It is common to buy a house with provident fund loans. Compared with commercial loans, the interest rate is generally lower and the cost performance is higher, but not all houses can be bought with provident fund loans. Can daping use provident fund loans?
1, see how big the Daping Building is. If it exceeds 144, it belongs to a luxury house, and you can't use provident fund loans, or you have to pay a very high down payment ratio. If it does not exceed 144, you can use the provident fund loan.
2. Individuals can borrow up to 400,000 yuan, with supplementary provident fund up to 500,000 yuan, and couples can borrow up to 600,000 yuan, and one of them can borrow up to 700,000 yuan with supplementary provident fund.
3. The balance in the provident fund is 15 times (if you buy a second-hand house), and if you buy a new house, it is 20 times the balance in the card.
4. Loan amount of provident fund = {monthly contribution of provident fund/(individual contribution ratio unit contribution ratio) monthly contribution of provident fund /240%- repayment in other months} loan period.
The above is an introduction about whether Dapingti can use provident fund loans, hoping to help.
The total price of the house is 650 thousand. Is it okay to borrow 600 thousand from the provident fund?
No way! The lowest is also 20%! Usually 30%
The loanable amount of provident fund loans varies greatly from place to place, but it mainly depends on the balance of provident fund account, the deposit period, the monthly deposit amount of provident fund and the age of the lender. Generally, the maximum loan for a single person is about 500,000 yuan, and the maximum loan for a couple is about 6.5438+0 million yuan.
Chenxi County 15299563993: How much is the down payment for a house with a total price of 650,000 yuan? Please help me calculate. Thank you-:calculate the loan according to the 25% down payment of the general house: 487,000 down payment:163,000 monthly payment: 49 19 yuan pays interest:180,000 monthly payment: 297 1 yuan pays interest: 390,000 monthly payment: 2,338 yuan pays interest. Monthly repayment 10: 5200 yuan to pay interest170,000 yuan to pay interest, 370,000 yuan to pay monthly repayment: 2,900 yuan to pay interest, 600,000 yuan down payment, 35% loan, 422,500 yuan down payment, 227,500 yuan to pay interest 10 month repayment: 4,800 yuan to pay interest180,000 month repayment.
Chenxi County 15299563993: Xiaoying's family plans to buy a house with a total price of 650,000 yuan. They can enjoy a 98% discount if they pay the house price in one lump sum. If the house price is paid in one lump sum, what is the total house price? -:6598% = 63.7 (ten thousand yuan) A: The total price is 637,000 yuan.
Chenxi County 15299563993: How much tax does it cost to buy a 650,000 house? (What tax to pay) -:( 1) deed tax; Pay1%for the first purchase of a house below 90 square meters; 90- 140m2 shall be paid at 0.5% of the house price of 65438+; /kloc-more than 0/40 square meters, pay 3% of the house price (2) business tax: the property right of the house is exempted for five years, and pay 5.5% of the house price for less than five years. (3) Land value-added tax; Housing property rights have been exempted for five years, not exceeding ...
Chenxi County 15299563993: What is the highest mortgage interest rate for a house with a total purchase price of 650,000 yuan? -:Generally, the down payment for the first mortgage house is about 30%, and the loan period is generally controlled before the age of 60. In other words, if you are 40 years old, you can only borrow it for 20 years at most. According to the current mortgage interest rate for the first home, the monthly interest rate is 3.465‰.
Chenxi County 15299563993: I buy a second-hand house with a total price of 650,000 yuan and a down payment of 300,000 yuan. How much does it cost? -:If you are a business, have no real estate under your name and buy a house for the first time, you can borrow 70% of the house price, 650,000 70% = 450,000, you can borrow 450,000, and the down payment = 650,000-450,000.
Chenxi County15299563993: How much is the deed tax for a house of 98 square meters? -:65438+ 0.5% of the initial house price, and 3% of the non-initial house price. See national regulations: the standard of deed tax for the first purchase of ordinary housing is within 90 square meters 1% and 90- 144.
Chenxi County 15299563993: What are the procedures for the transfer of a house worth 650,000 yuan? Gift: First, notarize the gift. All legal heirs must be present in person and sign, agreeing to be inherited by one of their grandchildren. Then, with the real estate license, inheritance certificate and party ID card, go through the transfer formalities at the Housing Authority, pay the deed tax of 3% of the house price, and other taxes are free. Transfer: the buyer and the seller sign a contract with the broker. ...
Chenxi County 15299563993: I bought an 88 square meter commercial house in Chengdu with a total contract price of 650,000 yuan. What is deed tax? This is the first suite, please help me to calculate the specific data-:the list of taxes and fees to be paid for second-hand housing transactions is as follows, of course, there may be slight adjustments in various places. 1. Taxes to be paid by the buyer: 1, deed tax: 65438+ 0.5% of the house price (3% is required for areas exceeding 144 square meters, commonly known as luxury house tax). 2. Land transfer fee:
Can luxury villas be mortgaged?
If you can apply for a mortgage loan from the bank, the bank will give you an appropriate loan amount according to your villa property rights and villa price. You can apply for a loan from any bank.
What's the interest rate for the villa loan?
1. Generally speaking, the land use of villas is generally residential, and many banks treat ordinary houses equally, so the annual interest rate for more than five years is 4.9%. However, some banks regard villas as luxury homes, and the loan ratio has increased. In this case, the villa loan interest rate of these banks is generally controlled at 6. 12%. Banks also have certain restrictions on the total amount of personal loans. If the total amount exceeds a certain standard, the loan ratio will be reduced. I hope my answer can help you.
2. The emergency passage will arrive quickly!
3. Generally, it is controlled around 6. 12%, but it is also related to many practical situations. For example, most Chinese banks have subdivision standards for the location of villas, which has a partial impact on loans. Some banks stipulate that the loan period of second-hand villas should not exceed 20 years; The loan amount is also limited to a maximum of 50%, and generally does not enjoy preferential interest rates. In addition, it is also related to the personal credit status of the loan. The better the credit status, the more likely it is to obtain the lower limit of the bank's mortgage interest rate and the maximum loan amount. I hope my answer is useful to you.