You can use provident fund loans
20 10 April, the State Council's "Ten Articles" stipulated that the down payment ratio of loans should not be less than 60%, and the loan interest rate should not be less than 1. 1 times of the benchmark interest rate.
The second set of housing loan fees
1, down payment
According to the regulations of the bank, the borrower must pay a down payment of not less than 60% of the purchased house price when applying for a second home loan, and some areas require that the down payment ratio of the second home loan be not less than 70%.
Step 2: Interest
The interest on the second home loan is calculated according to the borrower's loan amount, loan term, loan interest rate and repayment method. Among them, the loan interest rate directly affects the amount of mortgage interest expenditure.
3. Mortgage registration fee
Customers applying for a second home loan must agree to mortgage the house purchased in their name. When going through the mortgage registration formalities, the borrower needs to pay a certain mortgage registration fee.
4. Notary fees
When you apply for a second home loan, you still need to pay the notarization fee. When applying for a bank housing loan, the bank will entrust a notary department to certify the borrower's qualifications, and the borrower needs to pay a notary fee.
Second, can I use the provident fund loan for the second suite in Chengde?
As long as the provident fund is paid continuously 1 year, the first suite can use the provident fund loan without the provident fund. According to the Supplementary Notice on Adjusting Housing Provident Fund Loans issued by Chengde Housing Provident Fund Management Committee, the down payment ratio of the loan to purchase the second suite shall not be less than 60%.
Can I get provident fund loans for the third and second suites?
It's possible. For the second suite, the conditions and restrictions of provident fund loans are very important. First of all, it should be noted that if the borrower uses the provident fund loan to purchase the 1 suite and pay off the loan, he cannot use the provident fund to make the loan and repay the mortgage when purchasing the second house. If 1 suite is bought with commercial loans and has a mortgage, the second suite can use provident fund loans, and the down payment is calculated according to the provisions of the second suite, that is, the down payment is 50% lower and the interest rate is high 10%. If the loan of 1 suite has been paid off, whether it is a commercial loan or a provident fund loan, you can use the provident fund loan to buy a second suite, and the relevant regulations are naturally calculated according to the second suite. For some places, the policy of reducing the down payment of the second suite of provident fund loans by 20% has been implemented. In order to further improve the individual housing loan policy of housing provident fund and support the reasonable housing demand of employees, households with/kloc-0 housing units have settled the corresponding housing loans. In order to improve the living conditions, the lower down payment ratio will be reduced from 30% to 20% if you apply for housing provident fund entrusted loans again. So when you apply for provident fund loans, you need to ask the local management core what the lower down payment is to reduce the shortage of funds brought by buying a house. Legal basis: Regulations on the Management of Housing Provident Fund Article 5 The housing provident fund shall be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
4. Can I use the provident fund loan for the second suite in Chengde?
You can use provident fund loans
20 10 in April, the State Council's "Article 10" stipulated that the loan for purchasing a second house should not be less than 60%, and the loan interest rate was 1. 1 times.
Second home loan
1, down payment
According to bank regulations, borrowers must pay a high down payment when applying for a second home loan, and some areas require that the down payment ratio of the second home loan be not less than 70%.
Step 2: Interest
Second home loan interest rate, loan term, loan interest rate and repayment method. Among them, mortgage interest expenses are more.
3. Mortgage registration fee
Customers applying for a second home loan must agree to mortgage the house purchased in their name. When handling the mortgage registration formalities, the borrower needs to pay a certain amount.
4. Notary fees
When you apply for a second home loan, you still need to pay the notarization fee. When applying for a bank housing loan, the bank will entrust a notary department to certify the borrower's qualifications, and the borrower needs to pay a notary fee.