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Why can't housing reform be loaned?
Housing reform can not be loaned because there is no property right certificate. If you have a property right certificate, you can also apply for a loan for housing reform. Usually housing reform is the purchase of public housing, which can also be called unit housing. It is the welfare policy given by the unit to employees. In other words, the unit sells the original public housing to the employees who use or rent the housing according to certain preferential forms.

What should we pay attention to in housing reform transaction?

1, find out the property right of the reconstructed house.

Housing reform is different from commercial housing, and consumers often have to face "individuals" with diverse situations and unknown information. Before the implementation of the transaction, it is one of the necessary steps to find out the property right of housing reform and distinguish which type of property right is the above property right.

2. Find out the history of the house.

Different from commercial housing, it is difficult to confirm the real life of the house because the land certificate indicates the clear service life of the land. However, consumers can check the housing files in the transaction hall of the Housing Authority according to the real estate license and the relevant documents of the head of the household, so as to determine the actual age of the reconstructed house, and know whether the house has been sealed up or mortgaged through inquiry.

3. Confirm whether the householder enjoys the housing reform policy.

Whether the householder's housing reform policy exceeds the standard will also affect the listing of housing reform. According to national regulations, "junior titles enjoy 80_, intermediate titles enjoy 100_, and senior titles enjoy 120_". In addition, we should also pay attention to whether the price difference should be made up at the cost price when the house is listed for trading.

4. Handle the transfer formalities carefully.

Handling the transaction transfer formalities is the last link in the sale of houses, so it is best to be cautious. It must be noted that the transfer of property rights must be reported to the housing and land management department for completion, and the guarantee or verbal agreement between intermediaries and lawyers is not regarded as the completion of the transaction process.

The difference between housing reform and commercial housing

1. Controlling the price is different: the price of housing reform is controlled by the government, not determined by the market mechanism.

2. Restrictions on sales targets: There are restrictions on sales targets when housing reform houses are sold.

3. Control the area of selling houses: When housing reform sells houses, control the area of buying houses. Generally speaking, according to the regulations, the per capita construction area can be set, which can prevent some people from buying public housing at a low price and selling it at a high price for profit, resulting in unnecessary loss of state-owned assets.

4. Different preferential policies: there are certain preferential policies for purchasing housing reform houses. When employees buy, the price will be preferential on the basis of standard price or cost price, plus proof of seniority, position or title, but there is no preferential policy for commercial housing.