Yes, relocated houses, like commercial houses, can be bought and sold normally and can be loaned. However, the relocated house must have a real estate license before it can be listed, traded and loaned. Without the real estate license, it is risky to sign a contract for the relocated house. To apply for a relocated house loan, you need to show the relocated house agreement to prove whether the nature of the relocated house is restricted by the policy. The relocated house also needs five certificates, and only the relocated house certificate cannot be used for loans. The relocated house is the house paid by the developer to the relocated households during land acquisition; The concept of relocated houses originated from the product of China's special policies. In the process of resettlement, monetary compensation is adopted. There is no difference between buying commercial housing with household compensation and buying commercial housing by ordinary people. They all spend money to buy a house, and the identity of the buyers is the same. Under the condition of planned economy, the proposed housing standard is 56 square meters for two bedrooms and 80 square meters for three bedrooms. However, with the development of economy, these regulations have long been inconsistent with the development of the market, so this standard is no longer implemented. Reconstruction of housing, in accordance with the original housing area standards for resettlement. If the construction area of the relocated house is the same as the original construction area, it shall be calculated according to the housing reform in that year, excluding factors such as length of service, adjustment factors and teachers' preferences. If the construction area of the relocated house exceeds the original construction area, but the per capita area does not exceed 15 square meters, the excess part shall be calculated according to the housing reform, without deducting the length of service and other factors. If the construction area of the relocated house exceeds per capita 15 square meter, the excess part shall be purchased at the local affordable housing price. Households with housing difficulties whose per capita construction area is less than 5 square meters shall be resettled according to the standard of per capita construction area of 5 square meters. The relocated houses listed in the second-hand market account for about 10% of the whole second-hand market. These relocated houses are generally divided into two situations: one is that the owner has already held the real estate license; The other is that the owner only holds the relocation agreement. As the first case, that is, the owner has obtained the house ownership certificate of the commodity community.
Second, can the relocated house in Hefei be loaned? -Anhui Lending Network
The location and apartment type are ok. But I don't have much money in my hand. I don't think I can apply for a loan. I want to ask you for money? "
On this issue, the person in charge of Anhui Lending Network introduced that in this case, banks cannot give loans. The reason is that banks can only lend to commercial housing and second-hand housing. What this gentleman wants to buy is the house of the relocated household, and the developer can't sign the Commercial Housing Sales Contract with him. And commercial loans must be "here, no loans."
Depending on the specific situation, you can get a loan with complete documents! Back to the real estate license, only the relocation permit can not be loaned. Whether it is bank loans or private loans, relocation is high.
3. Can I get a loan for the relocated house in Hefei? -Anhui Lending Network
I don't think so
Four, Hefei people have two sets of relocated houses, can they buy a third set of commercial housing by mortgage?
Borrowers who can get mortgage loans must meet the following conditions at the same time: they have legal status; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; There are legal and effective contracts and agreements for the purchase and overhaul of housing and other supporting documents required by the loan bank; Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; Having the assets mortgaged or pledged by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor; Other conditions stipulated by the lending bank.