Why can't a single apartment be mortgaged?

1. Why can't a single apartment be mortgaged?

Loan conditions of mortgage loan:

1. has legal status;

2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record;

3. There is a legal and effective purchase contract;

4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

5. If a mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

6. Being able to provide effective guarantee recognized by the loan bank;

7. Other conditions stipulated by the lending bank.

2. Can the apartment be mortgaged?

The apartment can be mortgaged, but before the loan, you should go to the bank to consult the loan-related matters, because each bank has different requirements for loan conditions. After the loan application, the appraisal company will evaluate the house price. After the evaluation report comes out, the loan applicant can go through the loan-related procedures at the bank with relevant materials. 1. What's the difference between an apartment and a house? 1. The apartment is commercial, and the utilities are calculated according to the business. The land use period is 50 years, and it is not allowed to sign an account. Residential water and electricity charges are calculated by civil use, and the land use period is 70 years. 2. The tax and land transfer fee paid by the apartment is higher than that of the residence, so the selling price of the apartment is slightly higher than that of the residence. 3. The common feature of the apartment is that it is located in the central area, and it generally appears as a fully decorated small apartment. Guests are mainly long-term business customers, paying attention to convenient geographical location and quasi-hotel-style living experience, and the rent is also lower than that of hotels. However, there are a few different products, such as Wang Zijing in Shanghai, which are large-sized ultra-luxury products, but the customer base is only high-level long-term business guests living with their families. 4. Functionally, on the basis of ensuring the basic living function, apartments should pay more attention to comfort, functional completeness, service and structural rationality. First of all, the area of single apartment should reach 120 square meters, so as to do better in indoor functional zoning. If the area is too small, it will not reflect the zoning, and the comfort and functionality will be greatly reduced. Moreover, the space area of the apartment is also large. 5. In terms of building quality and building standards, the apartment is basically a slab building with good ventilation and sufficient sunshine, which is not essentially different from other apartments and houses. Ordinary houses are generally family homes, and residents should pay attention to the living environment, greening, schools and other supporting facilities. Because it is a long-term residence, it is also important to care about property fees, utilities and other expenses, and convenient transportation. However, compared with business people, there is still a certain tolerance, allowing new sites to improve related living facilities. 2. What are the advantages of living in an apartment? The common feature of 1. apartment is that it is located in the central area, and its residents are mainly long-term business customers. General apartments are mainly decorated with small apartments. The advantage of the apartment is its convenient location and hotel-style living experience, but the rent is lower than that of the hotel. However, some are more luxurious. 2. In terms of building quality and building standards, apartments are basically slab buildings with good ventilation and sufficient sunshine. In other respects, the difference between an apartment and a house is not obvious.

Third, can second-hand apartments be loaned?

You can get a loan to buy an apartment.

Taking Xi 'an as an example, according to the Notice of Xi 'an 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 (including apartments) with a single building area of less than 144 square meters and an actual transaction price of less than 44 times of the same level can enjoy preferential credit and tax policies for ordinary houses.

However, to apply for provident fund loans for "apartment" projects, the following conditions must be met at the same time: according to the nature of the land, the planned land is residential land for the project, and the application for personal provident fund loans is accepted according to ordinary housing standards. Apartment projects that do not meet the above conditions cannot be done.

In order to further relax the conditions and scope of use of provident fund loans, realize loans in different places in the province, implement portfolio loans, and reduce the progress requirements of loan application projects, the maximum amount of housing provident fund loans will be 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 "Code for Residential Building" of the Ministry of Housing and Urban-Rural Development make it clear 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 between residential type and ordinary residential type.

The land use period of residential apartments is 70 years (50 years in some places); The land category of mixed apartment belongs to comprehensive land use life, and the land category belongs to commercial land, with a service life of 40 years.