Suzhou is also one of the cities that implement the policy of restricting purchases and loans. If you want to buy a house in Suzhou, you need to know the local mortgage policy in addition to the relevant purchase policy. So what are the mortgage policies in Suzhou? Next, Bian Xiao will give a brief introduction.

1. According to Suzhou's latest mortgage policy, we apply for a commercial loan to buy the first house, and the minimum down payment ratio is 30%. If you apply for a provident fund loan to purchase the first house, and the residential area does not exceed 90 square meters, and the total house price is not higher than 165438+ ten thousand yuan, the minimum down payment ratio is 20%. Moreover, individuals apply for provident fund loans for the first time, with a maximum amount of 450,000 yuan. If it is the first time for a family to use provident fund loans, the maximum amount is 700,000 yuan.

2. If when we apply for a commercial loan to buy a house, there is no house in the family name but there is a loan record, or there is a house in the family name but there is no loan record, then the minimum down payment ratio is 50%. If we have a house in our name and the loan is not paid off, then the down payment ratio will be relatively high, and at least 80% down payment will be required.

3. If you apply for a provident fund loan to buy a house for the second time, the minimum down payment ratio is 50%, and the maximum loan amount will be adjusted accordingly. Individuals use provident fund loans for the second time, with a maximum amount of 300,000 yuan; Families use provident fund loans for the second time, with a maximum amount of 500,000 yuan. At present, Suzhou does not provide commercial loans for third homes.

4. The interest rate of the first home mortgage of major banks in Suzhou is mostly the benchmark interest rate. Some banks have a 10% discount on the interest rate of the first suite, and some banks have a 15% discount on the interest rate of the first suite. The mortgage interest rate of second-hand houses is mostly 1. 1 times the benchmark interest rate. The specific mortgage interest rate is subject to the relevant regulations of the bank.

Bian Xiao concluded: What mortgage policies are there in Suzhou? Bian Xiao introduced it here. I hope everyone can understand Suzhou mortgage policy after reading this article. Before applying for a housing loan, you can learn about the relevant regulations of major banks on housing loans.

How to handle the second-hand housing loan in Suzhou?

Second-hand housing mortgage loan application materials (1) information required by the buyer 1) ID card (husband and wife), temporary residence permit (migrant population), household registration book (husband and wife), marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate), income or solvency certificate (issued by the company) and business license stamped by the company. Current passbook of the applicant's loan bank 8) Other materials required by the bank (2) Information required by the seller 1) Identity card (husband and wife), temporary residence permit (migrant population) 2) Household registration book (husband and wife) 3) Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate) 4) Certificate of consent of the spouse to sell (fixed format) Consumers generally have to "take seven steps": the first step: first, find the house they want to buy, but the house must have clear property rights (the house ownership certificate has been handled) and meet the conditions stipulated by the government for entering the real estate market. Step 2: Select the real estate transaction institution designated by the bank that can handle mortgage loan business (such as the real estate agent of Quanzhou Real Estate Transaction Management Office), complete the real estate value appraisal in this institution and pay the real estate appraisal fee. Step 3: When applying for a second-hand housing mortgage loan, you should fill in the loan application form and submit the above materials to the loan bank. Step 4: The bank will review the authenticity, legality and compliance of the information sent by the buyer and the credit standing of the borrower. After the approval, a loan commitment letter will be issued to the buyers, and the bank will indicate how many years of mortgage loans will be provided. Step 5: The buyer deposits the down payment of the house into the account of the real estate transaction institution designated by the bank, and the bank freezes it. After the down payment is delivered and the loan commitment letter is signed, the seller goes to Quanzhou Real Estate Transaction Management Office to handle the house transaction procedures. Step 6: After the house transaction procedures and the new real estate license are completed, the buyer signs a loan contract with the loan bank and goes through the mortgage, insurance and other related guarantee procedures. Step 7: the loan contract comes into effect, the funds are transferred to the account designated by the buyer, and then the buyer delivers the loan and the down payment to the seller together. If you need to apply for a loan, you can log in.

What is the down payment ratio of second-hand housing transactions in Suzhou?

The down payment ratio has nothing to do with the first suite and the second-hand house. The down payment ratio of individual housing loans according to commercial loans and provident fund loans is as follows:

1. The Buyer purchases the house through a commercial loan:

1. The buyer chooses a commercial loan to purchase the first house, with the minimum down payment ratio of 25% of the appraised house price and the maximum loan ratio of 75%;

2. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;

Second, the buyer's provident fund loan to buy a house:

1. The buyer chooses provident fund loan to purchase the first house, with the minimum down payment ratio of 20% of the appraised house price and the maximum loan ratio of 80%;

2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;

3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.

Extended data:

The whole process of second-hand housing transaction is roughly divided into the following stages:

(1) The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.

(2) If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign a house sales contract (or a house sales contract).

After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.

(3) The buyer and the seller apply to the real estate transaction management department for review. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited.

(4) contract. The real estate transaction management department shall, according to the property right status and the purchase object of the transaction house, report to the transaction department for approval step by step according to the approval authority set in advance, and both parties to the transaction may go through the formalities for signing the deed. Beijing has cancelled the contract for the sale of real estate during the transaction, which is also commonly known as the "white deed".

(5) Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.

(6), handle the transfer of property rights transfer procedures. After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate.

(7) For the buyer of the loan, after signing the house sales contract with the seller, the buyer and the seller go to the loan bank to handle the loan formalities. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.

(8) After the buyer has obtained the ownership certificate of the house and paid off all the house price, and the seller has delivered the house and settled all the property fees, all the second-hand house sales contracts of both parties have been fulfilled.