Bank loan difficulty level ★ ★ ★ ★ ★
Second-hand housing in the transaction is less subject to policy restrictions, so banks are more willing to accept such real estate loans. However, it should be noted that if the borrower has the desire to re-stock and the down payment is insufficient, the first set of housing can be mortgaged to the bank to apply for a loan, but the property rights of the mortgaged property must be available without a loan. In addition, if the real estate in the mortgage is in urgent need of a glove, it is also necessary for the bank to agree to apply for a mortgage.
Bank loan difficulty level ★★★★☆
Policy-protected housing When the loan is processed, the general bank audit will be stricter. At present, the policy of the construction committee for affordable housing is not allowed to trade for less than five years, so the borrower must make sure that the purchased property has been completed for five years. In addition, the newly launched two-limit housing or other similar affordable housing will also have certain restrictions when it is sold. Another new noteworthy is that some properties of special nature cannot be traded directly, such as military housing, school production, production, small property rights, and purchased public housing at standard prices.
purchased public housing
Bank loan difficulty level ★ ★ ★ ☆ ☆
Purchased public housing involved in the transaction involves a lot of restrictions, first of all need to obtain the consent of the original real estate unit, the purchaser can only sell; second, go forward It is necessary to make up the cost price (sales sold at the preferential price or the standard price) in order to be traded. Third, the bank will generally be more strict than the affordable housing when handling such real estate loans, in addition to meeting the basic requirements to obtain real estate license. After that, the property that needs to be loaned is not in the mortgage state, so that the bank can handle the relevant loan procedures for the borrower.