What is the loan ratio for foreigners to buy a house? 1, the housing loan generally does not exceed 70% of the total price of the house purchase contract, and the maximum does not exceed 80% of the total price of the house purchase contract; 2 commercial housing loans shall not exceed 50% of the total contract price;
Second, how to buy a house with a loan from a different place? What is the down payment ratio of the loan?
Buying a house in a different place has always been a big problem for many people. However, since most cities have cancelled the purchase restriction policy, buying a house in a foreign household registration is no longer restricted. As long as they meet the requirements, they can apply for a loan to buy a house. However, there are some specific procedures for buying a house with loans from different places. Some buyers are still unclear. What is the down payment? What are the steps? Let me explain something to you.
How to buy a house with a loan in a different place?
1. Now most cities have cancelled the purchase restriction policy, which means that foreign households are no longer restricted by policies. But every city has different policies for foreigners to buy houses.
Conditions for individuals to apply for housing loans: ① agree to use the purchased house as collateral; (2) Having full capacity for civil conduct; (3) The age of the borrower plus the loan period shall not exceed 65 for men and 60 for women; (4) Have permanent residency or valid residence status in China; ⑤ A down payment of not less than a certain percentage of the total price of the house purchased must be paid; ⑥ Have stable professional and economic income, good credit and the ability to repay the principal and interest of loans; ⑦ A house purchase contract or agreement has been signed.
3. General information to be submitted: ① proof that all or part of the down payment has been paid; ② Proof of the borrower's repayment ability; ③ Original and photocopy of the contract, agreement or letter of intent for purchasing second-hand houses; (4) Legal and valid identity documents of the borrower: resident identity card, household registration book, military officer's card or other valid residence permit; ⑤ The borrower and/or spouse have the right to inquire about the authorization documents of the personal credit information system of the People's Bank of China.
4. If buying a house in a different place is the first loan house, the down payment is 30%, and the interest rate is generally lower than the benchmark interest rate 10%- 15% (according to the standards implemented by local banks); If it is the second (including the second) loan house, the down payment is 40%, and the interest rate is the benchmark interest rate 10%, and so on, and the third suite is 20%).
How much is the down payment for the loan to buy a house?
1. The number of mortgage sets, actual mortgage interest rate, mortgage percentage and mortgage period of the first-hand house shall be subject to the approval of the bank. (Under normal circumstances, the down payment for ordinary housing with the first home loan is not less than 30%, and the benchmark interest rate is implemented; The down payment of the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; Three suites are not allowed).
The bank loan interest rate is determined according to the comprehensive evaluation of loan credit, collateral and national policy (whether it is the first suite or not). If all aspects of evaluation are good, the interest rates of different banks are different. At present, the first suite is generally calculated according to the benchmark interest rate 10%, and the interest rate for more than five years after adjustment on July 7 is 7.05%.
Although it is stipulated that only 30% of the total house price can be used, there is still a loan problem. For example, for the above-mentioned house with a total house price of 6.5438+0 million, if the provident fund loan is adopted, both husband and wife can borrow 450,000 yuan, and the remaining house price must be down payment, that is, down payment of 550,000 yuan.
If it is a commercial loan, you should also check your family income and repayment ability to see how much you can borrow. The total house payment is deducted from the loan amount, and the rest is also the down payment. The above is the first suite algorithm. If you buy a second suite, the down payment ratio of the loan should not be less than 50%. For example, for a house with a total house price of 6,543,800 yuan, the down payment should be at least 6,543,800 yuan × 50% = 500,000 yuan.
3. Can I buy a house in Wuhan with a loan if I am not a local hukou now?
If it is not a Wuhan hukou, it will be settled in Wuhan. Most banks must require lenders to provide proof of payment of military insurance for more than 1 year. There are only two options for foreigners to buy a house in Han, either paying in full or paying the certificate in insurance, and then applying to the bank for a new policy of buying a house in different places. For non-local residents who cannot provide local tax payment certificates or social security payment certificates for more than 1 year, housing loans will be suspended. Some banks have increased the down payment for foreigners to buy a house, and some banks have increased the loan for amateurs to buy the first suite by reducing the loan ratio and raising the loan interest rate. The minimum down payment is four.