From March 24th, if you apply for commercial loans and provident fund loans within one year of divorce, two sets of loan policies will be implemented.
2. The first two sets of down payment ratio: 3. After the17 credit policy, the minimum down payment ratio of the first and second sets of housing provident fund personal loans is still 20%, which has not been adjusted. The maximum amount of the first home loan is 6.5438+0.2 million yuan and the maximum amount of the second home loan is 800,000 yuan.
3. In terms of loan term:
3. 17 credit policy adjusts the maximum loan period of commercial loans and provident funds from 30 years to 25 years. This has nothing to do with whether the borrower bought the first or second house, commercial loan or provident fund, and ordinary and non-ordinary houses. This will mean that the borrower's monthly supply pressure is even greater.
4. Interest rate of second-home provident fund loan.
At present, the personal loan interest rate of housing provident fund with a loan term of less than 5 years (inclusive) is 2.75%; The loan interest rate for more than 5 years is 3.25%; The interest rate of the second home loan is 1. 1 multiple of the benchmark interest rate.
What should I pay attention to when buying a second suite?
1. First, ask the seller to provide the original legal property right certificate, and go to the housing management department to inquire about the authenticity of the property right certificate, as well as the property right source and property right record of the purchased property. Including the owner, registration date, transaction price, etc. It is also necessary to confirm the integrity of the seller's property rights and know whether the purchased house has been mortgaged and shared with others. Pay attention to whether the owner and seller on the real estate license are the same person. Secondly, it is necessary to find out whether the source of the purchased house belongs to the house that is allowed to be sold. Generally speaking, the public houses of troops, hospitals and schools must be sealed by the original unit before they can be sold.
2. Unlike commercial housing, the sale of second-hand housing is generally a "case". Therefore, related prices, housing conditions, etc. , all need consumers themselves or their own entrusted institutions to understand in detail. Before deciding to buy, consumers should carefully observe whether the apartment is reasonable, whether all kinds of management are in place, and whether the power supply capacity can load large household appliances such as air conditioners. Check the ceiling for signs of water seepage, and the walls for obvious problems such as bursting or peeling. Some even ask about the level of community security, property management fees and charging standards.
3. Consumers should never forget to know how long the house has been purchased and how long the land use period is; Are there any arrears, such as property management fees, utilities, gas fees, etc. On the basis of mastering the basic situation of housing, consumers should compare and judge the value of second-hand housing from many aspects. You can also entrust a trusted intermediary or evaluation agency to evaluate whether you can make a second-hand housing mortgage loan. Under normal circumstances, banks will make a hedging assessment when mortgage loans, and this price can show the lowest hedging price of houses.