Anjufang can be bought with a loan. However, not all anjufang can borrow money to buy a house. Applying for a loan to buy an Anjufang needs to meet the following conditions: the Anjufang purchased by the borrower is a low-priced commercial house purchased by the demolition company due to real estate demolition, and you can apply for a loan to buy it. The housing purchased by the borrower can be listed and traded, with clear property rights and land certificates owned by the state.

What are the restrictions on housing mortgage?

1, age limit. A natural person who has reached the age of 18 and has full capacity for civil conduct.

2. Due to the differences in real estate appraisal, it is necessary to provide an appraisal report, but the bank will also designate an appraisal agency to re-evaluate the value of the property to be mortgaged. If there is a big difference between the two, it is likely that the bank will refuse the loan because it thinks you are suspected of fraudulent loans.

3. Many people want to get high loans because of personal credit restrictions, such as unstable professional income, bad credit, inability to pay, etc., but you have to have corresponding income to match it. If your personal credit has a bad record, there is also the risk of being refused a loan.

4. Other restrictions stipulated by the bank that do not meet the loan conditions.

(1) The source of ownership is mortgage restriction without the consent of the Municipal Bureau;

(2) According to the urban planning, the municipal government decided to take back the land use right;

(three) the judicial organ or organ ruled or decided to seal up or restrict the real estate rights in other forms according to law;

(4) * * owns real estate without the written consent of other * * * people;

(five) the ownership is controversial;

(6) Laws, regulations or municipal government regulations prohibit mortgage.

What are the requirements for applying for affordable housing?

1. The applicant for house purchase must have Shenzhen household registration; After marriage, both husband and wife have permanent residence in Shenzhen.

2. Single employees who have reached the age of 35 have permanent residence in Shenzhen Special Economic Zone.

3. Spouses of soldiers and martyrs with permanent residence in Shenzhen Special Economic Zone.

4. Children of single-parent families with permanent residence in Shenzhen Special Economic Zone.

5. Other conditions stipulated by government regulations, rules and policies.

6. With one of the above, when applying for affordable housing in Shenzhen, the applicant's husband and wife shall not buy any houses in Shenzhen, and have not built their own private houses or private residential land in Shenzhen; Unsold houses do not receive housing subsidies and so on.

7. If the applicant moves into Shenzhen Special Economic Zone with permanent residence, it shall meet the time stipulated in the application conditions for public sale of Anjufang in Shenzhen at that time. The annual household income of the applicant shall not be higher than the annual household income standard stipulated in the application conditions for public sale of Anjufang in Shenzhen at that time.