On June 8, Phoenix Jun learned from the credit departments of many commercial banks in Zhuhai that the latest mortgage policy has been implemented.
Starting today, the first set of non-loan houses in Zhuhai's non-restricted areas will be purchased, and the down payment ratio will be reduced to 20%. At this point, Zhuhai's policy of restricting purchases and loans has been fully relaxed. However, since the mortgage policy has not been officially announced, I suggest that you take the actual operation as the standard.
Specifically:
1, the first set has no loan record, which is lower than 144_: 20% down payment; 144_: 30% down payment.
2. Buy two sets, and the first loan has been settled, which is lower than 144_: 30% down payment; 144_: 60% down payment.
3. Buy two sets, and the first loan is not settled, which is lower than 144_: 30% down payment; 144_: 60% down payment.
4, three sets and above, the full amount, this item has not changed.
The down payment is as low as 20%, and the mortgage interest rate is as low as 4.25%.
Zhuhai welcomes the window of buying a house
It is worth noting that the mortgage policy is only implemented for non-restricted areas. Zhuhai's unrestricted areas include Xiangzhou District (Nanping and Wanchai), Hezhou New District (Hengmen and Bonded Zone), High-tech Zone, Jinwan District and Doumen District.
On May 15, the central bank issued a notice: the lower limit of the interest rate of the first set of commercial personal housing loans was adjusted to not less than the LPR minus 20 basis points in the same period!
On May 20th, the central bank cut interest rates more than expected, and the five-year LPR dropped from 4.6% to 4.45%, down 15 basis points from last month.
On May 23rd, Phoenix learned that foreign banks Standard Chartered Bank, HSBC and state-owned bank China Construction Bank had taken the lead in joining the "4.45% first suite" team. Soon after, the major banks in Zhuhai refreshed the mortgage interest rate again:
That is, the first home loan, the minimum mortgage interest rate is 4.25%! Second, most banks report from 5.05%.
Attached is the latest investigation report of Zhuhai 13 Bank:
It is worth noting that the credit managers of some banks, such as Bank of China and Industrial and Commercial Bank of China, have mentioned that the minimum interest rate of 4.25% is the need to examine and apply for the loan qualification of home buyers.
Guide to Buying Houses for Families with Different Monthly Income in Zhuhai
Recently, according to the latest mortgage interest rate of prime Bank in Zhuhai (4.45% for the first suite), Phoenix has calculated the monthly mortgage for purchasing various properties for your reference.
If you want to grasp the current easing period of Zhuhai market, you can pay attention to it.
Interpretation of Zhuhai's latest purchase restriction policy
Where is the restricted area?
At present, the restricted purchase areas are Jida, Gongbei, New and Old Xiangzhou, Qianshan and Hengqin in Xiangzhou District; In addition, they are all off-limits.
How many sets of household registration can I buy in Zhuhai?
If the household registration is in Zhuhai, you can buy up to 3 houses (including a second-hand house) within the limit of purchase in Zhuhai. At present, the villa is not within the scope of purchase restriction.
How do foreigners (including Hong Kong and Macao people) buy a house in Zhuhai?
If the household registration is not in Zhuhai, you can buy at most 2 sets in the restricted area, and you can't buy in other areas.
How do foreigners (including Hong Kong and Macao people) buy a house in Hengqin?
Foreign household registration in Hengqin can buy up to 2 houses. Other areas are not limited to purchase.
Which houses are completely unlimited in purchase and loan?
Commercial housing is not limited to purchase and loan, because it is different from residential products in nature, it should be purchased according to its own needs.
How many years after buying a house?
Regardless of Zhuhai household registration or non-local household registration, the city has a three-year sales period.
Multi-city adjustment of property market policy in Bay Area
If you look at Greater Bay Area, seven other cities in Greater Bay Area have gradually adjusted their property market policies since May.
Recently, Guangzhou has relaxed the property market by relaxing social security and household registration conditions.
Zhuhai provident fund loan amount
The maximum amount of personal provident fund loans in Zhuhai is 400,000 yuan. The formula of loanable amount of housing provident fund loan is: sum of individual monthly contributions of the borrower and spouse provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (longest loanable period). Note: 1. The loan ratio shall not exceed 80% of the total house price. 2. If the deposit ratio of husband and wife is inconsistent, the actual deposit ratio shall be determined by the party with higher proportion. For loan applications that meet the above conditions, Chengdu Provident Fund Center will comprehensively evaluate the credit status and repayment ability of the loan applicant and determine the final loan amount.
1. What are the requirements for provident fund loans?
1. On-the-job employees who have paid the housing provident fund for more than half a year and have the ability to repay; (refers to the normal continuous deposit of provident fund for more than half a year when applying for a loan) (the monthly deposit amount should meet the minimum standard of this Municipality)
2./kloc-a natural person aged 0/8 to 60 with full capacity for civil conduct.
3. The applicant has a legal and stable income and has the willingness and ability to repay on time.
4. The applicant's personal credit record is good (mainly based on the personal credit report of the credit information system of China People's Bank).
5. The applicant agrees to mortgage the purchased property.
2. What is the amount of provident fund loan?
A person who has paid the housing provident fund can borrow up to 300,000 yuan to buy a house.
Buyers who have paid housing provident fund for two or more people can borrow up to 500,000 yuan when buying a house.
The above-mentioned "two people": they can be husband and wife, relatives, friends and other buyers (that is, the loan contract must have the names of these people).
What are the requirements for a discount loan for entrepreneurship in Zhuhai, Guangdong? Not a real interest-free loan
Zhuhai is one of the important cities in Guangzhou with rapid economic development. You can also apply for a discount loan to start a business here, which is suitable for friends with dreams to pursue their dreams. However, the requirements of commercial discount loans are different from ordinary loans, and the application process is also different. Here is a brief introduction.
In 2020, the discount policy for venture loans in Zhuhai has been introduced. Eligible people can apply for discount loans when starting a business in Zhuhai. The loan interest rises by 3 percentage points on the basis of the central bank's benchmark interest rate, and the local finance gives discount according to the actual probability. The benchmark interest rate of 1~3-year loans announced by the central bank is that if the loan interest rate is higher than this, you can enjoy preferential treatment.
First, Zhuhai commercial discount loan application conditions:
1. Borrower 18~45 years old or above, with Zhuhai household registration or fixed residence;
2. Have the ability to repay loans and provide loan guarantors;
3. Entrepreneurial projects must conform to the relevant national industrial policies and have market competitiveness.
Two, Zhuhai city commercial discount loan application process:
1. Application: The borrower should apply to the community in Zhuhai where the household registration is located, or apply for a loan to the resident community, and submit relevant materials.
2. Audit: After receiving the loan application and materials, the community conducts a preliminary investigation and verification of the applicant's identity, then issues a certificate, and then submits it to the sub-district office, which verifies the borrower's basic situation, project situation and repayment ability, issues a book, and then submits the audited materials and materials to the local loan handling bank in Zhuhai for final investigation and approval.
3. Bank loan: The bank will lend money after approval.
It should be noted that the discount loan for starting a business is not a real interest-free loan. After repaying the principal and interest on schedule, the borrower may apply for discount within 20 days after the end of each quarter or after paying off all the principal and interest.
What does Zhuhai enterprise loan information include? Introduction of loan process
Zhuhai is a coastal area with rapid economic development. Many people start businesses and companies here. Because they don't have strong economic strength, they need to rely on loans to maintain their business. Many of them are first-time loans, and they don't know much about the information and loan process needed for loans. Here is a brief introduction.
1. What does the loan information of Zhuhai enterprises include?
Enterprise loan information mainly includes two aspects, one is the enterprise's own information, and the other is the borrower's information.
1. Borrower information: The person who applies for a loan from the loan company on behalf of the enterprise is generally the business owner, major shareholder or legal person, and needs to provide his/her valid ID card, spouse's ID card, household registration book and proof of assets.
2. Information of the enterprise itself:
This requirement is more, one is to prove that the enterprise has business qualifications, the other is to prove that the enterprise pays taxes in good faith, and the third is to prove that the enterprise has revenue ability.
1) Information proving business qualification, including business license, code of qualification institution, tax registration certificate, office land lease contract or property ownership certificate, etc.
2) Information to prove that you have paid taxes in good faith: generally, you need to provide proof of continuous tax payment for more than 2 years, depending on the requirements of the lending institution.
3) Information proving that there is revenue: corporate accounts for one year, financial details, etc.
Second, Zhuhai enterprise loan processing process
1. An enterprise shall apply for a loan from a lending institution, fill in an enterprise loan application form and submit the above materials, which shall be examined and approved by the lending institution.
2 institutions to evaluate the credit and information of enterprises, and initially judge whether they meet the conditions for starting credit business;
3. After the preliminary examination, the enterprise is required to sign a loan contract. Where collateral or pledge is provided as security, mortgage registration and pledge registration must be handled in accordance with regulations.
4. The lending institution will transfer the funds into the enterprise account. After receiving the account, the enterprise shall return the funds to the enterprise for production and operation according to the specified purposes.
5. The enterprise repays the loan according to the contract every month, or settles the loan in advance at one time.