Commercial housing is built by real estate developers, used to sell or rent to the buyer, and there are buyers to pay for the behavior of the house, is generally supportive of home mortgages.
Two, purchased public housing
Purchased public housing is divided into centralized housing and ordinary purchased public housing. Purchased public housing urban workers, according to the state and the people's government at or above the county level in accordance with the cost price, standard price or preferential price of housing. In accordance with the cost of housing purchased at personal ownership of employees, in accordance with the standard price of the purchase of employees have part of the ownership of housing, generally about 5 years to the personal ownership of the employees, generally such housing, the right to personal disposition, the state or the unit has the right of first refusal to buy!
Purchase of public housing in the unit issued a waiver of the right of first refusal, centralized housing in the acquisition of centralized listing procedures, completely owned by the individual, the individual unit will enjoy the right of execution of the house, the buyer will be able to do the house mortgage.
Three, affordable housing
There are two types of affordable housing: one type of affordable housing and two types of affordable housing. A class of affordable housing is usually referred to as the two limited housing, only the date of the book more than 5 years to be listed for trading. The second type of affordable housing, this type of property is mostly demolition and resettlement of housing is usually spoken of back to the house!
A class of affordable housing needs to be five years to trade, the individual has the right to execute on the house. The second type of affordable housing as long as the title deed can be listed for trading, do housing mortgage.
Four, low-cost housing
Low-rent housing, refers to the government in the form of rental subsidies or housing allocation, to meet the urban minimum subsistence standards and housing difficulties in the family's residents to provide social security nature of the housing. The allocation of low-rent housing in the form of rental subsidies, supplemented by rent in kind and rent reduction. The property rights of low-cost housing ultimately belong to the government, and individuals only have the right to live there. The company's website is a great place to find out more about the company's services.
So the eligible house can apply for a mortgage? In fact, it is not, in addition to the property to meet the requirements, the buyer must also meet the bank's other requirements can be:
Applicants aged 18-65 years of age with full capacity for civil behavior of the natural person, a legal proof of identity, a good credit situation and consumer willingness, a stable income and repayment ability, the legitimate use of the loan, in line with the provisions of the housing mortgage, the bank prescribed other conditions.
Personal housing mortgage loan amount is high, low interest rate, fast disbursement, so when there is a need for funds most people will apply for personal housing mortgage loan. But not all houses and all people can handle it, home buyers should clearly understand whether they meet the bank's requirements and whether the title of the house they own or live in is their own