After the reform and opening up, China's economy continued to grow. Per capita GDP has dropped from the penultimate to the second place in the world. We all know the progress of China. After economic growth, people's living standards have also improved, so the demand for houses has increased. So what is the content of the new house purchase policy? 1. New house purchase policy 1, adjustment of provident fund loan interest rate 2, encouragement of both renting and selling 3, new residence permit policy 4, farmers' house purchase subsidy 5, the household registration system is starting again 6, preferential tax policy 7, reduction of down payment 18, new house purchase policy 1, adjustment of provident fund loan interest rate 20 15, and five consecutive times by the central bank. Some homebuyers who carry the burden of house slaves can reduce a lot of repayment pressure. At present, the interest rate of provident fund loans with a term of less than 5 years is 2.75%; The interest rate of provident fund loans for more than five years is 3.25%. 2. Encourage both renting and selling. The relevant departments should give subsidy policies according to the housing lease situation, and encourage institutional investors to convert the inventory of chopping boards into rental market houses, so as to reduce the inventory. At the end of 20 15, the central economic work conference clearly pointed out that it is necessary to expand the housing leasing market, encourage natural persons and various institutional investors to buy existing commercial housing, become the main body of housing supply in the leasing market, and encourage specialized enterprises with housing leasing as their main business to buy houses. 3, residence permit New Deal Residence permit application threshold is lowered, as long as you have lived in business for half a year (in some areas), you can get a residence permit. The residence card provides benefits for the applicant's employment, social security, settlement of points, provident fund, etc. It will be easier to settle down and buy a house in the future. 4. Farmers have subsidies for buying houses. In order to get rid of real estate inventory, the government encourages migrant workers to buy houses in cities. At present, all localities are also stepping up efforts to introduce various subsidy policies for migrant workers to buy houses in cities. For the first time, Henan introduced the subsidy policy for migrant workers to buy houses in cities: migrant workers can enjoy the subsidy of 200 yuan per square meter when they buy houses in cities, which saves part of the purchase cost for migrant workers. 5. The household registration system is starting again. By the end of 20 15, 1 1, the area of new commercial housing for sale in 50 typical cities was 373 million square meters, and the total area of commercial housing for sale in China reached 696 million square meters. In the face of nearly 700 million square meters of property market inventory, the thoroughly remoulded household registration system has become the main means of "destocking" in various places. Therefore, the Shanghai authorities clearly reported that "the focus of urban support should be shifted to the suburbs to further improve the growth of the suburbs"; The relevant departments of Hebei Province reported that "by 2020, the urbanization rate of registered population and permanent population will reach 48% and 67% respectively". 6. Preferential policies for taxes and fees The Ministry of Finance, State Taxation Administration of The People's Republic of China and the Ministry of Housing and Urban-Rural Development jointly issued a notice to adjust the preferential policies for deed tax and business tax in real estate transactions from February 22nd. (1) Deed tax: for individuals who purchase the only family house (including the purchaser, spouse and minor children) with an area of 90 square meters or less, the deed tax shall be levied at a reduced rate of 1%; If the area is over 90 square meters, the deed tax shall be levied at the reduced rate of 1.5%; For individuals who purchase a second set of improved family housing with an area of 90 square meters or less, the deed tax will be levied at a reduced rate of 1%; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%; And the new policy no longer distinguishes between ordinary and non-ordinary houses (whether the building area exceeds 144 square meters). Business tax: if an individual sells a house that has been purchased for less than 2 years, the business tax will be levied in full; Individuals who purchase houses for more than 2 years (including 2 years) for external sales shall be exempted from business tax. Previously, this policy only exempted sales of ordinary houses (single building area 144 square meters or less) purchased by individuals for more than 2 years (including 2 years). 7. Loan down payment reduction ① Provident fund loan: 20% down payment for the first suite; The down payment for the second home loan is 20%, and in some cities it is 30%. ② Commercial loan: 25% down payment for the first suite and 20% down payment for some cities; 30% down payment for the second suite.

What is the 20 15 second-home loan policy?

"The latest policy of 20 15 second home loan is as follows:

Down payment ratio of the first and second home loans

Commercial loan: minimum down payment is 40%

Provident fund loan: the minimum down payment is 30%

Second home and second home loan interest rate

Commercial loans: the benchmark interest rate rises 10% (individual banks have a higher rise, and the specific interest rate is subject to the provisions of the lending bank).

Provident fund loan: the interest rate of the first home loan rises 10%.

Criteria for the identification of the third suite and the second suite

1, I applied for a mortgage before, but now the loan has not been settled, but there are two sets of loans to buy a house;

2. There are two properties under the name of the individual, but one is purchased in full and the other is purchased by loan. At this time, the loan to buy a house is considered as two sets;

3. Apply for a loan to buy a house before marriage, and there are two sets of outstanding loans for buying a house after marriage. "

The latest policy of provident fund loans in different places

As there are differences in policies and requirements for individual housing provident fund loans in various housing provident fund management centers, please consult China Bank's provident fund loan business outlets or local provident fund management centers for details.

The above contents are for your reference. Please refer to the actual business regulations.

What is the latest national mortgage policy?

The new housing loan policy is:

First of all, if the borrower purchases affordable housing, the down payment ratio shall not be less than 20% of the total purchase price; Secondly, for the purchase of the first set of housing other than affordable housing, the down payment ratio shall not be less than 30% of the total purchase price; Finally, if you buy two houses, the down payment ratio should not be less than 60% of the total purchase price.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132

Basic introduction:

Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.

Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives.

Loan method

There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.

Guarantee fee

In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.

You must know the three favorable policies of 20 15 Chengdu to buy a house.

The latest news: The central bank announced that from June 28th, the targeted reduction of the deposit reserve ratio will be targeted at financial institutions, and at the same time, the deposit and loan interest rates will be reduced symmetrically by 0.25 percentage points. This is the fourth time that the central bank has cut interest rates in eight months, and the loan interest rate of 4.85% has once again hit a record low. Since the "March 30" New Deal, various favorable policies in the property market, such as interest rate cuts and the cancellation of purchase restrictions, have come one after another. These measures have played a key role in the recovery of the real estate market. So since the property market policy has changed, what are the benefits of buying a house in Chengdu on 20 15 and what qualifications do you need? The following small series will explain it for you one by one.

First, various favorable policies are in the bag.

(1) The purchase restriction is loosened.

1. Background of purchase restriction in downtown Chengdu: (1) If a household registered in Chengdu already owns 1 apartment in the main city, it can buy a second apartment (including new commercial housing and second-hand housing, the same below) and suspend the purchase of a third apartment; (2) Families with foreign household registration who have no housing in the main urban area of this city can purchase 1 house in the main urban area of this city with the tax payment certificate or social insurance payment certificate of this city, and postpone the purchase of the second house; (3) Non-local registered families who can't provide the tax payment certificate or social insurance payment certificate in this city are suspended from buying houses in the main city of this city.

2. The purchase restriction policy is loosened: With the next policy, you can buy 3 suites in the central city of Chengdu.

(2) the loan restriction is loosened.

1. interest rate: for the first ordinary self-occupied family, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate. However, the matter of 30% interest depends on the bank.

2. Identification of the first suite: After the first suite loan is paid off, you can enjoy the first suite loan discount when you buy the second suite. At present, it is basically barrier-free for major banks to recognize housing and not to recognize loans.

3. Third Suite: After the "purchase restriction" is cancelled, families who own two or more houses and have settled the corresponding housing loans will apply for loans to buy houses. Banking financial institutions should carefully grasp and specifically determine the down payment ratio and loan interest rate level according to the borrower's solvency, credit status and other factors. That is, now you can not only buy a third house, but also talk about loans with banks.

(3) those things about provident fund

1. Loan amount: Chengdu recently implemented the new housing provident fund policy, and the maximum amount of a single loan was raised from 400,000 yuan to 500,000 yuan. Increasing the quota can not only alleviate the money shortage, but also save a sum of interest by paying the same amount of principal and interest.

2. Lower threshold: employees applying for provident fund loans need to continuously deposit provident fund for 6 months, instead of 1 year. In addition, the first home provident fund loan is also "recognizing the house and not recognizing the loan". At present, to purchase a second house and apply for a provident fund loan, the minimum down payment needs to be 50%, and the interest rate needs to rise 10%. The first home loan policy is: 30% down payment, benchmark interest rate!

3. Off-site loans: Chengdu took the lead in launching off-site provident fund loans in China. Employees with household registration in Chengdu can apply for loans from Chengdu Provident Fund Center with the certificate of provident fund deposit issued by the housing provident fund management center in their place of employment (such as Beijing).

4. Four purposes of provident fund:

(1) Buying a house: ① Buying a house in full, which can be paid in one lump sum; 2 in the case of commercial loans, you can use the provident fund to pay the down payment; (3) commercial loans can also use the provident fund to repay the principal and interest; ④ Portfolio loans can be used to repay the principal and interest.

(2) Rent: ① Use it to pay the rent of commercial housing; (2) bear and pay the rent below the market price, which is guaranteed by the government or collected by rent.

(3) Withdraw the parents' provident fund to buy a house: ① If you don't use the housing loan to buy a house, you can withdraw the parents' provident fund; ② After buying a house with a personal housing loan from a commercial bank, you can withdraw your parents' provident fund after paying the down payment; Three people can buy a house with a provident fund loan, and they can withdraw their parents' provident fund after paying the down payment.

(4) Treatment of major diseases: If a family member is hospitalized for major diseases or major operations, both individuals or husband and wife can apply for withdrawal of provident fund, and the application date should be within one year after discharge, and the total withdrawal amount should not exceed the expenses borne by the individual.

Second, those things that should be paid attention to when buying a house.

(1) Preparation before signing the contract and handling the loan

1. Original seal of income certificate: When you prepare the income certificate in advance, you may not know how much you should fill in, so after the repayment amount comes out, the seller will at least tell you how much you should fill in.

2. Original half-year running account of the bank (the bank counter needs to be stamped): you don't need to go to the bank to make a running account, just download the form online, then print it yourself and stamp it directly. Because I have to go to the bank to queue up for printing, it saves time.

3, single certificate: (marriage certificate, divorce also open single certificate) single certificate needs 1 inch photo ID card (front and back) copy 1 household registration book 1 copy.

(2) What kind of contract should I sign to get a loan from the bank?

1, declaration: declare that the information you filled in is accurate;

2. Notarization: it is the right and obligation that the parties enjoy when handling;

3. Notarization application form: fill in your own information, indicating that you want to apply for notarization;

4. Commitment letter: promise the bank to repay on time or something.

(The above answers were published on 20 15-06-28. Please refer to the actual situation for the current purchase policy. )

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20 15 what are the new policies for buying houses?

Policy 1: The minimum down payment ratio is adjusted to not less than 40% for households that own a house and the corresponding housing loan is not settled.

Interpretation: the biggest advantage of the adjustment of the down payment ratio of the second suite is that the threshold for improved home ownership demand is greatly reduced. The lowering of the threshold will inevitably lead to the positive release of the demand for improved house purchase, and the market demand will increase, and the demand will be in short supply, and the house price will definitely rise. It's time to buy a house before the price increase!

Policy 2: use the housing provident fund loan to purchase the first set of ordinary self-occupied housing with a minimum down payment of 20%; Families who own a house and have settled their loans apply for housing provident fund to buy a house again, with a minimum down payment of 30%.

Interpretation: If the down payment of provident fund is reduced to 20%, it will inevitably break the wait-and-see mood of just-needed buyers, and the market will digest inventory, which will lead to a shortage of supply and an inevitable rise in house prices.

Policy 3: Individuals will purchase ordinary houses for more than two years (including two years) for external sales, and will be exempted from business tax.

Interpretation: Under the superposition effect of the two policies, the purchase cost of buyers, especially improved buyers, will be greatly reduced, which can expand the demand for housing and change the market wait-and-see mood, which will inevitably lead to a new round of housing boom.