(three red line policies, that is, the asset-liability ratio of real estate enterprises excluding advance payment shall not be greater than 70%; The net debt ratio of housing enterprises shall not be greater than100%; The "short cash debt rate" of housing enterprises is less than 1. Implemented on 202 1 1 1. )
According to some banks that Lao Liang consulted recently, the online proportion of bank loans is 40%/32.5% for real estate loans and personal housing loans, 27.5%/20% for medium-sized banks, 22.5%/ 17.5% for small banks and 17.5%/65 for county rural credit cooperatives.
Mortgage procedure flow
1. The borrower shall fill in the Application Form for Housing Mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6. The loan applicant repays the loan on a monthly basis.
Repayment method
brief introduction
There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method.
Average capital
It is to divide the total loan into equal parts during the repayment period, and repay the equal principal and interest generated by the remaining loans in the current month every month.
Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.
Features: Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.
Average capital plus interest
During the repayment period, the same amount of loans (including principal and interest) will be repaid every month.
Monthly repayment amount = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]≤[( 1+ monthly interest rate )× repayment months]
Features: Compared with the repayment method in average capital, the disadvantage is that there are more interests. The interest in the initial repayment period accounts for most of the monthly contributions. With the gradual return of the principal, the proportion of the principal in the contributions increases. However, the monthly repayment amount of this method is fixed, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income.