Limited-price housing can be loaned. Price-limited housing is only a means for local governments to regulate the housing market, which limits the maximum selling price of the real estate, and its purchase can be loaned as normal as ordinary real estate. Property buyers can choose provident fund loans or commercial loans according to their own conditions, but the specific loan methods and loan interest rates are determined by developers and cooperative banks, and some properties do not support provident fund loans.

Matters needing attention in buying a house by loan

1. Prepare enough down payment.

According to the current housing loan regulations, the minimum down payment ratio for purchasing the first house property is 20%, and the minimum down payment ratio for purchasing the second house and above is 40%. In addition, some people need to prepare more funds because the loan amount is relatively low.

2. The loan method should be selected.

At present, housing loans mainly include housing provident fund loans, personal housing commercial loans and private lending. Housing provident fund is a welfare loan for employees, and the loan interest rate is much lower than that of commercial loans, so it is also the first choice for ordinary property buyers. Personal housing commercial loans need asset mortgage or pledge, of course, some units or individuals are willing to guarantee.

3. Prepare loan information in advance.

Whether you choose provident fund loans or personal commercial housing loans, the materials you need to prepare are almost all the original and photocopy of your personal ID card, the original and photocopy of your household registration book, proof of academic qualifications, proof of income, recent bank flow, copies of purchase contracts and down payment invoices, social security-related certificates, credit records and so on.

4. Provide true information

When you provide the bank with the information of the house loan, you must provide the real information, otherwise it will bring bad consequences. It is not easy to pass the bank audit, and the loan is not enough to buy a house. What's more, if the loan is not enough, it will violate the contract with the developer and pay a high contract penalty.

5. Choose the repayment method and term that suits you.

There are generally two repayment methods for bank mortgage loans. One is the repayment method of equal principal and interest, and the repayment amount is the same every month. This method is more suitable for institutions, enterprises and institutions with stable jobs. The other is average capital's repayment method. The early repayment amount is relatively large, and then it decreases month by month. This repayment method is more suitable for people with strong repayment ability and a certain economic foundation.