First, the down payment ratio of the second suite in Haikou is 2020
1, a notice jointly issued by the central bank, the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission, stipulates that for households that already own/kloc-0 apartments in Haikou and the corresponding housing loans have not been settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied houses, and the down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
2. When buying a house, many people will hear the sayings of "recognizing the house and recognizing the loan" and "denying the house". First of all, when defining the second suite, if the borrower has registration information in the local housing registration system, then when buying a house, the house will be defined as the second suite and above. Secondly, loan identification means that when defining the second suite, if the property buyer has registered the information of loan to buy a house in the bank credit information system, then when applying for a loan to buy a house, the house is defined as the second suite and above.
At the end of March 2016 and the beginning of July 20/kloc-0, many cities across the country started the policy of restricting the purchase of second homes, and the down payment ratio of second homes was constantly adjusted. Basically, the down payment ratio is also 40%, Haikou City is included in these cities, and the down payment ratio of the second suite is also 40%.
2. What is the interest rate of the second home loan in Haikou?
1. If you buy the first suite in Haikou, you can enjoy some local preferential loan policies. However, if you buy a second suite, the loan interest rate will be raised accordingly.
2. The interest rate for the second suite is 5.60% if it is within six months (inclusive), 6.00% if it is within six months to one year (inclusive), 6. 15% if it is within one to three years (inclusive), and 6.40% if it is within three to five years (inclusive).
3. For families who purchase a second home by loan, the down payment ratio of the loan shall not be less than 40%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.
4. For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management.
5. It can be seen that the more you buy a house in Haikou, the more difficult the loan is, and the loan interest rate will increase accordingly. The purpose of this is to avoid malicious real estate speculation and maintain the stability of housing prices.
Three, Haikou housing provident fund loan conditions
In Haikou, all natural persons who have paid the housing provident fund in full for more than half a year and have full capacity for civil conduct can apply for personal housing provident fund loans if they still pay the housing provident fund normally when buying, building, renovating or overhauling their own houses. A borrower applying for a personal housing provident fund loan shall meet the following conditions:
1, with legal and valid identity documents.
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.
3. To purchase owner-occupied housing (commercial housing, unit housing and second-hand housing), a legal purchase contract or agreement must be issued; The approval documents of the land, planning and construction management departments at or above the county level must be issued for the construction and renovation of self-occupied housing; If the owner-occupied housing is overhauled, the appraisal certificate issued by the department with housing quality appraisal qualification shall be provided.
4, the purchase of commercial housing and housing units to raise funds, should pay a down payment of not less than 20% of the total price of the purchased housing; For the purchase of second-hand houses, the down payment shall not be less than 40% of the total price of the houses purchased; Construction, renovation and overhaul of owner-occupied housing, self-raised funds shall not be less than 50% of the cost of construction and overhaul of housing.
5. Agree to guarantee according to the guarantee approved by the Center.
6. Before the borrower pays off the housing provident fund loan, the borrower and his spouse may not apply for the housing provident fund loan again.
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