Can affordable housing be changed hands?

Affordable housing can be changed hands. This type of housing is different from commercial housing whose price is completely determined by the market. Low-rent housing and policy rental housing can only live but not sell. If the affordable housing is listed and traded, certain conditions need to be met: 5 years after obtaining the property right certificate, the government will give priority to repurchase it. If the government cannot repurchase it, it needs to pay the preferential land transfer fee at that time before listing.

Affordable housing mortgage loan

Affordable housing mortgage loan refers to the loan issued by the bank to individuals for the purchase of primary affordable housing or primary price-limited commercial housing after obtaining the effective guarantee recognized by the bank.

1, and the loan object refers to the age of 8-65 years old; China citizens with full capacity for civil conduct (but attention should be paid to excluding Hong Kong, Macao and Taiwan residents); Moreover, it must meet the application conditions for purchasing affordable housing and price-limited commercial housing stipulated by the state and local governments.

2. Information that the borrower of the loan needs to provide: legal and valid identity documents; Have a proper occupation and a stable source of income, and have sufficient ability to repay the principal and interest; Good credit record and no bad social record; Having a real trading background that meets the requirements of the Bank;

3. The proportion of housing loans with high loan amount is 70% of the price of the purchased property. Of course, your loan term generally does not exceed 20 years (inclusive), and then does not exceed 30 years (inclusive); In addition, the maturity date of your loan shall not exceed the maturity date of the land use right of the real estate; The sum of the borrower's age and the loan term is generally not more than 65 years old (inclusive) and the length is not more than 70 years old (inclusive). In accordance with the relevant regulations promulgated by the People's Bank of China, the benchmark interest rate of the same period and grade announced by the People's Bank of China will float within the prescribed range.

4. The repayment method is equal principal and interest; Average capital; Repay the principal and interest on a monthly basis, and repay the principal at one time, only for loans with a term of 1 year (inclusive).

Application process of affordable housing

1, affordable housing is allocated by waiting, and the waiting order and housing allocation order are determined by lottery, lottery or other fair and just ways. Without the relevant procedures, the distribution object and the waiting order shall not be changed without authorization.

2. Families applying for affordable housing should recommend 1 members with full capacity for civil conduct as applicants to apply to the community where their household registration is located. If the applicant is a foreigner, the employer or I shall apply to the local community.

3, the community should promptly accept the application materials, and will meet the requirements of the application materials submitted to the street office (town people's government), at the same time in the community publicity list of applicants.

4. The housing and urban-rural construction departments of cities and counties shall approve the publicity without objection. The examination and approval results will be publicized in the applicant's domicile, residence or work unit 15 days, and on local TV, newspapers, government websites and other media.