Interest on the second-home provident fund loan: the annual interest rate for less than five years (including five years) is 3.85%; Five. At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.
Interest on second-home provident fund loans: BOC, CBRC and the Ministry of Housing and Urban-Rural Development jointly reduced it from 60% to 40%, and Volkswagen adjusted it to 20%.
If the first housing loan has been settled, the Ministry of Finance will also exempt the sales business tax period of individual commercial housing for the second housing, which will be adjusted from the previous five years to two years.
Interest rate of second-home commercial loan:
Benchmark interest rate for commercial loans: 5.90%.
In the new mortgage policy, if there is 1 house but the loan has been settled, then apply for a loan to buy a "second house". If the loan interest rate is low and the mortgage has not been settled, then borrow to buy%.
Interest rate of second-home provident fund loan:
Loan term: 5 years (inclusive; More than 5 years, 4.40%.
At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.
Second, what is a second home loan?
According to the document No.20 20 10/0 of China People's Bank and China Banking Regulatory Commission on September 29th, 275, as long as the customer has ever had a real estate license or handled a housing loan in China Bank, it is considered as a second suite. Even if the customer has sold the property, even if he is sleeping on the street at present, it is still a second suite.
Three-suite and two-suite regulations?
2 package definition
The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the place where the house is to be purchased for more than 1 year, otherwise it will be calculated as the second home loan.
Basic information
Chinese name
Two-package definition
Foreign name
Binary definition
Terminology category
definition
ask
First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);
Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level;
Third, families who have used loans (including provident fund loans) to buy houses and then applied for housing loans from commercial banks.
Identification standard
On the evening of the 4th, the Ministry of Housing and Urban-Rural Development published the Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans on its website. The circular pointed out that the number of residential units in commercial individual housing loans in various places should be determined according to the number of complete housing units actually owned by family members who are interested in buying houses (including borrowers, spouses and minor children). The following is the full text of the notice:
Notice on standardizing the second set of housing identification standards in commercial individual housing loans
Fang Jian [2010] No.83
All provinces, autonomous regions, municipalities directly under the Central Government, cities with separate plans and provincial capitals (Project Construction Committee, Real Estate Bureau), Shanghai headquarters of China People's Bank, branches and business management departments, city center branches of provincial capitals, sub-provincial city center branches, banking regulatory bureaus, commercial banks, joint-stock commercial banks and China Postal Savings Bank:
In order to implement the Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities (Guo Fa [2065 438+00] 10No.) and standardize the second set of housing identification standards for loan applicants (hereinafter referred to as borrowers) in commercial personal housing loans, relevant matters are hereby notified as follows:
First, the number of residential units in commercial personal housing loans should be determined according to the actual number of complete sets of housing units owned by family members who intend to purchase houses (including borrowers, spouses and minor children, the same below).
Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.
If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.
Three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:
(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;
(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;
(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).
IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.
For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.
Five, all localities should take the construction of urban housing registration information system as an important work to implement the the State Council [2065 438] 10 document. Cities with incomplete data should further improve their systems; Cities that have not yet established a housing registration system should speed up construction. Before the end of 20 10, all cities with districts should basically establish a housing registration information system.
4. What is a second home loan?
As a novice homebuyer, the knowledge about the second home loan and the second home loan may not be very clear. But don't worry, I will briefly introduce you to the problem of second home loan.
What is a second home loan?
The second home loan, as its name implies, is a loan that the borrower applies for when buying a second home. The identification of the second suite is based on the family, which recognizes both the house and the loan. Family members with real estate or mortgage records are identified as second suites.
Under what circumstances will it be recognized as a second suite by the bank?
1. If there is a house in the name of parents, buy a house in the name of minor children.
According to the latest policy, family members mainly include borrowers, spouses and minor children, that is, minor children are also included in the family. Therefore, when applying for a loan to buy a house in the name of a minor child, it is implemented according to the second suite policy.
If you own a house as a minor, you can borrow money to buy a house as an adult.
According to the bank's "loan recognition and housing recognition" regulations, if the existing real estate is not sold, the re-loan purchase will be regarded as a second suite, which will be implemented according to the second suite policy. According to the past policy, as long as there is no loan, the minor property does not belong to the second suite when applying for a mortgage.
3. If there is a house bought in full under the name of the individual, then buy a house with a loan.
Previously, it was only "loan recognition", so this situation does not belong to the second suite. But now, "house recognition" has been added. Although loans have been made before, as long as there is a set of real estate under the name of the housing property rights trading system and the existing real estate is not sold to apply for a loan, it will be regarded as a second suite.
4. Individuals have a loan to buy a house, and then use the loan to buy a house after the sale.
The bank recognizes that the second suite is "recognizing the house and recognizing the loan", that is to say, although the property bought by the loan is sold, there is no house under the family name, but because of the previous loan record, the application for mortgage will also be recognized as the second suite.
Editor's summary: After reading the above introduction, I believe everyone has a further understanding of what a second home loan is. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.