1. Down payment ratio for buying a house loan in Shanghai?
The down payment ratio should be uniformly stipulated across the country, but there are specific regulations in each province and city. Some down payment ratios are Some are 30, some are 40, some are 50 or even 60. The regulations vary from city to city. The loan ratios for first and second homes are also different.
II. Shanghai’s first-home loan policy
Shanghai’s current housing loan interest rate is initially no less than 20 basis points less than the LPR of the corresponding period for the first home loan, and no less than 20 basis points for the second home loan. 60 basis points lower than the LPR of the corresponding period. The policies for Shanghai’s first home are as follows: Shanghainese have a house in other places: Situation 1: If you have a house in other places, no house in Shanghai, and no loan, the purchase of a house in Shanghai is considered your first home; Situation 2: The loan has not been repaid, and the loan in Shanghai is counted as a second house. The qualification is recognized as two houses; Shanghai residents do not have a residence in other places (based on family unit): Situation 1: There is no residence in other places, and the first purchase in Shanghai is considered the first home; Situation 2: There is a residence, but the loan has been paid off and sold , if you don’t have a house in your name, buying a new house will count as your first one; Situation 3: If you have two or more houses, you can’t buy any more. Note: Singles in Shanghai can only buy one set. If you owned a house with your parents*** before January 28, 2011, it will not be included in the purchase restriction review. Extended information loan policy is that central bank loans refer to loans granted by the central bank to various professional banks and other financial institutions. Central bank loans have the basic characteristics of general loans, but as a monetary policy tool of the central bank, they have special functions and guidelines. Central bank loans, like professional bank loans to enterprises, have the basic characteristics of repayment, guarantee, term and interest accrual. Bank loan policies should first clarify the bank's development strategy, including the principles that should be followed when conducting business, the industries and regions in which the bank hopes to develop business, the types of business it hopes to develop, and the scale and speed it hopes to achieve. In the bank's loan policy documents, it is clearly pointed out that the development of loan business must comply with the principles of the bank's stable operation, and strategic planning must be carried out for the guiding ideology and development areas of the bank's loan business. To develop a loan business strategy, we should first clarify the basic principles that banks must follow when conducting loan business. On the basis of clarifying the operating policies that bank loans should follow, the scope (including industry, region and business type), speed and scale of bank loan development must also be determined based on needs and possibilities.
3. What is the down payment ratio for a first home in Shanghai?
1. Housing provident fund loan down payment ratio: When purchasing a first home, the housing construction area is less than 90 square meters (inclusive), the loan down payment ratio shall not be less than 20%; the housing construction area is 90 square meters For the above, the loan down payment ratio shall not be less than 30%.
2. Commercial loan down payment ratio: Residential households purchasing their first home (that is, the household has no house in the city under its name and no commercial housing loan record or provident fund housing loan record) apply for a commercial personal housing loan , the down payment ratio is not less than 35%.
4. What is Shanghai’s first home loan policy?
The definition of the first home in Shanghai is based on the purchaser's salary in the home purchase contract.
To query the first home purchase information, the query is based on the purchaser's salary in the home purchase contract. When accepting an individual's first-time home purchase information inquiry, a pre-(current) sales contract or an existing house sales contract is required (if the person cannot inquire in person, the trustee should submit the original ID card of the person and the original ID card of the client).
On a per-person basis, based on the definition standards of the property rights information system for home purchases, if there is a property rights registration record, or if there is a property rights registration, but the property rights are for affordable housing or resettlement housing, the site will issue a certificate. The area of ??home purchase information in the "First House Purchase Certificate" is limited to the area listed by the institution that issued the "First House Purchase Certificate"