Perhaps most people know that there is a military room, but they don't really know what a military room is. The property right of the military production house belongs to the army, so it is very special from this perspective. Let's take a look at what a military room is and what an army is.
What is a military room?
First, the military production room
Military production room refers to the house. According to Article 8 of the Detailed Rules for the Implementation of the Registration of Property Right Transfer and Housing Condition Change in Urban Garrison Barracks issued by People's Republic of China (PRC) and Guo Ye Company and the Infrastructure Barracks Department of China People's General Logistics Department, the property right of military houses belongs to the headquarters of the Military Commission, but its property right belongs to military products, and its "property right unit" is the General Logistics Department.
Therefore, when we buy a military housing, we don't need to go to the real estate bureau to apply for a real estate license. We only need to transfer the right to use directly, and then pay a transfer fee to get the military production license. Note that this is not a real estate license. As long as there is an army, there must be security.
Second, the characteristics of the construction of military production room
1. In general, its price is relatively higher than that in the same region.
2. The purchase procedure of the military production room is relatively simple, and you only need to pay the money.
3. Because the military production room is not a commodity, there is no need to pay any taxes, so naturally there will be no invoices and receipts.
4. Military production houses are not much different from commercial houses except for their property rights.
Third, the main functions of the military production room
1. Military production room can be registered as an office.
There are also good military production projects, and some are also projects. Specifically, you can look at the blank house. Generally speaking, the blank house is the best way to test the quality.
3. If you simply consider the education of a generation or the property right delivery room.
4. If you need to consider the next generation's schooling or property rights, and if you want more protection, you can consider buying a commercial house.
5. Problems that are not accepted due to disputes outside the general military production room will be accepted.
Does the military production room have a real estate license?
As mentioned above, there is no title certificate for the military production house, and the military production certificate will be issued, but the property will also be rented. There are two problems without real estate license. First, banks and provident fund management centers generally do not provide loans. Another problem is the difficulty of settlement. Therefore, the purchase of military housing can only be paid in one lump sum, and loans cannot be applied for.
The meaning of "military production room" is so much. I believe you can find a satisfactory answer through the above detailed introduction.
Second, how to mortgage the housing for military production?
Loan conditions of mortgage loan:
Have a legal status;
Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;
There is a legal and effective purchase contract;
If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
Being able to provide effective guarantee recognized by the loan bank;
Other conditions stipulated by the lending bank.
Housing mortgage loans can be loaned to 69 years old according to age.
Real estate mortgage loan process:
The borrower opens a current deposit account in the bank;
Information required for preparing loans;
Face to face bank;
Bank filing and approval;
After approval by the bank, the bank will notify the borrower of the approval result and sign a loan contract with the borrower;
Go to the Construction Committee for mortgage registration;
Construction Committee issued his right certificate;
Handle insurance, notarization and other formalities as appropriate;
The bank directly transfers the loan to the account agreed in the contract;
The borrower shall repay the loan principal and interest according to the provisions of the loan contract.
Third, can the military production room be loaned? How to apply for a loan in the military production room?
Military housing generally refers to the housing of the army. We know that the property right of military housing always belongs to the army, not to individuals. So in this case, if we have any relevant regulations when buying a military housing, can we apply for a loan? Let's introduce the Qingdao military production room. Can we get a loan? How to apply for a loan in Qingdao military production room?
Military residence generally refers to the housing of the army. We know that the property right of military residence always belongs to the army, not to individuals. So in this case, if we have any relevant regulations when buying a military housing, can we apply for a loan? Let's introduce the Qingdao military production room. Can we get a loan? How to apply for a loan in Qingdao military production room?
Can Qingdao military production room get a loan?
As we know, the military production house refers to the house that the army enjoys the ownership of the house (that is, the property right). According to Article 8 of the Detailed Rules for the Implementation of the Registration of Property Right Transfer and Housing Condition Change in Urban Garrison Barracks issued by the Real Estate Department of the Ministry of Construction of China and the Construction Barracks Department of China People's Logistics Headquarters, the ownership of military houses belongs to the Military Commission and the headquarters, and the "property right unit" is filled in the logistics department.
1, related property rights issues. The nature of the military production room exists as the barracks of the army, and its property right belongs to the Military Commission, which is determined by the nature of the military production room. In other words, the nature of the military production room determines that it is impossible for him to let the property rights belong to individuals. No matter what kind of property right certificate the army sends you, no matter how to explain that the property right of the house belongs to you personally, there is no legal support. The reason is very simple. How can the assets of the army be transferred to your personal name?
2. Related transaction issues. I believe most of my friends know that military housing can't be mortgaged, and they can only pay the house price in one lump sum, but few people think about why military housing can't be mortgaged. The essential reason is that the military housing is not an individual property right in law, and the bank will not recognize the mortgage of its "real estate license" at all, and no guarantee institution will mortgage it.
How to apply for a loan in Qingdao military production room?
1. Determine the mortgage service company and loan scheme.
When applying for a loan, the borrower first needs to determine the mortgage service company with the intermediary, and then consult with the mortgage service company to determine the loan plan.
2. Inquire about provident fund (if provident fund loans are needed).
After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term.
3. Sign a house sales contract.
It's about the signing of a house sale contract between the borrower and the lender. Due to the different requirements of the transaction core, the houses in Jiang 'an, Jianghan, Qiaokou and Hongshan need to be transferred to the transaction core in this area after the contract is signed.
4. Prepare loan information and review loan eligibility.
The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit.
5. Sign loan agreement, notarization and insurance.
The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees.
6. Handle the house transfer and mortgage procedures.
The borrower goes to the transaction center in the area where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.
7. Apply for real estate license and mortgage certificate.
After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your real estate license and the original of other rights certificates to the bank.
8. Waiting for a bank loan
After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.
The above is about whether Qingdao military production room can get a loan. You should know something about how to apply for a loan for a military production house in Qingdao. We can also apply for a loan to buy military housing. As long as we follow the relevant procedures, I hope we can help you.
4. Can Dalian Military Production Room get a loan?
China Merchants Bank accepts commodity housing/commercial housing with clear products and strong liquidity as collateral, and requires that the property right certificate has been completed, it can be listed and circulated, and the mortgage registration is handled according to law, and there are no adverse liquidation situations such as property rights disputes. Please ask for details.