At present, many property buyers will choose the way of mortgage loan and pay back on a monthly basis. Banks generally require that the object of mortgage loans should be a natural person with full capacity for civil conduct and meet the following conditions:
(1) Have permanent residence in cities and towns or valid residence status;
(2) Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule;
(3) If you don't enjoy the house purchase subsidy, not less than 20% of the total house purchase price will be used as the down payment; Enjoy the purchase subsidy, and the individual will bear 20% as the down payment;
(4) There are assets recognized by the bank as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
(5) There is a purchase contract or agreement, and the price of the purchased house basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank.
When applying for a mortgage loan, the applicant shall present various documents, which usually include:
(1) ID card (resident ID card, household registration book or other valid proof of residence);
(2) the borrower's economic income or solvency certificate issued by the lender's examination and approval department;
(3) Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements;
(4) List of collateral or pledge, certificate of ownership, certificate of consent to mortgage, certificate of pledge and certificate of valuation of collateral by the person with the right to dispose of it;
(5) The guarantor agrees to provide a written guarantee document and a credit certificate of the guarantor;
(6) If savings deposits are used as self-raised funds, bank deposit certificates are required;
(7) If the provident fund is used for self-financing, it is necessary to provide proof that the housing provident fund management department has approved the use of provident fund deposits.
20 16 what is the difference between the provident fund loan policies for the first and second suites in Shanghai?
If you handle personal housing provident fund loan business in China Bank.
1. The following policies will be implemented from 201165438+129 October (Note: the online signing time of the borrower's house purchase contract is 20165438+/28 October (inclusive).
1. Identification of the first housing: there is no housing in this city under the name of the borrower's family and the borrower's family has no record of provident fund loans in this city, including the case that the borrower or spouse is not the borrower. Including the following situations:
(1) If a married borrower owns real estate with his parents before marriage, the borrower and his spouse can each own 1 set of * * * houses not included in his name;
(2) If an unmarried borrower shares a house with his parents, the borrower may own 1 house not included in his name;
(3) The borrower's family applies for a housing provident fund loan with property rights protection, and it is still recognized as the first home.
2, the second set of provident fund improved housing in two cases:
(1) The borrower's family has no house in the name of this city and has a record of 1 settled provident fund loan;
(2) The borrower's family has only 1 apartment in the name of this city, and the per capita housing construction area (calculated only for the borrower's family) is not higher than 35.5 square meters, and there is no record of provident fund loan or the record of settled provident fund loan 1.
Note: The number of major renovation loans applied for in combination with provident fund housing loans is not included in the number of employees' family provident fund deposits.
3. In any of the following circumstances, stop issuing provident fund loans:
(1) Borrower's family with 2 provident fund loans;
(2) the borrower who buys the second set of non-improved housing.
(3)* * * The same borrower is an immediate family member of the borrower, and there are two provident fund loans under his name, which is not regarded as * * * the same borrower.
2. The following policies will be implemented from August 4th, 20 15 to June 28th, 2016 (inclusive):
(1) Identification of the first suite: For families who have no record of commercial or provident fund loans or have settled commercial or provident fund loans, purchase the first self-occupied housing and implement the provident fund first home loan policy.
Note: According to the basis for determining the number of apartments, the borrower or his spouse shared 1 apartment with his parents before marriage, or the borrower and his spouse shared 1 apartment with his parents before marriage, it can be determined that the inquired house does not belong to the name of the borrower's family members. In other words, it is not necessary for the borrower to own a house before marriage with his parents, nor for the spouse to own a house before marriage with his parents. In extreme cases, a family can exclude two houses, some of which are determined according to the date of marriage certificate later than the date of real estate license. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members. (The following is the same as the number of sets)
(2) Identification of two sets of improved provident funds: For families who own a house and have settled commercial loans and provident fund loans, and the per capita living area meets the requirements below 35. 1 square meter, if they apply for provident fund loans to buy ordinary houses again to improve their living conditions, they can refer to the first provident fund loan.
note:
(1) In principle, the per capita living area is determined by taking the nuclear family of the existing property owner as the unit, that is, the property owner, the spouse of the property owner and their minor children. If there are a large number of actual residents, they can provide the "Resident Certificate" issued by the street/neighborhood committee where the property owner or the borrower is registered before they can move in.
(2) Ordinary housing standards shall be subject to the ordinary housing standards stipulated by the Shanghai Municipal Government:
Multi-storey houses with more than five floors and old apartments with less than five floors, new alleyways and old alleyways, etc. ;
The single building area is below140m2;
The actual transaction price is lower than 1.44 times of the average transaction price of land and houses of the same level, less than 4.5 million yuan/set within the inner ring road, less than 365,438+10,000 yuan/set between the inner ring road and the outer ring road, and less than 2.3 million yuan/set outside the outer ring road (the same below for ordinary housing identification standards).
(3) Access to provident fund second-home loan: For those who own a house and the per capita living area meets the requirements of less than 35. 1 m2, and the property purchased this time is not ordinary housing, it shall be implemented according to the provident fund second-home loan policy.
(4) Families who buy the third and above houses cannot accept provident fund loans.
(5) Regarding the determination of the number of housing units and the down payment ratio of loans in the application for family home purchase portfolio loans, the relevant regulations currently implemented by the bank shall prevail.
Three, please consult the provident fund loan business outlets or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
What are the new policies of 20 16 mortgage?
1, and the down payment ratio of non-restricted cities will be reduced to 20%.
On February 2 this year, the central bank issued a notice, stipulating that in cities that do not implement purchase restriction measures, households will purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places. For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.
2. The interest rate of provident fund deposits is raised.
In the first week after the Spring Festival holiday, that is, on February 17, the People's Bank of China, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance issued a notice to adjust the deposit interest rate of the employee housing provident fund account to a unified one-year time deposit benchmark interest rate 1.5% from February 2 1 7. The deposits in the employee housing provident fund account are divided into interest rate grades according to the collection time. The interest rates collected in the current year and carried forward from the previous year are based on the benchmark interest rates of demand deposits and three-month time deposits respectively, and are currently 0.35% and 1. 10% respectively.
3, business tax deed tax double drop
Also on February 17, the Ministry of Finance issued the Notice on Adjusting Preferential Policies for Deed Tax and Business Tax in Real Estate Transactions. Previously, the deed tax had not been adjusted for more than 5 years, and the business tax was adjusted again less than 1 year. Since February 22, 20 16, the preferential policies for deed tax and business tax on real estate transactions have been implemented, mainly involving four changes: 1. The deed tax for the first suite 144 square meters was reduced from 3% to1.5%; 2. The deed tax for the second apartment was reduced from 3% to1%(below 90 square meters) and from 3% to 2% (above 90 square meters); All housing transactions over 3.2 years are exempt from business tax, and non-ordinary housing over 2 years is no longer subject to business tax; 4. Only points 1 are applicable to North, Guangzhou and Shenzhen, and there are no other discounts.
4. The central bank lowered RRR to release more funds for mortgage loans.
On February 29th, the People's Bank of China decided to generally reduce the RMB deposit reserve ratio of financial institutions by 0.5 percentage point from March 20th 1 6th, which was the first RRR reduction in 2016th.
5. Further reduce the tax burden after the second-hand housing reform.
From May, 2065438 to May, 2006, the second-hand house was changed from business tax to value-added tax.
New housing loan policy
First, the first home mortgage down payment ratio requirements:
1. The down payment ratio of provident fund loans shall be at least 20% for the first suite and at least 30% for the housing provident fund loans.
2. The down payment ratio of the first home commercial loan is 30%, and the interest rate of commercial loan to buy a house rises.
Second, the first suite deed tax requirements:
The purchase area of the first suite is 90 square meters or less, and the deed tax is1%; The purchase area is over 90 square meters, and the deed tax is 1.5%.
Legal basis:
"Interim Measures for Personal Loans" Article 11 An application for personal loans shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
What are the conditions for the second home loan in Lu 'an?
Now China's economy is developing faster and faster, and because of this situation, people's living standards are different from before. Nowadays, many people are considering how to improve their living standards, and the most direct way to improve their living standards is to buy a house and hoard more real estate. Lu' an second home loan policy? What are the loan conditions for the second home?
Now China's economy is developing faster and faster, and because of this situation, people's living standards are different from before. Nowadays, many people are considering how to improve their living standards, and the most direct way to improve their living standards is to buy a house. If more houses are hoarded, their interests will definitely increase. However, sometimes buying a house with a loan requires a clear policy. So what about the second home loan policy in Lu 'an? What are the loan conditions for the second home?
Lu' an second home loan policy?
If 1 suite has used the loan to buy a house, according to the regulations, whether it is paid off or not, the second-home loan standard will be followed when applying for a house loan again. In addition to not enjoying the preferential interest rate, the down payment is increased by 10% and the interest rate is increased by 10%.
1. If 1 suite has used the loan to buy a house, according to the regulations, whether it has been paid off or not, the second application for housing loan shall be implemented according to the second suite loan standard. In addition to not enjoying the preferential interest rate, the down payment is increased by 10% and the interest rate is increased by 10%. According to the regulations, individuals have no loan balance in the credit information system, and buying a house again will be regarded as the first suite. In other words, the 1 suite bought by personal loan has been settled, and the second house purchase is treated as 1 suite.
2. It is understood that the second suite is defined as the number of mortgage loans based on the borrower's family (including the borrower, spouse and minor children). Families who have used provident fund loans or commercial loans to buy houses and apply for mortgages again are regarded as second suites.
3.20 16 announced the second home loan policy: the down payment ratio was adjusted to not less than 40%. China People's Bank of China, Ministry of Housing and Urban-Rural Development, China Banking Regulatory Commission issued a notice on reducing the down payment ratio of personal provident fund to purchase a second home loan.
What are the loan conditions for the second home?
1. The borrower has full capacity for civil conduct, holds a valid ID card of this city or a formal urban household registration in this city, has a stable income, has a good credit, and has the ability to repay the principal and interest.
2. Before the loan, it is required to deposit the housing provident fund for more than half a year, and a valid contract or agreement for purchasing owner-occupied housing must be provided. The payer must be the buyer in the contract, and the person with property rights (except the spouse) must issue a written commitment to agree to the mortgage of the house.
3. There are sufficient funds, and the self-owned funds are not less than 30% of the value of self-occupied housing, and the second-hand housing needs more than 40%. Borrowers are allowed to handle insurance and housing mortgage loans.
4. The borrower opens a personal account in the bank, allowing the bank to directly withdraw the loan principal and interest from the account every month.
The above content mainly describes my second home loan policy in Lu 'an? What are the loan conditions of the second suite? The second suite has more policies than the first suite, but the economic consumption will be less, and the corresponding concessions will be more, but it will also be consumed in time. Therefore, if all aspects are considered in place, the effect of nip in the bud can be achieved, otherwise it will still be very troublesome.
What are the latest second-home provident fund loan policies?
At present, there are various policies for second-home housing provident fund loans across the country, and the down payment ratio of second-home loans is strictly implemented in the Notice on Standardizing the Criteria for Determining Second-home Loans for Commercial Personal Housing (J.Z.201083). The loan applicant purchases a second house to apply for a loan, and the down payment ratio of the loan is not less than 70%. The loan applicant purchases policy-oriented housing or the first set of self-occupied housing with a construction area of less than 90 square meters in Xing Tao. Personal credit rating is aaa, and the maximum loan amount rises by 30%; Personal credit rating is aa, and the maximum loan amount goes up 15%. The loan applicant purchases a second set of housing or a non-policy housing with a construction area of more than 90 square meters, and the maximum loan amount will no longer rise. 20 16 the latest policy of second-home loan was announced: the minimum down payment ratio was adjusted to not less than 40%. The Ministry of Housing and Urban-Rural Development of the People's Bank of China and the China Banking Regulatory Commission issued a notice on reducing the down payment ratio of personal provident fund to purchase second-home loans.
The minimum down payment ratio for purchasing the first home loan is 20%.
The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.
The down payment ratio for buying a second home loan dropped to 40%
For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%. Before the adjustment, the down payment ratio of the second suite was 60%, and that of the north, Guangzhou and Shenzhen was 70%.
① Before that, the down payment ratio of the second suite was 60%, and that of the second suite in Beishangguangshen and Shenzhen was 70%.
② Previous housing provident fund loan policies: if the first set of ordinary self-occupied housing loans is less than 90 square meters, the minimum down payment ratio is 20%; The minimum down payment ratio of more than 90 square meters is 30%.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!