What Is Corporate Housing?

The unit housing loan is a special loan proposed by enterprises, institutions and housing cooperatives to solve the housing problems of employees. It is of great significance to promote the reform of the housing system and improve the efficiency of housing funds.

Unit housing loan

Right!

The unit housing loan is a special loan proposed by enterprises, institutions and housing cooperatives to solve the housing problems of employees. It is of great significance to promote the reform of the housing system and improve the efficiency of housing funds.

Chinese name

Unit housing loan

Unit

Enterprises and institutions and housing cooperatives

Purpose

Solving employee housing

Advantages

Promote housing reform

There are two types of unit housing loans: ^[1]

I. The objects of unit housing loans are: ^[2]

1. Housing cooperatives;

2. Enterprises and institutions undertaking housing system reforms;

3 Housing management unit and its affiliated enterprises;

4 Real estate development enterprise.

2. Enterprises and institutions applying for housing loans must meet the following requirements:

1. With the approval of the competent authority, the administrative department for industry and commerce is registered (except for administrative institutions), has legal personality, and implements independent accounting;

2. Have a sound financial management and economic accounting system, and submit relevant information to the Ministry of Real Estate and Credit in a timely manner in accordance with regulations;

3 Have a plan for housing construction or commercial housing and its supporting facilities development approved by the competent authority;

4 Units applying for fund-raising cooperative housing loans and housing reform unit loans must deposit all housing reform funds into the Real Estate Credit Department of the Construction Bank and set up special settlement accounts;

5. Units applying for working capital loans need a certain proportion of their own working capital and have established a system of supplementing their own working capital;

6. 6. Units applying for housing management unit loans must open a basic settlement account in the Real Estate Credit Department of Construction Bank; The loan is used properly, it is guaranteed by property and materials, and has the ability to repay the principal and interest of the loan on schedule.