How much is 20 16 housing in mortgage interest rates?
20 16 housing mortgage interest rates: since the central bank cut interest rates on 20 15 and 10, the benchmark interest rate currently implemented by the bank is: the loan interest rate for less than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; More than five years is 4.90%. In 20 16 years, banks will also implement this benchmark interest rate.
20 16 down payment ratio of housing mortgage loan
① First suite: the down payment for the first commercial house (with a property right of 70 years) is 20% (20%) of the total purchase price or the assessed value, whichever is lower;
The down payment for commercial real estate (40-year or 50-year products) is 50% (50%) of the total purchase price or the appraised value (whichever is lower).
② Second suite: the down payment ratio of the second suite loan is 40% of the total purchase price or the assessed value (whichever is lower).
Reminder: Family consists of three kinds of people, me, spouse and minor children. As long as a family has an outstanding mortgage, it is called a second loan to buy a house.
(3) The bank will not accept the third home mortgage loan for the purchase of the third home or above.
20 16 how long is the term of housing mortgage loan?
The term of mortgage is generally 30 years for new houses and 20 years for second-hand houses.
20 16 housing mortgage loan application conditions?
1, requirements for mortgaged houses
(1) The property right of the house is clear, it meets the listing and trading conditions stipulated by the state, and it can enter the real estate market without mortgage;
② The sum of the house age (from the date of house completion) and the loan period cannot exceed 40 years;
(3) Mortgaged houses are not included in the urban reconstruction and demolition plan, and there are real estate licenses and land certificates.
2. Requirements for borrowers
In addition to having a fixed residence, a fixed residence (or valid certificate) in a local town and full capacity for civil conduct, the following conditions must be met:
(1) Having a legal and stable source of income and the ability to repay the principal and interest of the loan on schedule;
② No illegal acts and bad credit records;
(3) It can provide legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
(4) Other conditions stipulated by the bank.
Before applying for housing mortgage loans, buyers need to know the relevant interest rates of banks and master their own loan qualifications. Only by meeting the basic loan conditions can they successfully apply for a loan. In addition, Bian Xiao suggested that buyers should calculate or consult the total loan amount before the loan, and evaluate the individual repayment ability, so as not to delay the purchase, nor will it affect the future repayment.
(The above answers were published on 2016-01-21. Please refer to the actual situation for the current purchase policy. )
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