For the individual housing provident fund loan business in China Bank, the original policy shall be implemented before 2065438+2006 65438+2065438 (Note: the online signing date of the borrower's house purchase contract is 2065438+2006 65438+2006 28 (inclusive). 1. Identification of the first housing: there is no housing in this city under the name of the borrower's family and the borrower's family has no record of provident fund loans in this city, including the case that the borrower or spouse is not the borrower. Including the following situations: (1) Married borrowers, if they have real estate with their parents before marriage, the borrowers and their spouses can each own 1 set of * * * houses not included in their names; (2) If an unmarried borrower shares a house with his parents, the borrower may own 1 house not included in his name; (3) The borrower's family applies for a housing provident fund loan with property rights protection, and it is still recognized as the first home. 2. The second set of housing with improved provident fund: (1) The borrower's family has no housing in the name of this city, and there is 1 closed provident fund loan; (2) The borrower's family has only 1 apartment in the name of this city, and the per capita housing construction area (calculated only for the borrower's family) is not higher than 35.5 square meters, and there is no record of provident fund loan or the record of settled provident fund loan 1. Note: The number of major renovation loans applied for in combination with provident fund housing loans is not included in the number of employees' family provident fund deposits. 3. Stop issuing provident fund loans under the following circumstances: (1) The borrower's family has two provident fund loans; (2) the borrower who buys the second set of non-improved housing. (3)* * * The same borrower is an immediate family member of the borrower, and there are two provident fund loans under his name, which is not regarded as * * * the same borrower. 2.20 15 From August 4th to June 28th, 20 1 16 (inclusive), the following policies were implemented: (1) Identification of the first suite: for families who have no business or provident fund loans or have settled their business or provident fund loans, they will purchase the first self-occupied housing and implement the first suite of provident fund. Note: According to the basis for determining the number of apartments, the borrower or his spouse shared 1 apartment with his parents before marriage, or the borrower and his spouse shared 1 apartment with his parents before marriage, it can be determined that the inquired house does not belong to the name of the borrower's family members. In other words, it is not necessary for the borrower to own a house before marriage with his parents, nor for the spouse to own a house before marriage with his parents. In extreme cases, a family can exclude two houses, some of which are determined according to the date of marriage certificate later than the date of real estate license. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members. (The number of sets is the same below) (2) Identification of two sets of improved provident fund: For families who own a set of housing and have settled commercial loans and provident fund loans, and the per capita living area meets the requirements below 35. 1 square meter, if they apply for provident fund loans to buy ordinary housing again to improve their living conditions, they can refer to the first provident fund loan. Note: (1) In principle, the per capita living area is determined based on the nuclear family of the existing property owner, that is, the property owner, the spouse of the property owner and their minor children. If there are a large number of actual residents, they can only move in after providing the Resident Certificate issued by the street/neighborhood committee where the property owner or borrower is registered. (2) Ordinary housing standards refer to the ordinary housing standards stipulated by the Shanghai Municipal Government: multi-storey houses with more than five floors, old-fashioned apartments with less than five floors, new-style alleys, old-fashioned alleys, etc. The single building area is below140m2; The actual transaction price is lower than 1.44 times of the average transaction price of land and houses of the same level, less than 4.5 million yuan/set within the inner ring road, less than 365,438+10,000 yuan/set between the inner ring road and the outer ring road, and less than 2.3 million yuan/set outside the outer ring road (the same below for ordinary housing identification standards). (3) Access to provident fund second-home loan: For those who own a house and the per capita living area meets the requirements of less than 35. 1 m2, and the property purchased this time is not ordinary housing, it shall be implemented according to the provident fund second-home loan policy. (4) Families who buy the third and above houses cannot accept provident fund loans. (5) Regarding the determination of the number of housing units and the down payment ratio of loans in the application for family home purchase portfolio loans, the relevant regulations currently implemented by the bank shall prevail. Three, please consult the provident fund loan business outlets or consult the local provident fund management center. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
Second, 202 1 first home loan policy?
Latest down payment policy for house purchase in 20021year
Since June 1 day, 2006, the down payment ratio of individual housing mortgage loan shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters.
The requirement of 20 13 is that the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total house price. Because considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment, that is, the individual pays a part of the house payment in advance, which proves that you have the repayment ability.
2065438+On March 25th, 2006, Shanghai issued "Several Opinions on Further Perfecting the Housing Market System and Security System in Shanghai to Promote the Stable and Healthy Development of the Real Estate Market", clearly offering benefits to households with/kloc-0 apartments.
In order to improve the living conditions, the down payment ratio shall not be less than 50% if you apply for a commercial personal housing loan to buy ordinary self-occupied housing again; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
Starting from 202 1, if the floating interest rate of LPR is selected, the mortgage interest rate will be switched once a year. If 1 is the time point, then the first batch of mortgage interest rate conversion will come.
How much can the mortgage interest rate drop this time? Since 2020, the central bank has cut interest rates by two rounds of LPR: 1 year LRP interest rate has been lowered from 4. 15% to 3.85%, with a cumulative interest rate cut of 30 basis points; 5-year LPR interest rate: reduced from 4.8% to 4.65%, with a cumulative interest rate reduction of 65,438+05 basis points.
202 1 first home loan policy
First, the first home mortgage down payment ratio requirements:
1. The down payment ratio of provident fund loans shall be at least 20% for the first suite and at least 30% for the housing provident fund loans.
2. The down payment ratio of the first home commercial loan is 30%, and the interest rate of commercial loan to buy a house rises.
Second, the first suite deed tax requirements:
The purchase area of the first suite is 90 square meters or less, and the deed tax is1%; The purchase area is over 90 square meters, and the deed tax is 1.5%.
Third, the difference between the first and second home loans 20 16
20 16 the difference between the first home loan and the second home loan;
Loan interest rate: the loan interest rate of the second home loan is much higher than that of the first home loan. As far as provident fund loans are concerned, the loan interest rate of the second home loan should rise by 10% on the basis of the first home loan interest rate. The second-home loan interest rate of other commercial loans should be in accordance with the provisions of commercial banks, but generally speaking, it is relatively high. For example, at present, the interest rate of the first home loan of most banks is 15% off, while the interest rate of the second home loan is the benchmark interest rate floating 10%, and the gap can be imagined.
Loan amount: the loan amount of the second home loan is much lower than the first one. According to the New Deal, the first home borrower can borrow up to 70% of the down payment, and the minimum down payment for provident fund loans can reach 20%, but the second home borrower can only borrow up to 60% of the down payment of 40%. The specific loan amount is related to the borrower's qualification.
Difficult loan: Of course, the second home loan is much more difficult than the first home loan, especially when funds are tight, it is often difficult to apply for a second home loan.
4.20 16 What is the difference between the provident fund loan policies for the first and second suites in Shanghai?
For the individual housing provident fund loan business in China Bank, the original policy shall be implemented before 2065438+2006 65438+2065438 (Note: the online signing date of the borrower's house purchase contract is 2065438+2006 65438+2006 28 (inclusive). The borrower's family name is in this city, and as the spouse of provident fund loan, there is no provident fund loan in this city name, and the borrower uses it in the same way. Including the following situations: (1) Married borrowers, if they have real estate with their parents before marriage, the borrowers and their spouses can each own 1 set of * * * houses not included in their names; (2) If an unmarried borrower shares a house with his parents, the borrower may own 1 house not included in his name; (3) The borrower's family applies for a housing provident fund loan with property rights protection, and it is still recognized as the first home. 2. The second house with improved provident fund: (1) the provident fund loan record settled by the borrower's family; (2) The borrower's family has only 1 apartment in the name of this city, and the per capita housing construction area (the calculation range is only 0.5 square meters, and there is no record of provident fund loan or the record of settled provident fund loan 1). Note: The times of applying for large decoration loans are not included in the times of using employees' family provident fund. 3. Stop issuing provident fund loans under the following circumstances: (1) The borrower's family has two provident fund loans; (2) the borrower who buys the second set of non-improved housing. (3)* * * The same borrower is an immediate family member of the borrower, and there are two provident fund loans under his name, which is not regarded as * * * the same borrower. 2.20 15 from August 4 to June 28, 20 1 16 (inclusive), the following policies were implemented: (1) confirmation of the first suite: for families who have no record of commercial or provident fund loans or have settled commercial or provident fund loans, purchase the first self-occupied housing and implement the first provident fund loan. If the borrower or his spouse shared the property right house 1 set with his parents before marriage, or the borrower or his spouse shared the property right house 1 set with his parents before marriage, it can be considered that the inquired house does not belong to the property of the borrower's family members. That is, it is not necessary for the borrower to own a house before marriage with his parents, nor for the spouse to own a house before marriage with his parents. In extreme cases, two houses can be ruled out. If the date of marriage with parents is later than the date of property right certificate, the number of houses jointly owned by parents shall not exceed 1, and it can also be considered that the inquired house does not belong to the borrower's family members. (The number of sets is the same below) (2) Identification of two sets of improved provident fund: For families who own a set of housing and have settled commercial loans and provident fund loans, and the per capita living area meets the requirements below 35. 1 square meter, if they apply for provident fund loans to buy ordinary housing again to improve their living conditions, they can refer to the first provident fund loan. Note: (1) In principle, the per capita living area is determined based on the nuclear family of the existing property owner, that is, the property owner, the spouse of the property owner and their minor children. If there are a large number of actual residents, they can only move in after providing the Resident Certificate issued by the street/neighborhood committee where the property owner or the borrower is registered. (2) Ordinary housing standards refer to the ordinary housing standards stipulated by the Shanghai Municipal Government: multi-storey houses with more than five floors, old-fashioned apartments with less than five floors, new-style alleys, old-fashioned alleys, etc. The single building area is below140m2; The actual transaction price is lower than 1.44 times of the average transaction price of land and houses of the same level, less than 4.5 million yuan/set within the inner ring road, less than 365,438+10,000 yuan/set between the inner ring road and the outer ring road, and less than 2.3 million yuan/set outside the outer ring road (the same below for ordinary housing identification standards). (3) Access to provident fund second-home loan: For those who own a house and the per capita living area meets the requirements of less than 35. 1 m2, and the property purchased this time is not ordinary housing, it shall be implemented according to the provident fund second-home loan policy. (4) Families who buy the third and above houses cannot accept provident fund loans. (5) Regarding the determination of the number of housing units and the down payment ratio of loans in the application for family home purchase portfolio loans, the relevant regulations currently implemented by the bank shall prevail. Three, please consult the provident fund loan business outlets or consult the local provident fund management center. If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business. 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