The specific subscription conditions are as follows:
1. Families whose monthly per capita income is lower than that of 800 yuan or special groups whose monthly per capita income is lower than that of 1300 yuan.
Special groups include: entitled groups, martyrs, demobilized soldiers, disabled people, model workers at or above the district level, and retirees.
2. Households without housing or families with per capita housing construction area below15m2.
3. The urban hukou or non-urban population in Changchun City has been included in Changchun City (the original cultivated land has been requisitioned).
Second, the purchase process
1, get the application form for house purchase.
The purchaser shall go to Changchun Housing Security Center (Yatai Street 165438, opposite Xintiandi Shopping Park) with his ID card and household registration book.
2, the civil affairs department review
Hold the application form and relevant materials to the subdistrict office and district civil affairs department where the account is located to review the subscription conditions.
Step 3 choose a house
After the approval of the civil affairs department, the purchaser chooses the house with the application form, ID card and household registration book.
Step 4 pay the house price
The buyer pays the payment at the designated bank with the deposit slip.
5. Sign a house purchase contract
The purchaser holds the payment voucher and signs the purchase contract.
Step 6 check in
The buyer checks in and gets the key.
Three. terms of payment
One-time payment, provident fund loan and commercial bank loan are all acceptable, as follows:
1, one-time payment
One-time full payment;
2. Provident fund loans
Families who buy affordable housing can apply for personal housing provident fund discount loans, and the discount rate in 2009 was 20%.
Loan amount: The maximum loan amount is not allowed to exceed 70% of the total house price.
Requirements for loan period: female age+loan period shall not exceed 55 years old, and male age+loan period shall not exceed 60 years old.
Loan conditions: units and individuals have paid the provident fund continuously for more than 6 months in the near future, and they have not owed the housing provident fund; In addition to himself, the immediate family members of the same account as the purchaser can also be used as provident fund lenders.
3. Commercial bank loans
Families who buy affordable housing can apply for loans from commercial banks.
Loan amount: The maximum loan amount is not allowed to exceed 50% of the total house price.
Requirements for loan period: female age+loan period shall not exceed 55 years old, and male age+loan period shall not exceed 60 years old.
Related requirements:
If you have a formal job, you need to sign a formal employment contract (an employment contract that must be filed with the Labor Bureau) and pay one of the "three insurances and one gold".
Self-employed, need to have a business license and tax payment certificate for the last three consecutive months.
Four. Relevant regulations
Buyers of affordable housing have limited property rights, and the proportion of property rights between the government and individuals is determined according to the amount of land transfer fees and taxes exempted by the government and the amount of personal investment.
Affordable housing purchased in 2008 and 2009 can be listed and traded three years later. When listed, the government does not collect income. Before obtaining full property rights, it is forbidden to rent and sell affordable housing.