Near the end of the year, the bank's lending business began to tighten, and Xi 'an's purchase restriction policy has also been liberalized, so buyers are very concerned about whether the bank's mortgage policy has changed. At present, Xi's mortgage policy is as follows:

Xi 'an pays 20% down payment for the first home loan and 30% down payment for the second home loan.

For buyers who work locally in Xi 'an, the down payment for the first home mortgage is generally 20%, and a small amount is 30%. According to the age of the buyer, the nature of the unit, personal credit information and other decisions. State-owned units and institutions can be appropriately relaxed. China Construction Bank, China Bank and Chang 'an Bank shall implement this provision. China Bank, China Construction Bank, Bank of Communications and China Merchants Bank will make a down payment of 30% for the first home mortgage of Xi 'an local registered buyers and "single-family" buyers who buy the second home (that is, locals work in other places and foreigners work in other places).

The down payment for non-Xi household mortgage is 30% for the first suite and 40% for the second suite.

Shaanxi people who are not registered in xi 'an will make a down payment of 30% on the first home loan in Xi 'an, which will be implemented by Bank of China, China Construction Bank and Bank of Communications. The down payment for the second home loan is 40%, but banks such as Shanghai Pudong Development Bank and Zhongxing Bank have more strict review on the purchase of houses by Shanbei people in Xi 'an.

The down payment ratio of Xi "double-outside" people has increased.

"Double foreign" means that both husband and wife are not registered in Shaanxi and do not work in Shaanxi. If the credit information is good, the down payment for purchasing the first suite in Xi 'an can be 20%, but it is generally 30%. Some properties will also suggest that "double-outside" buyers with better economic ability should make a down payment of mortgage according to 30%. "Double foreign" people buy two suites in Xi 'an with a down payment of 40%. However, the Bank of Communications has not accepted the mortgage of the second suite of "double-foreign" people, and banks such as Pudong Development Bank and ZTE have been more strict in reviewing the credit of "double-foreign" people from Henan and Fujian.

The credit review of buyers is more stringent, especially for "double-outside" buyers.

At present, Xi's banks, such as China Bank and China Construction Bank, etc. For the "double-foreign" crowd, the policy of "accepting loans but not accepting houses" is adopted, that is, no matter how many houses you sell in other places, as long as you have outstanding loans, you will refuse to lend when you buy a house in Xi 'an. If you buy a second suite or a third suite in Xi 'an, you will not lend. Banks such as Shanghai Pudong Development Bank and ZTE have strict auditing on buyers with high loans, use of guarantee funds, loans overdue and poor credit, and slow lending. Some people may be refused loans.

Remind buyers:

1, now buying a house depends not only on the real estate, but also on the bank. Try to choose a bank that can make a mortgage. At present, the qualification examination of buyers in Xi 'an is strict.

2. Before deciding to buy a house, check your credit information through a bank that can cooperate with real estate to make a mortgage, and then buy a house after passing. Spend some time in this link, and after you figure it out, you can save unnecessary trouble.

(The above answers were published on 20 17-0 1-06. Please refer to the actual situation for the current purchase policy. )

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