The apartment can be mortgaged.
China's Civil Code stipulates that the following properties that the debtor or a third party has the right to dispose of can be mortgaged:
(a) buildings and other land attachments;
(2) The right to use construction land;
(3) the right to use the sea area;
(4) Production equipment, raw materials, semi-finished products and products;
(5) Buildings, ships and aircraft under construction;
(6) means of transportation;
(seven) other property not prohibited by laws and administrative regulations.
legal ground
Article 395 Scope of Collateral of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.
What is the upper limit of Kunshan provident fund loan?
1. What is the upper limit of Kunshan provident fund loan?
First loan: the maximum amount of family loan is 700,000 yuan; The maximum personal loan is 450,000 yuan. Second loan: the maximum amount of family loan is 500,000 yuan; The maximum personal loan is 300,000 yuan.
If the provident fund loan is used for the first time to purchase ordinary housing with a construction area of less than 90 square meters (inclusive), and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price.
Second, Kunshan provident fund loan conditions
1. Loan applicants and personnel involved in calculating the loanable amount. * * * The same loan applicant has paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the individual housing provident fund account is in a normal payment state at the time of application;
2. No provident fund loan balance;
3. Apply for provident fund loans for the first time or for the second time;
4. Purchase newly-built ordinary houses within the scope of Suzhou City, and the purchased houses belong to real estate development enterprises, and the real estate filing procedures have been handled according to regulations;
5. The down payment for house purchase shall not be less than the specified proportion;
6. Be able to implement loan guarantee.
Can I get a provident fund loan when I buy Park Hyatt Kunshan serviced apartment for 70 years?
If your conditions meet the policies and conditions of housing provident fund loans, you can apply for provident fund loans.
Can I get a loan for my apartment?
You can get a loan to buy an apartment.
Taking Xi 'an as an example, according to the Notice of Xi People's Government on Printing and Distributing Several Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in Xi 'an, houses with a single building area of less than 1.44 square meters and an actual transaction price less than 1.44 times the average transaction price of houses (including apartments) on the same level of land can enjoy preferential credit and tax policies for ordinary housing.
However, to apply for provident fund loans for "apartment building" projects, the following conditions must be met at the same time: according to the nature of the land, the planned land is residential land, and when applying for personal provident fund loans, the "apartment building" projects with 70-year property rights are accepted according to ordinary residential standards. Apartment projects that do not meet the above conditions cannot use personal housing provident fund loans.
In order to further relax the conditions of provident fund loans, lower the extraction threshold, expand the scope of use, realize loans in different places in the province, implement portfolio loans, reduce the progress requirements of loan application projects, and comprehensively improve the personal loan rate and utilization rate of housing provident fund. The maximum amount of housing provident fund loans is adjusted to 750,000 yuan; The loan repayment period can be extended to 5 years after the statutory retirement age of employees, with a maximum of 30 years.
Extended data:
The difference between ordinary houses and apartments;
The Code for Residential Design and the Code for Residential Building of the Ministry of Housing and Urban-Rural Development clearly state that residential buildings are buildings for families to live in. Apartments are divided into business apartments and public welfare apartments.
Business apartments are divided into residential, mixed and hotel. Public welfare apartments include student apartments and elderly apartments. There is no obvious difference in the nature and ownership of land between residential apartments and ordinary houses.
Residential apartment land belongs to residential land, with a service life of 70 years (50 years in some places); The land category of mixed apartment belongs to the comprehensive land use life of 50 years; The land category of serviced apartments belongs to commercial land, with a service life of 40 years.