Hangzhou is a city with a long history and beautiful scenery, which attracts home buyers to invest and buy properties. However, home purchases inevitably face loan problems. So what are the housing loan policies in Hangzhou? ?What are the requirements for getting a loan to buy a house in Hangzhou? Let’s take a look with the editor below!
What are the housing loan policies in Hangzhou:
(1) Commercial loan policy
1. First house
There is no house or house in the local area For loan records, the down payment cannot be less than 30%.
2. Second house
If a family has a house in the urban area, or has no house and a loan record, and applies for a commercial loan to buy a house, it belongs to the second house, and the down payment ratio cannot be less than 60 %.
(2) Provident Fund Loan Policy
1. First House Home
If an employee’s family has no house in its name and no housing loan record, the policy for the first house will be followed. The loan down payment ratio cannot be less than 30%, and the provident fund loan interest rate shall be based on the benchmark interest rate of housing provident fund loans for the same period.
2. Second house
For families who already have a house and want to buy a second house, the down payment ratio cannot be less than 60%, and the loan interest rate is 1.1 times the bank provident fund benchmark interest rate for the same period. .
What are the requirements for obtaining a loan to buy a house in Hangzhou:
1. First-hand mortgage loan application conditions
(1) Have legal and valid identity certificates and marriage status certificates.
(2) Have a good credit record and willingness to repay.
(3) Have stable income and the ability to repay on time.
(4) Have a sales (pre-)sale contract or letter of intent for the house;.
(5) Have the ability to pay the down payment for the house purchased.
(6) Open a personal settlement account at the bank.
(7) There is an effective guarantee recognized by the lender.
2. Second-hand housing mortgage loan application conditions
(1) The borrower’s legal identity document.
(2) Proof of borrower’s economic income.
(3) Borrower’s household registration book.
(4 The borrower must provide proof of marital relationship.
(5) If there is a *** who is the same as the borrower, the *** must sign a written commitment to repay the loan.
(6) Proof of title of second-hand house
(7) "House Sales Contract" signed with the seller
(8) If a mortgage loan is required. There is a mortgage appraisal report issued by the appraisal agency.
(9) A written authorization letter from someone who owns the property agrees to sell it.
(10) Other requirements required by the lender. Documents or information.
Article summary: Okay, that’s all the relevant knowledge about Hangzhou’s housing loan policies and what are the requirements for buying a house with a loan in Hangzhou. Friends who need to know more, please continue. Follow Qijia.com and we will have more exciting content for you in the future.