For families who purchase the first set of self-occupied housing with a building area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.
Adjust the interest rate of the second home loan, and enjoy a 15% discount on the basis of the first home loan interest rate. The interest rate of the second suite generally rose by 10%, and the down payment ratio was higher. The adjustment of the second home loan interest rate can effectively reduce the bank credit risk. Can reduce the increase in real estate prices.
What are the procedures for the second loan of mortgage house?
1. Buying a house in two mortgage can be divided into short-term secondary mortgage and bank secondary mortgage. If you only need money urgently for a short time and want to use the mortgaged house as a loan, you can divide it into two situations: having a house book and procedures: mortgage registration-loan notarization-lending. You can lend money on the same day. This is a loan from a guarantee company, which pays interest on a monthly basis and repays the principal at maturity. Generally suitable for customers who need money urgently in the short term. Some houses can only go to the guarantee company, and the short-term loan is one year, and the procedures are incomplete, so it is impossible to make a second loan from the bank.
2. The precautions for purchasing a second mortgage loan are as follows: If you have a house, you want to take a long-term loan; If you can get a second mortgage on a house, you can apply for a loan from a new bank, and then cancel the mortgage from the original bank after the loan is approved, so as to ensure the issuance of the second loan. Bank loans only charge loan service fees. For normal commercial housing, 1% of the loan amount is charged as the service fee of the staff, which will be charged after the bank approves the loan.
3. In the case of a house that wants a long-term loan but is in urgent need of money, you can pledge a second mortgage loan from the company on the same day, and then immediately operate the bank loan. Normal bank loans take about a month to lend, and after lending, the bank repays on a monthly basis, which not only solves the problem of urgent need of money, but also solves the problem of high monthly supply pressure of long-term loans.