Can I buy a commercial house in a price-limited house under Baoding's name?
Can I buy a commercial house in a price-limited house under Baoding's name? Buying a government-limited house needs to meet certain conditions. Baoding affordable housing management center is responsible for carefully checking the housing situation of family members, and ensuring that the families applying for housing are families with housing difficulties. Can I buy a commercial house in a price-limited house under Baoding's name?
Can I buy a commercial house in Baoding 1
Price-limited commercial housing shall not be listed and traded, and other housing shall not be purchased within 5 years from the date of online filing of the purchase contract. You can buy other houses after 5 years of online signing. If the online signing has been filed for 5 years and the certificate of immovable property rights has been listed and traded, it shall be handled in accordance with the relevant provisions on ordinary commercial housing transactions. If the online signing has been filed for less than 5 years and needs to be transferred due to special reasons, it will be repurchased according to the original purchase price and considering factors such as depreciation and price level with the approval of the municipal housing security department, and will continue to be used as a price-limited commercial house.
Pricing principle of price-limited housing
1. Limited-price housing, as an effective means for the government to regulate the real estate market and adjust the contradiction between housing supply and demand in a certain period of time, is built by a wholly state-owned company established by the government.
2. The sales price is set by the government, and the pricing principle is determined to be 20%-25% lower than that of similar commercial houses around. The sales price shall be announced to the public at the time of pre-sale, and the published price is the highest price of the price-limited house. The purchase of price-limited houses shall be listed and traded after the purchase contract has been filed for 5 years.
Prevention of policy loopholes and remedial measures
(1) Strictly check the real estate situation. Baoding affordable housing management center is responsible for the application, review and distribution of affordable housing in downtown areas. At the same time, carefully check the housing situation of the applicant's family members to ensure that the applicant is a family with housing difficulties. Regularly review and protect families and implement dynamic management.
(2) Handling of false declaration. If the parties intentionally conceal, falsely report or forge relevant information, or take bribes and other improper means to defraud the urban housing security, the municipal affordable housing management center shall order them to return the affordable housing, and the unqualified applicants will no longer accept their applications for urban housing security for life; For eligible applicants, the application for urban housing security will not be accepted within 5 years from the date of being ordered to return.
At the same time, the behavior of the parties will be recorded in the Hebei Digital Housing Security Information Management System, announced to the public, and the relevant behaviors will be copied to the communities and units where the parties are located.
(3) Handling of providing false materials. The relevant units and individuals for housing security applicants or their family members issued false proof materials, by the municipal affordable housing management center in the government (or housing security management department) website to be publicized; Those who belong to national staff shall be punished according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.
Can I buy a commercial house in a price-limited house under Baoding's name?
You can't buy government price-limited houses in different places, and you need to meet certain conditions before you can apply.
Application conditions
(1) Household registration personnel in central cities; Other county (city, district) household registration personnel who have paid social security in the main city for nearly 6 months from the date of obtaining residence permit or applying for the main city; College graduates under the age of 35 and other non-Baoding household registration personnel, as well as skilled personnel who have obtained residence permits in the main city or continuously paid social security 1 month in the main city on the date of application.
(two) the per capita annual disposable income of the applicant's family does not exceed 2 times the per capita disposable income of urban residents in Baoding in the previous year.
(3) The applicant's family members do not have any form of residential construction land or self-owned houses in the main urban area and the domicile, or although they have their own houses, the housing construction area is less than 50 square meters and the per capita construction area is less than 15 square meters (one household is less than 30 square meters).
(four) at the time of application, family members did not enjoy housing security in the main city and residence.
(five) other conditions stipulated by the housing security department.
Relevant information to be submitted
The applicant shall submit the following materials when applying for the purchase of price-limited commercial housing:
(a) the application form for price-limited commercial housing in the main city of Baoding;
(two) the applicant and his family members' identity cards, the original and photocopy of the household registration book, and the death certificate is required if the family member dies and the household registration book does not reflect the cancellation information;
(3) proof of the marital status of the applicant and his family members (marriage certificate, divorce certificate, court judgment document, etc.). );
(4) proof of income issued by the applicant and his family members' work units. If the applicant and his family members have no work unit, they shall declare in good faith;
(five) Baoding city housing security commitment;
(six) other materials stipulated by the housing security department.
Can I buy a commercial house in a price-limited house under Baoding's name?
Limited-price housing can be loaned. Price-limited housing is only a means for local governments to regulate the housing market, which limits the highest selling price of the property, and its purchase can be loaned as normal as ordinary property. Property buyers can choose provident fund loans or commercial loans according to their own conditions, but the specific loan methods and loan interest rates are determined by developers and cooperative banks, and some properties do not support provident fund loans.
Matters needing attention in buying a house by loan
1. Prepare enough down payment.
According to the current housing loan regulations, the minimum down payment ratio for purchasing the first house property is 20%, and the minimum down payment ratio for purchasing the second house and above is 40%. In addition, some people need to prepare more funds because the loan amount is relatively low.
2. The loan method should be selected.
At present, housing loans mainly include housing provident fund loans, personal housing commercial loans and private lending. Housing provident fund is a welfare loan for employees, and the loan interest rate is much lower than that of commercial loans, so it is also the first choice for ordinary property buyers. Personal housing commercial loans need asset mortgage or pledge, of course, some units or individuals are willing to guarantee.
3. Prepare loan information in advance.
Whether you choose provident fund loans or personal commercial housing loans, the materials you need to prepare are almost all the original and photocopy of your personal ID card, the original and photocopy of your household registration book, proof of academic qualifications, proof of income, recent bank flow, copies of purchase contracts and down payment invoices, social security-related certificates, credit records and so on.
4. Provide true information
When you provide the bank with the information of the house loan, you must provide the real information, otherwise it will bring bad consequences. It is not easy to pass the bank audit, and the loan is not enough to buy a house. What's more, if the loan is not enough, it will violate the contract with the developer and pay a high contract penalty.
5. Choose the repayment method and term that suits you.
There are generally two repayment methods for bank mortgage loans. One is the repayment method of equal principal and interest, and the repayment amount is the same every month. This method is more suitable for institutions, enterprises and institutions with stable jobs. The other is average capital's repayment method. The early repayment amount is relatively large, and then it decreases month by month. This repayment method is more suitable for people with strong repayment ability and a certain economic foundation.
Baoding city price-limited housing full or loan to buy a house?
Baoding price-limited housing. You can buy a house in full or with a loan. There are no special restrictions. You can choose the full amount, or you can borrow it yourself.
What is the 20 18 Nanchang price-limited housing policy?
I. Nanchang Limited-price Housing Policy 20 18
Nanchang 20 18 issued the policy of price-limited housing, which is mainly reflected in the fact that the price of price-limited housing is lower than the average house price in this lot. 2. Developers selling price-limited houses shall not be bundled with fine decoration. 3. Development cannot refuse to use provident fund loans to purchase price-limited houses. 4. Price-limited houses are preferentially sold to adult residents who have no own houses, adult residents who rent public houses, and just need the first group.
Second, Nanchang price-limited housing project and price
In 20 18, Nanchang mainly planned 38 price-limited housing projects, including Zhong Junyong Jingwan, Zheng Rong Huarun Linglong Mansion and Blu-ray Linkin Park No.8, respectively:
Nanchang county 1
There are six price-limited housing projects in Nanchang county, and the sales price limit is 9000-9500 yuan/flat, which is lower than the average price of the surrounding buildings for sale 1000 yuan/flat. For example, the price of DAJ20 17026 in R&F real estate auction is less than 9000 yuan/m2.
2. High-tech Development Zone
There are 6 price-limited housing projects in High-tech Development Zone, and the sales price limit is 6000- 13000 yuan/flat. For example, the land parcel DAFJ20 17024 auctioned by Lianhong Real Estate of Lianfa Group has a price limit of 13000 yuan/m2.
3. Qingshan Lake District
Limited-price housing project in Qingshan Lake area 1, sales price limit 13000 yuan/flat.
4. qingyunpu district
There are 8 price-limited housing projects in qingyunpu district, with a sales price limit of 10500- 10800 yuan/flat.
5. Wanli District
There are two price-limited housing projects in Wanli District, with a sales price limit of 7200 yuan/flat. For example, Ryder Investment Company's bid for DAIJ20 17027 is limited to 7200 yuan/m2.
6. New District
There are 7 new regional price-limited housing projects, and the sales price limit is 3,000-9,500 yuan/flat. For example, the price limit of DAK20 170 12 in Ji Ze real estate auction is less than 8,300 yuan/m2.
7. Honggutan District
There are 6 price-limited housing projects in Honggutan District, concentrated in Jiulonghu New Town, and the sales price limit is about 12000 yuan/flat. For example, the land plot DAEJ20 16058 auctioned by Midea Real Estate has a price limit of 12000 yuan/m2.
Editor's summary: The above is the introduction of Nanchang price-limited housing policy 20 18. Nanchang's price-limited housing policy is mainly reflected in the qualifications for purchasing houses and some regulations for developers of price-limited housing projects. I hope what Bian Xiao shared can give you some reference.
Can the price-limited room be mortgaged?
If you need to apply for a personal consumption loan, the collateral shall meet the following conditions:
1. The borrower himself has legal and complete ownership, the mortgaged property (including houses and commercial buildings) conforms to the provisions of the Guarantee Law, and the farmers' housing property rights conform to the provisions of the Measures for the Administration of Farmers' Housing Property Rights Mortgage Loans of Bank of China, and have not been mortgaged to other creditors (they have been mortgaged to Bank of China according to previous loan contracts, except those that should be handled by the original agency).
2. When applying for a personal consumption loan with collateral owned by a third party or shared by the borrower and a third party, the owner of the collateral or the same owner must present his valid identity certificate to the Bank of China to sign all relevant documents in person. If there are * * * shares, the applicant shall provide proof of ownership and indicate its share; For those owned by * * * and * * *, the applicant shall provide other written documents unanimously declared by * * *.
3. Commercial houses used as collateral must have independent property rights and can be disposed of separately (please refer to local BOC outlets for specific standards).
4. If the borrower has multiple mortgages, he can apply for one mortgage revolving line or multiple mortgage revolving lines respectively, but multiple mortgage revolving lines cannot use the same mortgage.
Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.