北京户口,在外地拥有一套商品房,而且正在还贷款中,可以申请经济适用房吗,有什么影响。
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一、申购经济适用房的条件:
1、具有本市市区建成区城市户口3年以上;
2、家庭人均月收入低于城镇居民最低生活保障标准的4倍;
3、无住房或者家庭人均住房建筑面积不足20平方米;
4、市人民政府规定的其他条件。
二、申请材料:
1、经济适用住房申请审批表,需验所有享用此房人的身份证、户口本原件并提交每人复印件一份,小孩需提交户口本复印件;
2、提供单独的夫妻双方年收入、住房情况证明(无房的出具无房证明,有房提供房产证复印件),无业人员或私有企业人员需由办事处或居委会出具;
3、结婚证及复印件一份;
4、单身的提供民政部门出具的单身证明一份或离婚证及复印件一份。
5、市人民政府规定的其他材料。
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商品房是指在市场经济条件下,具有经营资格的房地产开发公司(包括外商投资企业)通过出让方式取得土地使用权后经营的住宅,均按市场价出售。
经济适用房与商品房的区别:
1、获得土地的方式不同,经济适用房建设用地实行行政划拨,免交土地出让金;商品房采用出让方式须交纳土地出让金;
2、成本结构不同;
3、租售政策不同,经济适用房只售不租,商品房不受限制;
4、购买条件和对象不同,经济适用房享受政府优惠,其购买对象是特定的,只供给城镇中低收入家庭,因而要实行申请审批制度,商品房购买对象和条件不受限制;
5、价格政策不同。经济适用房出售实行政府指导价,不得擅自提价出售。商品房出售价格完全由市场决定。居民个人购买的经济适用房产权归个人;
房屋的产权分四部分:使用权、占有权、处置权和收益权,与商品房相比经济适用房的产权只在收益权上与它们不同。商品房上市出售后,收益全部归个人所有。
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1.本市城六区(新城区、莲湖区、碑林区、雁塔区、未央区、灞桥区)或长安区非农业户口;
2、家庭人均月收入低于市政府规定的相应标准(家庭人均月收入低于1080元);
3、家庭人均住房建筑面积低于市政府规定的相应标准(家庭人均住房建筑面积低于17平方米(含));
4、申请人及其家庭成员3年内无房屋赠与及转让行为的(房屋建筑面积超出市政府规定的相应标准);
5、申请人及其家庭成员名下无商铺或办公用房;
6、申请人离异,涉及房产处置且未再婚的,离异时间应满3年;
7、申请人年龄不得超过70周岁,单身应在30周岁以上。
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