1. Can resettlement houses be bought with a loan? What are the precautions for trading resettlement houses?

Resettlement houses are also sold on the market and are different from commercial houses. Most resettlement houses are sold by resettled residents. The price will be lower than commercial housing, but it has more risks and responsibilities than commercial housing. As housing prices continue to rise, many people are willing to buy resettlement houses after seeing that they are relatively cheap and in good locations. But even if the owner purchases a resettlement house, he cannot pay for it in full. Some people plan to apply for loans. So, can a resettlement house be bought with a loan? In fact, when applying for a loan to buy a resettlement house, you have to judge whether it can be purchased based on the situation. Not all of them can be purchased. Precautions for resettlement housing transactions generally include paying attention to price, paying attention to real estate certificates, etc.

1. Can I buy a resettlement house with a loan? As ordinary citizens, owners can judge whether they can get a loan by purchasing a resettlement house under the following circumstances:

Attributes of the resettlement house: Due to real estate factors, the resettlement company can purchase a mortgage loan for the low-price commercial house purchased by the household. .Whether it has property rights and whether it can be listed and traded: If the property ownership certificate is state-owned, you can apply for a loan. Can I buy a resettlement house with a loan? Resettlement houses that meet the above two requirements can apply for a loan to purchase a house.

2. Precautions for resettlement housing transactions 1. Pay attention to the price. Most resettlement houses have signed a resettlement agreement, but are transferred and sold before the house is delivered. Due to the long lag between the establishment of the settlement agreement and the delivery of the house, there is considerable variation. If prices continue to rise, prices may vary upon delivery. The price eventually intensified the conflict between the two parties and led to litigation.

2. Pay attention to the real estate license. If the land for the resettlement house is state property, you can obtain a real estate license. If the land is pooled, the owner cannot obtain a real estate license. It is legal to buy or sell a settlement house with a real estate license. Without a real estate license, a home buyer will not have a real estate license. Once the owner repents, the buyer's rights are not protected.

Can I buy a resettlement house with a loan? In fact, not all resettlement houses can be purchased with loans. Before purchasing a resettlement house, owners should carefully check the relevant conditions to ensure that the resettlement house purchased does not pose too many risks.

Tubatu provides you with "each decoration quotation, 1-4 local decoration companies, 3 sets of decoration design plans" for free online, as well as decoration avoidance strategies! Click this link: /yezhu/zxbj-cszy.php?to8to_from=seo_zhidao_m_jiare

2. When applying for a loan, make normal and continuous deposits to the housing provident fund for more than one year (inclusive). Employees who open new accounts must make normal and continuous deposits. Housing provident fund for more than six months (inclusive);

3. Actual placement of resettlement housing;

4. Agree to use the full value of the resettlement house purchased with the loan as collateral;

5. Have stable economic income, good personal credit, and sufficient ability to repay the principal and interest of the loan;

6. The borrower and his wife have no outstanding housing provident fund loans.

3. Can I get a loan based on the resettlement housing agreement?

As long as it is your legal property, you can get a mortgage loan. If it's public rental housing or low-rent housing, that won't work, because you only have the right to live in it but not the right to dispose of the mortgage.

4. Can the housing allocation agreement for the resettlement housing be taken to a bank for a mortgage loan?

Hello, generally you only have to apply for the property rights of the house, that is, after the house equity is paid down

Whether you can apply for a mortgage loan after the house equity is paid down depends on whether the lending institution accepts it. As collateral, if the resettlement house is accepted as collateral, it can be used for mortgage loans, but not vice versa. As every other requirement then needs to be performed as per its requirements as well.