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(Reporter Wang Weiguo) has limited room requisitioners price reflected in mortgage applications was told not to use the loan fund. Yesterday, the Guangzhou City Center Provident Fund said that the purchase price the Housing Provident Fund can use personal loans, only after the city of Canton issued by the Housing limit sales management approach on some issues are not clearly defined, leading to the provident fund loans are difficult to implement. At present, relevant departments are studying the development of complementary approaches, their commitment to
worried about a break for 5 years, real estate deal yesterday?
under the provides that limit room for real estate ownership since the date of registration shall be five years of rental and transfer.
Guangzhou City housing fund management center, deputy director of Li Xiaoli yesterday that if 5 years overdue emergence of personal loans outstanding and led to judicial proceedings, the provident fund management center will not be able to dispose of their houses and when the risk of loans to circumvent . Housing in the price management approach did not who is going to compensate for the loss of their loans to make specific provisions.
the above-mentioned approach also provides that if the limit room buyers to purchase a five-year internal factors, inheritance, gift, analysis of production and other reasons, and once again has a proprietary housing, they should once again in the process of an owner - have property ownership registration of housing prior to an application by the Board国土房管or repurchase arrangements in line with the purchase of other qualified people to buy.
worried about the Second limit room repurchase obligations, who will pay?
It is understood that under normal circumstances, developers and banks in the mortgage, there will be cooperation agreements, such as commitments. Then, limit the repurchase obligations Housing who should pay?
Xiao-Li Li said that the price of a room or commercial in nature, should continue to be made by the developers to buy-back guarantee, once for 5 years off, it should be borne by the developer to buy back the repayment obligation.
worry if house prices fell by three, loss how to do?
provident fund in the city center to the January 16 City Council国土房管letter, also raised the prices down when there is a loan risks. Center City, Provident Fund believes that the disposal of the Housing limit, if housing prices decline in the disposal of income, after deducting the cost of debt can not pay off the loan fund, a provident fund will also face the loss of personal loans is currently the center has not yet deal with such losses way.
address this issue, the City Council国土房管management of intermediary services has been with the City Housing Fund Management Center conducted several rounds of consultations, and has developed a way to limit the Housing sales management of the show the city Government approval.
according to limit the sale of the Housing Process, shaking in the room price bead buyers must be before January 30 to complete the pre-price housing loan approval to the next step. City Council国土房管related intermediary services, management said, is currently being actively seized of the matter,
Chinese version:限价房部分问题未明确 导致公积金dk难执行
本报讯(记者王卫国)日前有限价房申购者反映，在申请房贷时被告知不能使用公积金dk。昨日，广州市公积金中心表示，购买限价房可以使用公积金个人dk，只是此前出台的广州市限价房销售管理办法对一些问题未明确规定，导致公积金dk难以执行。目前相关部门正在研究制订补充办法，他们承诺“保利西子湾的销售不会受到影响”。
担忧一5年内断供，房产咋处理？
根据《广州市限价商品住宅管理办法(试行)》规定，限价房自办理房地产权属登记之日起五年内不得出租和转让。
广州市住房公积金管理中心副主任李晓莉昨日指出，如果在5年内个人房贷出现了逾期未偿还并导致司法程序的话，公积金管理中心将无法处置其房屋以及时规避dk风险。而在限价房的管理办法中并没有对谁来赔偿其的dk损失作出明确规定。
上述办法还规定，如果限价房购房者在五年内因购买、继承、赠与、析产等原因，再次拥有自有产权住房的，就应当在办理再次拥有的自有产权住房权属登记之前，申请由市国土房管局回购或是安排其他符合购房资格的人士购买。
担忧二限价房回购义务，谁承担？
据了解，一般情况下，开发商与银行在按揭合作协议中都会有诸如“如购房者逾期不能偿还按揭dk时，开发商将承担回购保证。”的承诺。那么，限价房的回购义务应该由谁来承担呢？
李晓莉表示，限价房本质上还是一种商品房，仍然应当由开发商来作出回购保证，一旦在5年内断供，则应由开发商承担回购还款义务。“如果是5年后断供，我们则可以按照正常程序，通过拍卖等方式处置其房产。”
担忧三房价若下跌，损失怎么办？
在市公积金中心1月16日给市国土房管局发的函中，还提出了房价下跌时存在的dk风险问题。市公积金中心认为，处置限价房时，若房价下降，处置收入在扣除各项费用后无法还清公积金dk债务，公积金中心也将面临损失，目前该中心个人dk还没有处理这种损失的途径。
针对这个问题，市国土房管局中介服务管理所已经同市住房公积金管理中心进行了多次协商，并且已经制定了限价房销售管理办法的《补充文件》，将呈市政府批复。
按照限价房的销售流程，摇中珠的限价房购房者必须在1月30日之前完成限价房dk的预审批，才能进行下一个步骤。市国土房管局中介服务管理所相关负责人表示，目前正在积极处理此事，“保利西子湾的销售不会受到影响。”
2008-01-23
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