Current banking policy (updated to July 2007 17, 20 1)
CCB: Quality customers accept 60% of the first suite of Chongqing hukou, and the interest rate of the first suite is10; The second suite floats 20; Accept notarization but the original owner needs to collect money, and do not accept houses above 15. Remarks: outsiders do not accept it in principle, depending on the communication quality of specific customers.
ICBC: 70% of the first suite, and the interest rate of the first suite: floating10; The second suite rises by 20%, and only accepts the loan of residential elevator room within 15 years, and does not accept the three employees; Foreign customers working in Chongqing need to provide proof of social security deposit for more than half a year, and do not accept notarization and houses with 15 years or more.
It is hereby stated that the above-mentioned banks do not accept the payment of notarial certificate trustee except postal service, and postal service accepts it, depending on the customer's qualification. Quality customers can communicate and accept the seller's notarized payment.
The above policies are for reference only, and the real-time policy shall prevail in combination with customer qualifications during the interview.
About the loan calculation method:
The loan amount is determined by multiplying the appraised house price by the loan proportion, and the appraised house price is determined by the location, floor, area and orientation of the house. , excluding home appliances and furniture decoration costs. The highest evaluation price of a clean house can be determined according to the transaction price, lot, floor, area and orientation of the house. )
Suppose the transaction price of a house is 600,000 yuan, excluding the decoration expenses of household appliances and furniture, the evaluation price is 500,000 yuan, the down payment is 30,000 yuan, the first house is the first loan, and 50 * 0.7 = 350,000 yuan down payment = transaction price-loan amount-down payment. 600 thousand to 350 thousand to 30 thousand = 220 thousand
If a house is clean. The transaction price is 450,000 yuan and the appraisal price is 420,000 yuan, so the down payment (excluding tax) is 45-42 * 0.7 =156,000 yuan.
If you have any other questions, you can also consult me. I am mainly responsible for buying and selling second-hand houses in Jiangbei Hong En Temple Park, Baolijiang Shangmingzhu Community, Yubei Garden, Biquan Garden and Wang Hao Garden. If you have these aspects, you can call me for advice at any time. Welcome to call and wish you a warm home at an early date.