First, all kinds of favorable policies are in the bag.
(1) The purchase restriction is loose.
1. Background of purchase restriction in downtown Chengdu: (1) If a household registered in Chengdu already owns 1 apartment in the main city, it can buy a second apartment (including newly-built commercial housing and second-hand housing, the same below) and suspend the purchase of a third apartment; (2) Non-local registered families who have no housing in the main city of this city can purchase 1 house in the main city of this city with the proof of tax payment or social insurance payment, and suspend the purchase of the second house; (3) Non-local registered families who can't provide the tax payment certificate or social insurance payment certificate in this city are suspended from buying houses in the main city of this city.
2. The purchase restriction policy is loosened: With the next step of the policy, you can buy 3 suites in downtown Chengdu.
(2) the loan restriction is loosened.
1. interest rate: for the first ordinary self-occupied family, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate. However, the question of 30% interest depends on the bank.
2. Identification of the first suite: After the first suite loan is paid off, you can enjoy the first suite loan discount when purchasing the second suite. At present, it is basically barrier-free for major banks to recognize housing and not to recognize loans.
3. Third Suite: After the "purchase restriction" is cancelled, families who own two or more houses and have settled the corresponding housing loans will apply for loans to buy houses. Banking financial institutions should carefully grasp and specifically determine the down payment ratio and loan interest rate level according to the borrower's solvency, credit status and other factors. In other words, now you can not only buy a third house, but also talk about a loan with the bank.
(3) those things about provident fund.
1. Loan amount: Chengdu has recently implemented a new housing provident fund policy, and the maximum amount of a single loan has been raised from 400,000 yuan to 500,000 yuan. Increasing the quota can not only alleviate the money shortage, but also save interest by matching the principal and interest.
2. Lower threshold: employees applying for provident fund loans need to pay the provident fund for six months in a row, instead of 1 year. In addition, the first home provident fund loan also "recognizes the house and does not recognize the loan". At present, when purchasing a second house and applying for a provident fund loan, the minimum down payment needs to be 50%, and the interest rate needs to rise 10%. The first home loan policy is: 30% down payment, benchmark interest rate!
3. Off-site loans: Chengdu took the lead in launching off-site provident fund loans in China. Employees with household registration in Chengdu can apply for loans from Chengdu Provident Fund Center with the certificate of provident fund deposit issued by the housing provident fund management center in their place of employment (such as Beijing).
4. Four purposes of provident fund:
(1) Buying a house: ① Buying a house in full can be paid in one lump sum; 2. In the case of commercial loans, the provident fund can be used to pay the down payment; (3) Commercial loans can also use the provident fund to repay the principal and interest; ④ Portfolio loans can be used to repay the principal and interest.
(2) Rent: ① used to pay the rent of commercial housing; (two) to collect and pay the rent below the market price, which is guaranteed by the government or collected by rent.
(3) Withdraw your parents' provident fund to buy a house: ① If you don't use a housing loan to buy a house, you can withdraw your parents' provident fund; ② After buying a house with a personal housing loan from a commercial bank, you can withdraw your parents' provident fund after paying the down payment; After buying a house with a personal provident fund loan, you can withdraw your parents' provident fund after paying the down payment.
(4) Treatment of major diseases: If a family member is hospitalized with major diseases or major operations, both individuals and couples can apply for withdrawal of provident fund. The application date should be within one year after discharge, and the total amount of withdrawal should not exceed the expenses borne by the individual.
Second, those things that should be paid attention to when buying a house.
(1) Preparation before signing the contract and handling the loan
1. Original seal of income certificate: When you prepare the income certificate in advance, you may not know how much you should fill in, so after the repayment amount comes out, the seller will tell you at least how much you should fill in.
2. The original half-year running bill of the bank (the bank counter needs to be stamped): you don't need to go to the bank to make accounts, just download the form online, and then print it yourself and stamp it directly. Because you have to queue up at the bank to print, which can save time.
3. Single certificate: (marriage certificate for married people and single certificate for divorced people) Single certificate requires a 1 inch photo+copy of ID card (front and back) 1+ copy of household registration book 1.
(2) What kind of contract should I sign to get a loan from the bank?
1, declaration: declare that the information you filled in is accurate;
2. Notarization: it is the right and obligation that the parties enjoy when handling;
3. Notarization application form: fill in your own information to indicate that you want to apply for notarization;
4. Commitment letter: promise to the bank to repay on time or something.
(The above answers were published on 20 15-06-28. The current purchase policy should be based on the actual situation. )
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