How about the housing mortgage loan of Chengdu Rural Commercial Bank? The housing mortgage loan of Chengdu Rural Commercial Bank is aimed at lenders who have legal purchase contract agreement, continuous work 1 year and monthly income of more than 6,000 yuan.
Loan information
loan limit
Terminology scope
Lending time
Fee Schedule
Repayment method
1- 1 million
12-240 months
15 working days
The first set is 5.5675%(8.5 fold).
2 sets of 7.205%( 1. 1 times)
instalment repayment
Application conditions
1, with full capacity for civil conduct and legal and valid identity documents.
2. Have the ability to repay the loan principal and interest.
3. Good credit status
4. A legal and effective house sales contract has been signed, and the house purchased is for residential use.
5, there is no less than the minimum required proportion of the first payment certificate.
6. In principle, the purchase of housing requires mortgage guarantee.
7. The individual's monthly income is not less than 6,000 yuan, and the continuous working or operating years are not less than 1 year.
8. Other conditions stipulated by the Agricultural Bank.
The mortgage loan amount of Chengdu Rural Commercial Bank is medium, with the maximum amount of 654.38+0 million, the longest loan period of 20 years, and the loan time is medium, which takes 654.38+0.5 working days. An outstanding advantage of Chengdu Agricultural Bank is the expected annualized interest rate discount for the first suite. The expected annualized interest rate of the first suite is 5.5675%(8.5 fold), which can save a lot of loan costs.
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20 17 what is the interest rate of Chengdu Bank's personal housing loan in Chengdu?
The annual interest rate is around 4%-6%.
Materials to be prepared for mortgage to buy a house loan:
1. Original and photocopy of ID cards of the borrower and spouse;
2. The original and photocopy of the household registration book of both husband and wife of the borrower;
3. Proof of marital status;
4. The original purchase agreement;
5. The original and photocopy of the advance receipt for 30% or more of the house payment;
6. proof of income;
7. Bank flow;
8. Academic certificate;
9. Bank deposit certificate;
10, other financial certificates;
1 1, the collection account number of the developer;
12, other materials specified by the bank.
What do you need in mortgage to buy a house?
With the improvement of people's living standards, more and more people plan to go to mortgage to buy a house. Then the problem is coming. Do you know what the conditions in mortgage to buy a house are? What information does Chengdu need to buy a house loan? Next, let me reveal the answers for you one by one.
What do you need in mortgage to buy a house?
1. The applicant is over 18 years old and has a permanent residence in Chengdu.
2. Have a stable economic income and the ability to repay on time.
3. Hold a valid purchase contract.
4. Being able to provide collateral recognized by the lending bank.
5. Be able to pay the down payment for the house.
6. Other conditions required by the lending bank.
What information does Chengdu need for housing loan?
1. Valid identification of myself and my spouse: ID card, household registration book or other valid proof of residence.
2. Work certificate and income certificate: self-deposited in the bank, income certificate issued by the company, etc.
3, housing sales (pre-sale) license or property ownership certificate.
4. Legally purchased housing contracts, agreements and related approval documents.
5. Other conditions required by the lending bank.
Mortgage loan process
The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
After receiving the application, the loan bank shall confirm and review the information;
After the approval, the loan bank contacts the lender and signs the relevant contract;
When the bank lends money, the lender performs the repayment responsibility.
Is it easy to buy a house loan in Chengdu?
1, first-hand housing mortgage loan
If you want to buy a newly developed property, you need to use the property as collateral and apply for a mortgage loan from the bank. The required materials include identity certificate, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate and guarantee certificate.
2. Second-hand housing mortgage loan
If you buy a second-hand house, you need real estate as collateral and apply for a mortgage loan from the bank. The required materials include the identity certificates of the buyer and the seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, evaluation report, buyer's income certificate and no house certificate.
Editor's summary: After reading the above introduction, I believe everyone has a better understanding of the conditions in mortgage to buy a house. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.
What is the down payment ratio of 20 17 Chengdu second suite? How to get a loan for the third suite?
The down payment ratio of the second housing loan shall not be less than 50%, and the third housing loan shall be suspended.
201April 17, the State Council issued the Notice on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities, and put forward ten measures, which were called "New Ten Articles" by the industry and required by the "New Ten Articles":
1. The down payment ratio of family loans for the first self-occupied house with a construction area of over 90 square meters shall not be less than 30%.
2. When buying a second house with a loan, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.
3, commodity housing prices are too high, rising too fast, tight supply areas, commercial banks can be based on the risk situation, suspend the purchase of third and above housing loans.
4. Non-local residents who cannot provide local tax payment certificate or social insurance payment certificate for more than 1 year will be suspended from issuing house purchase loans. The local people's government may, according to the actual situation, take temporary measures to limit the number of housing units within a certain period of time.
5. The Ministry of Finance and the State Administration of Taxation should speed up the research and formulation of tax policies to guide individuals' reasonable housing consumption and regulate personal property income.
6, affordable housing, shantytown renovation and small and medium-sized ordinary commodity housing land is not less than 70% of the total supply of housing construction land, and give priority to ensuring supply.
7. In areas where housing prices are too high and rising too fast, the supply of public rental housing, affordable housing and price-limited commodity housing should be greatly increased.
8, pay close attention to the development of 20/kloc-0-2012 years of affordable housing construction plan (including all kinds of shantytown renovation, policy housing construction), and announced to the whole society before the end of July 20 10;
Extended data:
Second suite identification standard:
1, parents have a house and then buy a house in the name of their minor children. According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also listed as family members. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.
2. When I was a minor, I had a property under my name, and then I could borrow money to buy a house when I was an adult. According to the current bank's "loan recognition", if the existing property is not sold, the second loan purchase belongs to the second suite, which will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for the minor's property, it does not belong to the second set of mortgage loans.
3. If there is a house purchased in full under the name of an individual, then this house can be purchased by loan. In the past, we only "recognized the loan", not counting the second suite, but now we have added "recognized the house". Although there is no loan, as long as we can find the property in our name in the property rights transaction system, we will also be recognized as the second suite without having to sell it and apply for a loan.
4. There is a loan under the personal name to buy a house, and then the loan is used to buy a house and sell it. At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan". That is to say, although the property bought by the loan is sold and there is no house under the family name, the application for mortgage will be counted as the second suite because of the previous loan record.
5. Use commercial loans for the first purchase and provident fund loans for the second purchase. At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, whether the mortgage is settled or not, even if he has never used the provident fund loan, the first application for the provident fund loan will be counted as the second suite.
6. One party borrowed money to buy a house before marriage and applied for a loan to buy a house in the name of the other party after marriage, but their accounts were not together. After the marriage, both husband and wife have registered their marriage in the Civil Affairs Bureau, although their registered accounts have not dropped together. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples cannot provide proof of single status, so when buying a house again, the other party will be counted as a second suite.
7. After marriage, both parties jointly borrow money to buy a house, and after divorce, one party applies for a loan to buy a house.