Traditional Culture Encyclopedia - Hotel reservation - How to buy affordable housing
How to buy affordable housing
First, the application conditions are in line with the targeted sales conditions of affordable housing stipulated by the Municipal Bureau of Land Resources and Housing Management; Before applying for a loan, the housing provident fund should be paid in full for six months; No housing provident fund loan debt; Have full capacity for civil conduct.
Two, self-raised funds need to pay not less than 30% of the total price of the purchased housing.
Three. The longest loan period is 20 years.
4. The guarantee method must be the guarantee approved by the municipal housing provident fund management center and the loan bank, that is, Tianjin Jinfang Real Estate Guarantee Company provides the guarantee for the borrower.
Verb (abbreviation of verb) needs to provide borrower information and borrower ID card; City residence booklet or blue printed residence booklet or temporary residence permit; The borrower's housing provident fund savings card; The branch uses the payer's housing provident fund savings card to print the housing provident fund inquiry form and affix the business seal of the branch; The name stamp of the borrower in block letters; The "Tianjin directional sales of affordable housing sales contract" stamped with the registration seal of the real estate management department; "Special Receipt for Advance Payment of Tianjin Real Estate Development Enterprises" and other materials required by the Municipal Housing Provident Fund Management Center and the loan bank.
6. At the same time, provide the spouse's ID card, spouse's housing provident fund savings card, the housing provident fund inquiry form printed by the branch with the spouse's housing provident fund savings card and stamped with the branch's business seal, the marriage certificate or marriage certificate issued by the civil affairs department, or the household registration book with the borrower, and the commitment letter that the spouse agrees that the borrower applies for a loan with its housing provident fund loan amount.
Seven. Loan process: the information required for the borrower to apply for a loan from the loan bank; The loan bank conducts loan review; The borrower signs a loan contract and related contracts or agreements with the loan bank; Handle the guarantee procedures; Housing provident fund management center to approve loan materials; The borrower goes to the loan bank to handle the transfer formalities.
Eight, the loan bank to apply for personal housing provident fund loans to buy targeted sales of affordable housing workers, should be in the location of the purchase of housing construction bank branch for the relevant loan procedures.
Conditions for applying for affordable housing
1, has a non-agricultural household registration in the central city of this city (within the outer ring road), and the house where he lives was demolished in 2004 1.
2. The annual family income is less than 42,000 yuan.
3. For relocated households with monetary resettlement, the compensation and resettlement fee for bungalow removal is less than 654.38+10,000 yuan, the building is less than/kloc-0.80 million yuan, and there is no housing elsewhere.
Housing price applicable to directional economy
Through government incentives and policy restrictions, the sales price of affordable housing is determined within a suitable range, so that eligible families can afford housing. At present, the city has launched five affordable housing projects with an area of 476,000 square meters and an average selling price of 2,900-3,400 yuan/square meter. This year, the price of new houses will also be controlled in this range, which is 500- 1000 yuan/square meter lower than the average selling price of surrounding commercial houses. .
From 65438+ on February 28th, residents of some affordable housing projects in Tianjin Huayuan Community, such as Li Tianhua, Dongli, Urban Sunshine and Ruijing Kangxinjiayuan, began to move in. This is the first batch of affordable housing in Tianjin. Among them, "Li Tianhua" is the only one of the seven affordable housing projects opened this year.
The reporter saw in the completed "Li Tianhua" that the community was clean and tidy, with lush grass, floor tiles on the ground, blue paint on the exterior walls of residential buildings, plastic steel doors and windows installed on closed balconies and cornices, and anti-theft intercom systems installed in buildings.
Mu, who bought two bedrooms and one living room, told reporters that buying a house here means a good location and convenient transportation, and the average price of 3,390 yuan/square meter is acceptable.
According to the sales staff in Li Tianhua, 847 sets of affordable housing have been sold out from the opening on April 15 to the end of September. The house price here is 500- 1000 yuan lower than the surrounding buildings per square meter. In addition, "Huayuan" itself is a brand, so it is not surprising that the house sold out quickly. Huayuan is a rapidly maturing residential community in Tianjin in recent years, located in the southwest corner of Tianjin. The residential area has reasonable apartment design, good environment, high humanistic quality, convenient transportation and complete living facilities, which is quite attractive in Tianjin real estate market. )
The reporter saw at the scene of the completed "Li Tianhua" that the community was clean and tidy, with lush green grass. Leisure kiosks in the community can be used for residents to rest.
In addition to "Li Tianhua", the "Hejing Home" located at Zhongshan Gate in Hedong District is also favored. This is the latest affordable housing project in the city center that opened this year. The property consists of 8 high-rise buildings with nearly 1200 sets of affordable housing. Since the opening of the three buildings on February 8, 65438, 230 sets have been sold by February 27.
The reporter saw at the sales site that residents are most concerned about the geographical location of the community, the supporting facilities of the community and surrounding areas, the price, orientation and room type of the house. "Hejing Jiayuan" is located next to Dongxing overpass, with convenient transportation. It takes only 20 minutes to walk to Zhongshan Gate Station of light rail. In addition, the health and education resources of the Third Hospital and the 45th Middle School, which are key middle schools in the nearby city, have also improved the overall value of the property. Therefore, many property buyers are satisfied with the location here.
According to the salesperson of Hejing Jiayuan, considering the affordability of low-and middle-income people, according to relevant regulations, the highest price of the property is controlled within 3,882 yuan/square meter. At the same time, the purchase of affordable housing can also choose a loan that does not exceed 70%. Many consumers, considering the uncertain factors in future decoration and life, have more or less chosen to buy a house with loans.
The reporter learned that the hotel-style apartment "Sixth Avenue" (non-affordable housing), which is only a few hundred meters away from "Hejing Jiayuan", is currently on sale. The project is also a high-rise structure dominated by small and medium-sized units, but its average sales price is 6400 yuan/square meter.
Insiders pointed out that affordable housing is a commercial housing with welfare nature. "Economy" means that the house price is moderate relative to the market price and can adapt to the affordability of low-and middle-income families. "Applicability" refers to emphasizing the use effect rather than lowering the standard in the design and construction of houses.
Inventory of affordable housing: convenient transportation and complete facilities.
According to the relevant person in charge of Tianjin Land and Housing Management Department, affordable housing is a housing built by the municipal party committee and the municipal government to speed up the solution of the housing problem of low-income residents, and it is a social security housing supported by the government. The affordable housing started in Tianjin is mainly near the main roads of the city, with convenient transportation and complete facilities. So far, there are 7 sets of affordable housing in Tianjin, covering an area of 730,000 square meters. The average price per square meter of these affordable housing is about 2,900 to 3,400 yuan, which is 500 to 1 10,000 yuan lower than the surrounding commercial housing.
In order to let more families with demolition difficulties enjoy the preferential housing provided by the government, Tianjin began to build 6.5438+0.63 million square meters of affordable housing in 2005, exceeding 6.5438+0.9 million sets. These affordable housing projects are located in Hebei District, Hedong District and Hongqiao District.
Building affordable housing: low cost and high level
According to the Measures for the Administration of Affordable Housing jointly promulgated by the Ministry of Construction, the National Development and Reform Commission and the Ministry of Land and Resources and the relevant regulations of Tianjin, the price of affordable housing in Tianjin is guided by the government, and the profit of developers does not exceed 3%.
The reporter found a "coincidence" in the interview: most of the development contractors of affordable housing in this city are state-owned enterprises. In this regard, Li Zhizong, manager of the "Rachel Home" development and construction project department of Tianjin Ruijing Community, said that 3% meager profit is basically unprofitable for developers. Because according to the requirements, the construction standard of affordable housing is basically the same as that of commercial housing. Its main structure and supporting facilities are all built in accordance with commercial housing. Affected by the price of building materials and other factors, developers may not be profitable in the construction process. This can be described as low cost and high level. Therefore, most private enterprises are reluctant to build affordable housing.
The reporter learned from Tianjin Land and Housing Management Department that the city's affordable housing was built through bidding in strict accordance with the "four belts" conditions. In other words, when bidding for construction, developers must "bring" the formulated planning conditions and apartment standards, start and completion time, sales target, average sales price and highest price.
Selling affordable housing: strict management, put an end to fraudulent purchase
According to the relevant person in charge of Tianjin Land and Housing Management Department, in order to ensure the targeted sale of affordable housing to eligible residents, Tianjin Land and Housing Management Department strictly controls sellers and buyers to prevent fraudulent purchases.
The sales process is strictly controlled by three levels: First, the qualification examination is strictly controlled. The Housing Authority of each district shall issue the "Certificate of Purchase" in strict accordance with the acceptance conditions, and accept the spot check and inspection by the higher authorities at any time; Second, the development unit strictly controls sales. The sales unit is responsible for checking the purchase voucher. If the names marked on the purchaser's purchase voucher are inconsistent, the sales unit refuses to sell to it; If the name is the same, after signing the contract, the proof of purchase should be recovered for future reference. Regular inspection by the competent department, and timely punishment when problems are found; The third is to strictly control the certification of property rights. Property buyers in the registration of ownership, the registration department and online sales details to check, check, can be handled.
At the same time, if the family income and housing conditions are concealed, or the affordable housing is defrauded by other means, the Tianjin Municipal Bureau of Land and Housing Management will, jointly with the Municipal Construction Committee and the Municipal Price Bureau, take back the purchased affordable housing, or require the purchaser to make up the house payment at the market price, and draw administrative sanctions from its subordinate units. For those who refuse to vacate the house or pay the house price, the sales management department of affordable housing may apply to the people's court for compulsory execution.
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