China Bank Guangdong Housing Provident Fund Loan Amount:
The maximum amount of personal loans is 500,000, and the maximum amount of loans for two or more house holders is 800,000.
The above contents are for your reference. Please refer to the actual business regulations.
The ratio of individual housing credit in Guangdong that cannot be repaid on schedule
The proportion of individual housing credit in Guangdong that cannot be repaid on schedule
In 2020, the proportion of individual housing loans to all loans cannot exceed the city average. In addition, the monthly personal mortgage payment cannot exceed the average loan amount of 65438+65438+1October in 2020.
The report also quoted bankers as saying that the Guangzhou Branch of the People's Bank of China did have window guidance last week, requiring that the proportion of new personal housing loans should not exceed 12.6%, and that the amount of new personal housing loans should not exceed the average lending amount in 2020 10 month, 165438 month and 12 month. Unlike the five red lines set by different types of banks in China, this window guidance is standard for all banks in Guangzhou.
It is reported that on June 3, 2020, the central bank and the China Banking Regulatory Commission issued the Notice on Establishing the Management System for the Concentration of Real Estate Loans of Banking Financial Institutions, clarifying that from June 38, 2020, seven large Chinese banks, 1 0/0/7 medium Chinese banks.
Specifically, the upper limit of the overall proportion of real estate loans (including enterprises and individuals): 40% for large Chinese banks, 27.5% for medium-sized Chinese banks, 22.5% for small Chinese banks and non-county rural cooperative institutions, 7.5% for county rural cooperative institutions, and 0/2.5% for village banks; Upper limit of individual housing loan: 32.5% for large Chinese banks, 20% for medium Chinese banks, 17.5% for small Chinese banks and non-county rural cooperative institutions, 12.5% for county rural cooperative institutions and 7.5% for village banks.
What is the business of China Bank's Guangdong housing provident fund loan?
Introduction of China Bank Guangdong Housing Provident Fund Loan;
Personal housing provident fund loans refer to loans entrusted by local housing provident fund management centers to commercial banks to pay for housing provident fund purchase, construction, renovation and overhaul. Personal housing provident fund portfolio loan refers to the borrower's application for commercial personal housing loan from the entrusted bank when the personal housing provident fund loan is insufficient to pay the house purchase price, and the entrusted bank gives the borrower a combination of personal housing provident fund loan and commercial personal housing loan.
The above contents are for your reference. Please refer to the actual business regulations.
Guangdong first home loan policy, 20 19 Guangdong first home loan interest rate and down payment ratio regulations
Guangdong province's new mortgage down payment policy, mortgage down payment ratio adjustment
The down payment of the first home loan can be reduced to 25%, except Guangzhou and Shenzhen. Following the news from CCB Guangdong Branch, several banks followed up.
Yesterday, Aiyang reporter learned from a number of banks that the self-discipline mechanism of interest rate pricing in Guangdong market issued a document: except for Guangzhou and Shenzhen, the down payment of bank mortgages in other cities can be reduced to 25%. This means that the scope of banks and cities that reduce the first home loan has expanded, and both state-owned banks and joint-stock banks can implement the new mortgage policy in cities other than Guangzhou and Shenzhen.
According to bank insiders, the self-discipline mechanism of interest rate pricing in Guangdong market is to hold an internal meeting on June 10. This adjustment is mainly based on the requirements of the Notice of the People's Bank of China and the China Banking Regulatory Commission on Further Improving the Differentiated Housing Credit Policy, the principle of "classified guidance and local policies", and the requirements of local government real estate regulation and control. It is decided by the self-discipline mechanism of interest rate pricing. Guangdong Province (except Shenzhen and Guangzhou) will adjust the minimum down payment ratio to
A number of bankers said that the introduction of the new regulations was not unexpected. Some bankers explained that excluding Guangzhou and Shenzhen is not only considering the real estate market situation of these two cities, but also considering that they are all restricted cities.
Previously, CCB had said that Conghua and Zengcheng in Guangzhou could be included in the New Deal. Is it still like this today? In this regard, many bankers said that the original text of the document is "Guangzhou", so it should be understood that Conghua and Zengcheng can no longer implement preferential policies. However, since the document has just been issued, we have to ask for instructions from our superiors.
Foundry account
Buying a million yuan of real estate will reduce the monthly supply by more than 600 yuan.
Total price of first-time purchase of real estate: 6,543,800 yuan+0,000 yuan; Commercial loan, paid off in 20 years.
According to the policy of 65438+ 10 last year: down payment: 300,000 yuan; Loan: 700,000 yuan; The benchmark interest rate for loans over 5 years is 6. 55%, the bank has no discount on the benchmark interest rate, and the monthly supply and demand is 5240 yuan. According to the current policy: the benchmark interest rate is 5. 15%, minimum bank call 8. 20% discount, down payment of 250,000 yuan, loan of 750,000 yuan, monthly payment of 4,633 yuan. The down payment was reduced by 50,000 yuan, and the monthly payment was reduced by more than 600 yuan.