Can I still buy commercial housing if I own limited-price housing in Baoding?

Can I still buy commercial housing if I own limited-price housing in Baoding?

Can I still buy commercial housing if I own limited-price housing in Baoding? Can you still buy commercial housing if you buy a house at a low price? Certain conditions need to be met to purchase a house with government price limits. The Baoding Affordable Housing Management Center is responsible for carefully checking the housing status of the applying family members to ensure that the applying family is a family with housing difficulties. Can I still buy commercial housing with limited-price housing in Baoding?

Can I still buy commercial housing with limited-price housing in Baoding? 1

Within 5 years from the date of online signing and filing of the purchase contract, limited-price commercial housing shall not be listed for trading or other housing may be purchased. . Once the online visa has been registered for 5 years, you can purchase other housing. If the online signing has been registered for five years and the "Real Estate Certificate" has been obtained for listing and trading, it shall be handled in accordance with the relevant regulations on ordinary commercial housing transactions. If the online signing has been registered for less than 5 years and it is really necessary to transfer due to special reasons, with the approval of the municipal housing security department, the property can be repurchased based on the original purchase price and taking into account depreciation, price levels and other factors, and continue to be used as limited-price commercial housing.

Pricing principles for price-limited housing

1. As an effective means for the government to regulate the real estate market and adjust the contradiction between housing supply and demand within a certain period of time, limited-price housing is a wholly state-owned enterprise established by the government. The company is responsible for the construction.

2. The sales price is set by the government, and the pricing principle is 20%-25% lower than that of similar commercial housing in the surrounding area. The sales price will be announced to the public at the time of pre-sale, and the announced price should be the highest price for the limited-price housing project. The purchase of a limited-price house must be completed five years after the purchase contract is filed before it can be listed for trading.

Prevention of policy loopholes and remedial measures

(1) Strictly check the condition of the property. The Baoding Municipal Affordable Housing Management Center is responsible for the review and allocation of applications for affordable housing in central urban areas. At the same time, the housing status of the applying family members will be carefully checked to ensure that the applying family is a family with housing difficulties. Regularly review the insured families and implement dynamic management.

(2) Handling of false declarations. If the party concerned intentionally conceals, falsely reports or falsifies relevant information, or uses bribery or other improper means to defraud urban housing security, the municipal affordable housing management center will order the return of affordable housing, and unqualified applicants will no longer be accepted for life. Housing security application: For qualified applicants, their urban housing security application will not be accepted within 5 years from the date of order to return.

At the same time, the behavior of the parties concerned will be recorded in the Hebei Province Digital Housing Security Information Management System, announced to the public, and relevant behaviors will be reported to the communities and units where the parties are located.

(3) Handling of providing false materials. If relevant units and individuals issue false certification materials for housing security applicants or their family members, the Municipal Affordable Housing Management Center will publicize it on the government (or housing security management department) website; if they are state workers, they will be punished in accordance with the law; constitute Anyone who commits a crime shall be held criminally responsible in accordance with the law.

Can I still buy commercial housing if I have a limited-price house in Baoding? 2

You cannot purchase a government-limited house in another place, but you need to meet certain conditions before you can apply.

Application conditions

(1) Persons with household registration in the central urban area; those who have obtained a residence permit in the main urban area or have continuously paid social security in the main urban area in the past 6 months on the date of application. District) household registration persons; non-Baoding household registration persons such as college graduates under 35 years old and skilled talents who have obtained a residence permit in the main urban area or have paid social security in the main urban area in the previous month on the date of application.

(2) The per capita annual disposable income of the applicant's family does not exceed twice the per capita disposable income of urban residents in Baoding City in the previous year.

(3) The applicant’s family members do not have any form of land for residential construction or own houses in the main urban area and the place of household registration, or although they have own houses, the building area of ??the house is less than 50 square meters and the per capita building area is less than 50 square meters. The building area is less than 15 square meters (a one-person household is less than 30 square meters).

(4) At the time of application, family members do not enjoy housing security in the main urban area or the place of household registration.

(5) Other conditions specified by the housing security department.

Relevant information that needs to be submitted

Applicants need to submit the following information when applying to purchase limited-price commercial housing:

(1) Application for limited-price commercial housing in the main urban area of ??Baoding City Form;

(2) Original and photocopy of ID card and household register of the applicant and his family members. If the family member dies and the cancellation information is not reflected in the household register, a death certificate is also required;

(3) Proof of marital status of the applicant and his family members (marriage certificate, divorce certificate, court judgment document, etc.);

(4) Proof of marital status issued by the applicant and his family members’ work units Proof of income. If the applicant and his family members do not have an employer, they shall declare in good faith;

(5) Baoding City Housing Security Integrity Commitment Letter;

(6) Regulations of the Housing Security Department of other materials.

Can I still buy commercial housing if I own a limited-price house in Baoding? 3

You can get a loan for a limited-price house. The limited-price house is just a means for the local government to regulate the housing market and is restricted for real estate. The maximum selling price can be purchased with normal loans just like ordinary real estate. Home buyers can choose provident fund loans or commercial loans according to their own circumstances, but the specific loan methods and loan interest rates are determined by the developer and the cooperative bank. Some properties do not support provident fund loans.

Things to note when buying a house with a loan

1. Prepare enough down payment

According to the current housing loan regulations, the minimum down payment ratio for buying a first property is 20 %, and the minimum down payment ratio for purchasing a second property and above is 40%. In addition, some people have lower loan amounts and need to prepare more funds.

2. Choose the right loan method

Housing loan methods currently mainly include housing provident fund loans, personal housing commercial loans, private loans, etc. The housing provident fund is a welfare loan for working employees. The loan interest rate is much lower than that of commercial loans, so it is also the first choice for ordinary home buyers. Personal housing commercial loans require assets to be mortgaged or pledged. Of course, an organization or individual is willing to guarantee it.

3. Prepare loan information in advance

Whether you choose a provident fund loan or a personal commercial housing loan, the information you need to prepare is almost all the original and copy of your personal ID card, family Original and copy of household registration booklet, academic certificate, income certificate and recent bank statement, copy of house purchase contract and down payment invoice, social security related certificates, credit record, etc.

4. Provide true information

When providing home purchase loan information to the bank, you must provide true information, otherwise it will bring adverse consequences. It may range from failing to pass the bank review and not being able to get a loan to buy a house. At worst, if the loan cannot be paid, it will cause a breach of contract with the developer and require the payment of high contract penalties.

5. Choose the repayment method and term that suits you

There are generally two repayment methods for bank mortgage loans. One is the equal principal and interest repayment method, with monthly repayments. The amount is the same. This method is more suitable for groups with stable jobs in government agencies, enterprises and institutions. The other is the equal principal repayment method. The initial repayment amount is relatively large and then decreases month by month. This repayment method is more suitable for people with strong repayment ability and a certain financial foundation. Should I buy a house with limited price in Baoding City with full payment or a loan?

Restricted price house in Baoding City. You can pay in full or you can get a loan to buy a house. There are no special restrictions. You can choose full payment or loan. What is Nanchang’s price-limited housing policy in 2018?

1. Nanchang’s price-limited housing policy in 2018

The price-limited housing policy launched in Nanchang in 2018 is mainly reflected in 1. The price of a limited-price house should be lower than the average price of houses in the area. 2. Developers selling limited-price houses must not bundle fine decoration. 3. Developers cannot refuse provident fund loans to purchase limited-price houses. 4. Price-limited housing will be given priority in sales to adult residents without own housing in the city, adult residents renting public housing, and first-time housing needs groups.

2. Nanchang limited-price housing projects and prices

In 2018, Nanchang mainly plans Zhongjun Yongjing Bay, Zhengrong China Resources Linglong Mansion, Blu-ray Lincoln Park No. 8 and other properties 38-block price-limited housing project.

Namely:

1. Nanchang County

There are 6 price-limited housing projects in Nanchang County. Their sales price limit is 9,000-9,500 yuan/square meter, which is lower than the average price of surrounding properties for sale. 1,000 yuan/square meter lower. For example, the DAJ2017026 land auctioned by R&F Real Estate has a price limit of 9,000 yuan/㎡.

2. High-tech Development Zone

There are 6 price-limited housing projects in the High-tech Development Zone, with the sales price limit at 6,000-13,000 yuan/square meter. For example, the DAFJ2017024 land auctioned by Lianhong Real Estate of Lianfa Group has a price limit of 13,000 yuan/㎡.

3. Qingshan Lake District

There is a limited-price housing project in Qingshan Lake District, with a sales price limit of 13,000 yuan/square meter.

4. Qingyunpu District

There are 8 price-limited housing projects in Qingyunpu District, with the sales price limit at 10,500-10,800 yuan/square meter.

5. Wanli District

There are two price-limited housing projects in Wanli District, with the sales price limit at 7,200 yuan/square meter. For example, for the DAIJ2017027 land auctioned by Farad Investment Company, the price is limited to 7,200 yuan/㎡.

6. Xinjian District

There are 7 price-limited housing projects in Xinjian District, with the sales price limit at 3,000-9,500 yuan/square meter. For example, the DAK2017012 land auctioned by Jize Real Estate has a price limit of 8,300 yuan/㎡.

7. Honggutan District

There are 6 price-limited housing projects in Honggutan District, concentrated in Jiulong Lake New Town, with a sales price limit of about 12,000 yuan/square meter. For example, the DAEJ2016058 land auctioned by Midea Real Estate has a price limit of 12,000 yuan/㎡.

Editor’s summary: The above is an introduction to Nanchang’s limited-price housing policy in 2018. Nanchang’s limited-price housing policy is mainly reflected in the identification of home purchase qualifications and some regulations for developers of limited-price housing projects. I hope the editor can share it. The content can give you some reference. Can a limited-price house be mortgaged?

If you need to apply for a personal consumption loan, the collateral should meet the following conditions:

1. The borrower has legal and complete ownership and is eligible for mortgage as stipulated in the "Security Law" Real estate (including residential and commercial buildings), as well as farmers' housing property rights that comply with the Bank of China's Farmers' Housing Property Rights Mortgage Loan Management Measures, and have not been mortgaged to other creditors (except those that have been mortgaged to the Bank of China according to previous loan contracts, but should be handled by the agency).

2. When applying for a personal consumption loan with a mortgage that is owned by a third party or that is jointly owned by the borrower and the third party, the owner or co-owner of the mortgage must The owner must go to Bank of China to sign all relevant documents in person with his or her valid ID card. If it is owned by shares, the applicant should provide proof of ownership to clarify its share; if it is owned by ***, the applicant should provide written documents in which all other parties have unanimously stated their consent.

3. Commercial buildings used as mortgages must have independent property rights and can be disposed of separately (for specific standards, please consult the local Bank of China branch).

4. If the borrower has multiple mortgages, he or she can apply for one mortgage revolving line together or apply for multiple mortgage revolving lines separately. However, the same mortgage cannot be used for multiple mortgage revolving lines. .

For further information, please contact the local branch of Bank of China.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

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