I. Beijing Housing Loan Policy 2020
Beijing's housing prices are very high all over the country, so many locals or foreigners generally choose loans to buy a house, with less pressure. So what is Beijing's housing loan policy in 2020?
2. Down payment ratio
Residents buy their first suite in Beijing, and the down payment is as low as 20% for a new house with an area of no more than 90_. If it is a 3 million house, the down payment is 600,000; If you buy a second suite in Beijing, the down payment is as low as 60%. A set of 3 million houses, with a down payment of 6.5438+0.8 million.
3. Benchmark mortgage interest rate
Now the national mortgage benchmark interest rate is 4.90%. However, different banks have different preferential policies for mortgage interest rates. Generally speaking, ordinary people can enjoy a 10% discount on the benchmark interest rate when buying a house, and a 20% discount for high-quality customers with bank scores. Last year, there was a 30% discount in the process of relatively loose bank credit. However, it is estimated that bank credit will be tightened. For example, Beijing will implement a 10% discount on mortgage interest rates.
Step 4 repay the loan
At present, the main repayment methods are still average capital and equal principal and interest repayment. Average capital refers to the equal repayment of the loan principal every month, and the interest decreases month by month. The repayment amount in advance is large, and the repayment pressure is getting smaller and smaller, which is suitable for high-income people. Matching principal and interest repayment refers to adding the total principal and total interest principal of mortgage loans and distributing them evenly every month. Now it is a primary repayment method, which is suitable for civil servants and teachers with stable income.
2. How much is the loan for buying a house in Beijing?
1. According to the above information, we know that if you buy the first suite in Beijing, the down payment ratio is 20%, then the loan ratio is 80%; If the area of the first suite exceeds 90 square meters, the down payment ratio is 30% and the loan ratio is 70%; The second home loan ratio is 40%.
Generally, there is no stipulation on how many houses a person can borrow. It depends on your identity and your assets. For example, if you are an ordinary worker with a salary of only over 2,000 yuan, then you can only borrow 20,000-30,000 yuan. If you are a business owner with an annual output value of hundreds of millions and assets of tens of millions, then you can borrow tens of millions.
3. General housing loans can be handled according to their own conditions. Commercial loans are not capped, but the borrower must have sufficient repayment ability, and it depends on the amount of the borrower's income certificate: the monthly income of the income certificate must be more than twice the monthly payment. Monthly payment 1 0,000 yuan, and proof of income must be above 2000 1.
3. What is the mortgage interest rate in Beijing?
1. As far as the first suite in Beijing is concerned, the benchmark interest rate has risen by 10%, which currently occupies the mainstream position; A few banks raised the interest rate of the first home loan to the benchmark interest rate by 20% or even 30%; Individual foreign banks can apply for the benchmark interest rate of the first home loan, but foreign banks have higher requirements for the lender's own qualifications and the age of the house they buy.
2. Beijing's mortgage interest rate is related to personal qualifications. The interest rates of major banks have basically been lowered. We Zhongrong can achieve an annual interest rate of 4.9 for bank loans. The better the qualification, the lower the interest rate, and the policy of each bank is different.
At present, Beijing mortgage interest rate will fluctuate on the basis of the central bank's benchmark interest rate. The benchmark interest rates of China People's Bank, the central bank, are as follows:
(1) Annual interest rate of commercial loans within one year: 4.35%.
(2) Annual interest rate of commercial loans for one to five years: 4.75%.
(3) The annual interest rate of commercial loans over five years: 4.90%.
(4) Annual interest rate of provident fund loans for less than five years: 2.75%.
(5) Annual interest rate of provident fund loans for more than five years: 3.25%.
The above is about
Beijing mortgage policy 2020, how much can Beijing mortgage be loaned, and what is the interest rate of Beijing mortgage? I hope I can help you. Interested friends can also check it out.