Can Beijing's affordable housing be loaned?
Affordable housing can apply for housing mortgage loan after 5 years. At present, there are new changes in banking policies, and many banks can't do it with affordable housing. At the same time, natural persons with full capacity for civil conduct have good credit, stable income and the ability to repay the principal and interest of loans on time. I hope it helps you.
Application process and application standard of affordable housing in Beijing
Supply target:
With the city's urban household registration time of 3 years, at least 18 years old; Single family applicants must be at least 30 years old; The per capita housing area, household income and assets of the applicant family meet the standards set by the government.
Application criteria:
1. 1 family members, with an annual income of 22,700 yuan or less; Per capita housing area10m2 and below; The net value of family total assets is 240,000 yuan or less;
2.2 Family members with an income of 36,300 yuan or less; Per capita housing area10m2 and below; The net value of family total assets is 270,000 yuan or less;
3.3 Family members with an income of 45,300 yuan or less; Per capita housing area10m2 and below; The net value of family total assets is 360,000 yuan or less;
4.4 Family members with an income of 52,900 yuan or less; Per capita housing area10m2 and below; The net value of family total assets is 450,000 yuan or less;
5.5 or more family members, with an annual income of 60,000 yuan or less; Per capita housing area10m2 and below; The net value of family total assets is 480,000 yuan or less.
house
Materials required:
1. The house ownership certificate or house lease certificate of the current residence (check the original and submit a copy); Houseless households shall be certified by their units or neighborhood offices (neighborhood committees) where their accounts are located;
2. Family booklet (check the original and submit a copy);
3 proof of family income (issued by the unit or neighborhood Committee);
4. Resident identity card (check the original and submit a copy);
5. The imported professionals must hold relevant certificates (original inspection and copy).
Priority resettlement target:
Relocated households who participate in the allocation of land for the construction of affordable housing, those who participate in the construction of key projects, and those who participate in the transformation of old cities and the protection of style and features. Family members include elderly people over 60 years old (including 60 years old), severely disabled people, seriously ill people, entitled groups, demobilized soldiers and other families with housing difficulties.
Huxing area:
Adhere to the principles of small and medium-sized units, land conservation and environmental protection, and rationally develop and construct; Affordable housing should be purchased in accordance with the principle of small huxing and meeting basic housing needs.
Listing transactions:
1. Affordable housing can only be occupied by oneself, and it is not allowed to rent, lend or engage in any activities other than living. The purchase of affordable housing for less than 5 years, not listed; If it is really necessary to transfer affordable housing for various reasons, you can apply to the district and county housing security management department where the purchaser's account is located for repurchase, and the repurchase price is determined according to the original price and considering factors such as depreciation and price level;
2. If the purchase of affordable housing has been completed for five years, the land price shall be paid according to a certain proportion of the price difference between ordinary commodity housing and affordable housing in the same lot at that time, and the government will give priority to repurchase; Buyers can also obtain full property rights after the repayment of the government expires.
Application process
Application: the applicant family applies to the neighborhood office or township government where the household registration is located.
Preliminary examination: preliminary examination opinions of sub-district offices or township governments.
Re-examination: the district and county housing security management departments re-examine the job-seeking families and publicize them. If there is no objection, report to the Municipal Housing and Urban-Rural Development Committee.
Filing: The Municipal Housing and Urban-Rural Development Committee shall review the family application materials submitted by the district and county housing security management departments, and if they meet the requirements, the Municipal Housing and Urban-Rural Development Committee shall file them.
Can affordable housing in Beijing be loaned? The affordable housing in Beijing can only be mortgaged after five years, which needs to be implemented and handled in accordance with the local housing mortgage policy. These tips need to be understood in daily life. What are the application procedures and standards for affordable housing in Beijing? I have introduced the specific application process and specific handling methods to you, hoping to help you.