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深圳军产房抵押贷款流程哪位能说一下？

深圳军产房抵押贷款流程哪位能说一下？

浏览：81次 | 提问时间： 07-21 09:04

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深爱你 07-21 09:05

三、军产房买卖
1、军产房是否可以购买或者交易？风险在哪？如何避免？【摘抄】根据我国房地一体原则，军产房的土地性质属于划拨用地，而根据我国土地管理法和城市房地产经营管理条例来看，军产房，实际有别于商品房或者商业地产，其交易虽可以，但是受到一定的限制。早些年，深圳军产房交易是潜水状态，主要是普通个人购买军产房，甚至有人就此希望律师做交易见证，本人也曾被邀请委托处理该类事情，当然，这个属于律师见证受限的类型，因此本人就此简单解释一下，为何军产房交易受限？如上文所述，军产房的土地性质为划拨用地，也就是说，土地是国家根据土地管理法无偿提供给军队使用的，而商品房的土地属于出让用地，是需要缴纳土地出让金的，即有偿使用。这就是两者明显的区别，当然，按照国家有关规定，划拨用地在履行一定的审批程序、补缴土地出让金后可以变更为出让用地，因此，其土地性质就会发生改变。按照，军队有关文件规定，出售军队现有住房，必须经军区级单位审查并报总后勤部批准，由售房单位组织实施。也就是说，军产房现有住房出售，审批权在军区级的后勤部，这个跟商品房交易是完全不同的，商品房交易属于登记备案，且该登记备案的权限是房地产行政主管部门。因此，购买军产房，必须由军区级的后勤部审批后才可以进行，否则，未经批准擅自出售军队现有住房，增加或者扩大优惠政策变相低价出售住房的主管人员和直接责任人，依据《中国人民解放军纪律条令》的有关规定给予处分；构成犯罪的，依法追究刑事责任。而相关军产房交易合同，可能因为没有经过前述程序而被认定为无效。另外，军产房的购房条件和对象也是有严格限制的，基本上，购房对象是军队人员或者其配偶和子女，而非普通的非军人。很多人知道，小产权房或者军产房的价格低于商品房的价格，但是户型和质量也不见得相差多少，但是，不符合购买军产房条件的个人购买军产房是有较大风险的，且，军产房银行是不接受抵押的，也就是除了个人冒着军产房无法过户或者买卖合同无效的情况下，还必须一次性付款，至少不能办理银行按揭贷款手续。那么，享有军产房的业主，是否能够出售军产房呢？根据有关规定，按经济适用住房价格或者房改成本价购买的现有住房，购房者拥有全部产权；需要上市交易的，实行准入制度，在同等条件下，原售房单位有优先购买权；所得售房款，在补交土地使用权出让金或所含土地收益，以及按照国家和地方人民政府规定交纳有关税费和收益分成后，其余收入归个人所有。由此，可见，军产房一定程度上可以上市交易出售给非军人或军人家属，只不过，其交易类似于经济适用房或者房改房的操作。此外，军产房的物业管理，也是以军队的有关文件为准，并不适用商品房的物业管理的有关规定。由于军队的特殊性和复杂性，因此本文仅是简单的提及部分内容，希望给广大购房者提供些许提示。
2、购买军产房应注意与军队房屋管理部门核实能否办理军产证的变更登记。另外，军产房无法办理落户，如遇拆迁、征收、征用，尚无明确法律予以规定，购买军产房如与军队房屋管理部门发生纠纷，人民法院不予受理。由于市场上交易的军产房发证机关不尽相同,有的是开发商,有的是军队后勤管理部门等，并且因为军产房一般不允许对外向社会公开销售，因此，对于过户没有具体统一的法律规定。建议购房者先确认该房产是否经过军队主管部门（总后勤部）批准，否则您的权益无法得到保障。购房者在购房军产房时，首先要确认下与开发商签订的合同是否约定是军产产权，如果仅口头约定属于军产产权，则主张权利存在难度。另外，如果该房屋属于开发商利用与部队联建房屋的机会采取超规划指标建设的房屋，违规向社会销售，那么您还面临法院判决你们之间的合同无效的风险。建议您谨慎购买军产房屋。

别在那施舍你的温柔 07-21 09:13

可以的啊。我问过楼下的中介军产房是极为特殊的一种房产形式，土地是行政划拨给军队，由他们建房，大多用于部队自用，其中有一部分也推向了市场。此类相当于免地价的住宅项目自然价格极低。但是此类房产并不归地方政府管理，不能办理房产证，军产房虽然不能办理房产证，但是军队可以办理军产证，该房产也被承认为私产，也可以转让。军产房虽然不能作为抵押贷款等他用，但产权还是有一定保障的。希望可以帮助到您。

一個人也好 07-21 09:21

一般情况下低于市值您购房资金缺口也应该在至万元虽然按照房产抵押贷款的资金使用的途径是包括购房的但是由于您想购买的房产为军产房所以您的贷款资金用途也是不行的由于您购买的是军产房只要是办理贷款由于产权存的问题就会影响到您的贷款如果您还是要购买此套住房建议您向本地的银行机构咨询一下信用贷款此类贷款由于贷款利率相对普通商业贷款利率高，适合短期资金周转。

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