You said 4 million is the evaluation value or the market price. If you have an ordinary mortgage, it is 70% of the appraised value. If you have a company, you can make it full. If you repay flexibly, you can match the principal and interest, and you can also repay the principal at one time at monthly interest! The monthly payment can be counted, depending on how much you borrowed!
Second, how to get preferential loans for first-hand housing mortgage loans in Beijing?
According to the financial consultant guaranteed by Beijing Liuxing Wantong, even if it is the first time to buy a first-hand mortgage in Beijing, there may not be preferential interest rates. Now that the benchmark interest rate is above, banks are reluctant to lend, so it may not be so easy to apply for a loan. You just need to find a bank that can lend normally. Interest rate concessions are now impossible.
Three. Preferential policies for the first home loan 202 1
The down payment ratio of the first suite is generally low. Of course, cities with restricted purchases will be higher, reaching 30%, and the down payment ratio of ordinary commercial housing will be no less than 50%. The interest rate of the first home loan policy is lower. The interest rates of provident fund loans and commercial loans have been reduced. 1. Housing loan, also known as housing mortgage loan, refers to the application form for housing mortgage loan filled out by the buyer to the loan bank, as well as the supporting documents required by legal documents such as ID card, income certificate, housing sales contract and guarantee letter. 2. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer, and the bank issues the loan within the time limit stipulated in the contract. Third, mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings. Fourth, real estate mortgage loans generally need professional real estate guarantee companies to handle. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage loans to meet temporary consumption needs and even business needs, so as to revitalize the real estate held by residents. Among various financing channels, real estate mortgage loans are still one of the lowest cost ways. 5. The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by 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; Six, in line with the relevant laws and regulations of the housing ownership certificate or proof that I have control over the house; 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.
I want to ask, what should I do to get a mortgage in Beijing? What aspects should we pay attention to?
To make a mortgage loan in Beijing, you must first consult whether your house meets the mortgage loan conditions. Secondly, we should understand the relevant processes and prepare relevant materials. In addition, we need good credit information and no bad credit record. Silver. Finally, make a comprehensive decision on whether to wholesale.