(1) The down payment ratio of the second suite is raised from the current 60% to 70%, and the interest rate is raised from 1. 1 times to 1.3 times. However, the bank said that it has not received the notice at present, and the second home loan policy is still implemented in accordance with "60% down payment for the second home loan and interest rate policy 1. 1 times".
(2) "Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children) and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children); Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level; Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.
(3) Downpayment ratio of commercial loans: 60% down payment for the second apartment, and the loan interest rate is 1. 1 times of the benchmark interest rate. Down payment ratio of provident fund: According to the recent regulations of Changsha Housing Provident Fund Management Committee, as long as the first suite area is 1.20 square meters, when buying a second house, individual housing loans from housing provident fund will not be issued; If the area of the first suite is below 120 square meters (inclusive), and the second set of ordinary self-occupied housing is purchased with the housing provident fund loan, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be lower than 1. 1 times of the personal housing loan interest rate of the first housing provident fund in the same period.
Purchase process of Changsha second suite
(a) the buyer mortgage loan to buy a house
Bank credit investigation (go to the People's Bank to inquire about the buyer's credit investigation), real estate investigation (investigate whether the house is mortgaged, sealed up, analyzed, inherited and the owner's situation), pay the down payment to the seller, and reserve the final payment of the house. When the house is transferred, the bank will review the loan conditions and the bank will issue loans. Both parties jointly deliver the house and pay the final payment to the seller.
(2) The buyer purchases the house in full.
Property right investigation (to investigate whether the property is mortgaged, sealed up, divided and inherited, and the owner's situation), the buyer pays the seller the deposit, and both parties transfer the property together, and both parties hand over the house together, and the buyer pays the seller in full.