2. Apply for the purchase of two shared property houses, with a down payment of 60%, a loan interest rate increase of 20%, and a loan term of 25 years. Commercial loans are the same as provident funds.
3. Beijing shared property houses support commercial loans, provident fund loans and portfolio loans. If there are loan records all over the country, then buying a shared property house is considered as a second suite, and the combination loan is of little significance. You can choose a pure provident fund loan.
What are the application conditions for shared property houses?
The file 1. determines the implementation subject. The issuing authority of this regulation is Beijing Municipal Construction Committee. According to the relevant provisions of the Legislative Law, this document is a normative document and there is no immunity from judicial review. Under certain circumstances, the court may reject or review the request.
2. This paper makes it clear that the nature of shared property housing is shared by shares.
3. Put forward clear restrictions on applicants, and further clarify the nature of affordable housing for shared property houses. Those who have enjoyed similar affordable housing are not allowed to enjoy or withdraw from the previously enjoyed affordable housing again, which ensures fairness and rationality to a certain extent.
4. If the applicant for the shared property house is a family, it belongs to the family property. Both husband and wife sign a contract with the agency, and one person applies, and the whole family benefits; The deep meaning of this article is that both husband and wife must meet the application conditions.
5. If you apply for the purchase of shared property housing, the purchaser can also apply for housing loans such as provident fund and commercial banks, so the applicant does not need to pay the house price in full, and the shared property owner can use the share of house property rights as collateral according to law.
6. The transfer of the property right of the purchased house is limited, and it is necessary to meet the conditions and apply. The property rights of newly purchased houses are still "shared property rights houses", and the share of property rights remains unchanged. This article greatly restricts the circulation of houses with common property rights, and further guarantees the residential property of houses through policies.
7. Those who apply for shared housing and integrity rules in violation of regulations will face the penalty of deprivation of application qualification within a time limit and register in the personal credit information system.