My family has a house in Changchun, which is a house transformed from a shanty town. I want to use this house as a loan. ...
You're talking about a mortgage.
Application materials for real estate mortgage loan: (1) real estate license.
(two) the identity card of the obligee and his spouse.
(three) the household registration book of the obligee and his spouse
(4) Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
(5) proof of income
(6) If the owner of the real estate license has minor children, please provide a birth certificate.
(7) If the property has a bank loan, please provide the original loan contract and the latest bank statement.
(8) In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).
Housing mortgage loan conditions: housing mortgage loan requires the service life of the house to be within 20 years; The housing area should be more than 50 square meters; The house should be highly mobile.
Value of real estate mortgage loan: The amount of real estate mortgage loan is 70% of the appraised value of the house.
Loan term of real estate mortgage loan: the longest loan term of new house loan is not more than 30 years, and the second-hand house loan is not more than 20 years.
If you need a loan, recommend the consulting loan service of Easy Loan China-you only need to submit an application online, and Easy Loan China Easy Loan China will review it for you as soon as possible to solve your problem-you only need to fill in your loan demand and your information (you don't need to fill in personal identity information and other privacy), and the financial planner of Easy Loan China will analyze your loan demand and information, then choose a bank suitable for you and get in touch with you at your residence. In this process, you have the right.
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E-loan China loan application process: online application-E-loan China financing consultant contacts the applicant and verifies-submits the application to the bank/microfinance company-the bank/microfinance company contacts the applicant-signs the loan contract. One application business, many financial institutions respond! Generally, the application time for personal loans is 1 to 2 weeks, and the application time for corporate loans is 2 weeks 1 month! Save time for lenders to run to major banks and reduce costs outside loans!
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2. Is FAW 18 a shanty town?
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The transformation of shanty towns is an important measure taken by the municipal party committee and municipal government to speed up the development of Changchun. FAW 13 and 14B, which were built in the 1960s and 1970s, are located at 246 1 household in the old town of FAW. At that time, it was a low-standard building to solve the housing problem of employees. It was a typical shanty town with small per capita living area, incomplete supporting facilities and poor sanitary conditions. For many years, it has been a difficult problem in the construction of FAW Factory, and the municipal party committee and municipal government listed it as the key project of shantytown renovation in the city. Under the careful organization of Changchun Automobile Industry Development Zone, the project adopts the government-led and unified bidding construction mode and is promoted through market-oriented operation. With the cooperation of FAW, after more than two months' efforts, the development zone successfully completed the resettlement of all households.
Tianmao Real Estate Co., Ltd., which undertakes this project, integrates the living environment, functional facilities and automobile culture according to the design concept of American New Urbanism, and enriches the skyline of the automobile city with high-rise buildings. Tmall? The completion of the county town of Berlin will enhance the overall sense of the automobile city and become a scenic spot in the western new area of Changchun.
Third, can the houses transformed from shanty towns be sold?
Housing in shanty towns cannot be bought or sold for five years. The specific reasons are as follows:
1. The housing transformed from shanty towns belongs to the nature of resettlement houses. This kind of housing is not allowed to be bought or sold and cannot be transferred.
2. This kind of house requires the owner to pay the land transfer fee, deed tax and other taxes in the name of the owner after holding it for five years, and handle the real estate license, deed tax certificate and land certificate of the regular commercial house in the name of the original owner. At this time, the housing is a regular commercial house, which can be bought and sold freely.
Extended data:
First, the scale of state compensation for the transformation of state-owned housing shanty towns is as follows:
Monetary compensation: According to Article 17 of the Regulations on Expropriation and Compensation of Houses on State-owned Land, the compensation given to the expropriated person by the people's government at the city or county level that made the decision on house expropriation includes:
(1) Compensation for the value of the expropriated house;
(two) relocation compensation and temporary resettlement caused by the expropriation of houses;
(3) Compensation for losses caused by expropriation of houses.
Second, the shantytown renovation:
20 18 10 8, the State Council executive meeting deployed to promote the transformation of shanty towns and further improve the living conditions of people with housing difficulties. The meeting pointed out that in recent years, various regions and relevant departments have vigorously promoted shed reform, and a total of more than 654.38 billion shanty town residents have "left the shed and entered the building". From June to September, 2065.438+2008, 5.34 million sheds have been rebuilt nationwide, accounting for more than 92% of the annual tasks.
First, according to the new three-year shed reform plan determined in the 20 18 government work report, we will urge all localities to speed up the construction progress, increase the construction of supporting infrastructure, strictly supervise the quality and safety of the project, ensure fair distribution, and ensure that the annual shed reform task is completed on time.
Second, strictly improve the scope and standards of shed reform, and insist on taking the shanty towns in the old city and the shanty towns in state-owned industrial and mining areas, forest areas and reclamation areas as the focus of transformation. Adjust and improve the monetary resettlement policy of shed reform according to local conditions, and cities and counties with insufficient commercial housing inventory and high pressure of rising housing prices should cancel the preferential monetary resettlement policy as soon as possible.
Three, all localities should strictly assess the financial capacity, scientifically determine the task of shed reform in 20 19 years. Maintain the level of central financial subsidies and increase the issuance of special bonds for local shed reform in an orderly manner. Pay close attention to the study and introduction of financial support policies for newly-opened shed reform projects, and it is strictly forbidden to borrow money blindly in the name of shed reform and other illegal acts.
The construction land for shed renovation will be guaranteed in the new land use plan, and more people with housing difficulties will live in new homes as soon as possible through demolition of old buildings, construction of new buildings, renovation and expansion, and renovation.