According to the relevant policies and regulations of Wuhan property market, Wuhan is no longer restricted to purchase at present, but it should be noted that Wuhan can no longer borrow money to buy a house from the third set. If you want to apply for a commercial loan to buy a house, the first thing to know is whether you want to buy a house with a first suite or a second suite.

Identification of the first suite and the second suite:

(1) 2065438+From September 24th, 2004, it is no longer restricted to buy houses in Wuhan (new commercial housing and second-hand housing). When going through the relevant formalities, the situation will no longer be verified, and relevant certificates such as household registration, tax payment or social insurance payment will no longer be required.

(2) Taking a family as a unit, there is no mortgage record under the name of family members, and buying a house in Wuhan is the first suite.

(3) Taking the family as a unit, family members have mortgage records, and the second purchase is considered as a second suite.

Commercial loan policy:

The lowest interest rate for the first suite is 0.7 times the benchmark interest rate. The first suite loan is paid off, and the second suite can be implemented according to the first suite loan policy. For buyers with three or more loans, banks can decide the down payment ratio and loan interest rate level independently according to the situation.

The first suite:

The minimum down payment is 25%, and the lower interest rate is 30%. ?

The second suite:

The minimum down payment is 40%. After the loan is paid off, it will be implemented according to the first suite. ?

Three suites:

After paying off the loan, make a down payment of 30% or 50% and negotiate the interest rate; If the loan is not paid off, you can't apply for another loan. ?

In addition, from 20 15 to 10, the down payment ratio of the first suite was reduced to 25%, and the major banks in Wuhan have officially started to implement it. The dividing line for the implementation of the New Deal is the customers who pay the down payment and sign the house purchase contract after 10+00.

The specific policy is: 10- 1. New customers who make a down payment and sign a house purchase contract can operate with a down payment of 25% if they meet the requirements. However, if the down payment is made before, even if the loan fails to pass the examination and approval, it can only be implemented in accordance with the original regulations.

(The above answers were published on 2015-10-15. Please refer to the actual situation for the current purchase policy. )

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