The following houses cannot be borrowed either: 1. Small property right house: small property right house only has sales contract, without property right certificate, and the real estate registration unit does not recognize it. Once the development and design of policy commercial land are encountered, financial institutions will face the risk of drawing water with a sieve, so they will immediately stop lending to such houses.
2. Affordable housing that has not been purchased for five years: According to the relevant regulations of affordable housing, property rights can only be transferred after five years of purchase. You can't sell a house within five years, let alone apply for a mortgage loan.
3. Houses with mortgaged property rights: Houses with mortgaged property rights involve property buyers, property buyers, mortgage financial institutions and other parties, which can easily lead to disputes and risk bank loans, so such houses should also be stopped immediately.
4. Some have purchased public houses: most of the purchased public houses have become their own property rights. However, for some houses that have no purchase contract, purchase agreement or cannot provide relevant certification materials for sale, financial institutions refuse loans on the grounds of loan risk because of unclear property rights of such houses.
5. Old City Reconstruction Planning House: Because the archives of the old city reconstruction planning house have been blocked by the housing management department for a long time, it is impossible to apply for mortgage filing, and financial institutions cannot make the next payment.
6. Houses with outstanding loans: The property rights of houses actually in mortgage loan status are transferred to mortgage financial institutions, and the lender only owns the property rights, which can no longer be used for mortgage loans. Only when the merchant repays the loan in advance, settles the mortgage loan and eliminates the mortgage situation can the customer use the loan again.
Five types of houses cannot be settled 1, commercial and residential apartments. In fact, commercial and residential apartments are a very trivial matter. Not only is the property right limited to forty or fifty years, but it cannot be settled. I can't decide, and I certainly don't have a degree. Commercial and residential apartments are just houses built on commercial and residential land. The nature of the house is still commercial, similar to an office building. Therefore, they only apply for registration as office space and cannot move into the household registration. Although the price of commercial and residential apartments is indeed cheaper, we should know that the purpose of buying a house is to settle down and to send future children to school.
2. Houses built illegally. Houses built in violation of regulations are not allowed by the state. Without relevant valid certificates, it is impossible to apply for real estate licenses. How to settle down without a title certificate? If this kind of house does not have all kinds of certificates, once it is found out, it will be forcibly removed. If this kind of house is bought because of greed, the conclusion can only be "being in Cao Ying, being in the Han Dynasty".
3. Lock down the house. If the house sold by the seller involves civil cases or even criminal cases due to similar economic disputes, unclear use rights and other factors, or is sealed up due to economic reasons such as loan interruption, the house sale transaction is meaningless, and there is no way to transfer ownership after purchase, let alone settle down.
4, can not apply for real estate license. Houses that can't apply for real estate licenses, because without real estate licenses, they can't get justice, just like houses built illegally. Of course, there are ways to save this situation. Merchants can sign a gift agreement with the certificate of the right to use in their hands, and then hand over the house until the transfer obstacles are cleared, and immediately press the customers to settle down.
5. Small property houses. There is only one set of certified property right house, which is not necessarily reasonable, has no legal effect, can not be settled, has not been solved, and the relocation money has not been paid.
The difference between the house settled and not settled is 1. After the house is settled, it will be very helpful to move and compensate in the future, and it is also directly related to the development of household registration.
2. After settling down, the house will help children learn to go to school, but many cities have no settled degree rooms and their foreigners are restricted from entering the city to study.