, which is suitable for low-and middle-income families and has the nature of social security. 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 levied will be reduced by 50%, limiting the sales price, purchase object, area and profit of development and construction units. At present, the types of affordable housing mainly include affordable housing, affordable housing and housing for the needy.
3. 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 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%.
Can affordable housing be loaned? When applying for affordable housing, you can ask the local housing management department. If you can get a loan, you can go through the corresponding procedures. Not everyone can apply for affordable housing. If it meets the application conditions, it is necessary to prepare materials and actively apply, so as to buy a suitable house to live in. Each city has different application requirements for affordable housing, and the application conditions for affordable housing in big cities are often more demanding.