Second-hand housing loan policies are as follows:

What is the term and amount of second-hand housing loan? Terminology The bank will control the loan period within 20 years, and the loan maturity date cannot exceed the borrower's 65 years old, so as to ensure that the borrower can have sufficient repayment ability. Amount, the target property will be evaluated before lending, and the amount is generally not higher than a certain proportion of the actual transaction price of the property and the approved evaluation price. The proportion is determined by local bank branches according to the credit status of the first-class loan applicants in the national housing credit policy, and there will be corresponding changes in various regions.

② Minimum down payment ratio. If you want a minimum down payment, you need an unlimited city to implement the standard. Only 20% down payment can be allowed for the first suite and the second suite without other changes. Call for further support for reasonable housing consumption and promote the stable and healthy development of the real estate market. According to the relevant deployment of the State Council, the individual housing loan policy has been issued: the minimum down payment is only 20%.

Second-hand housing loan policy

1. According to the regulations of the State Council, anything that can find the original value shall be collected according to the inspection method, that is, 20% of the difference. Second-hand housing tax regulations, taxation, housing and urban and rural construction departments should closely cooperate, collect personal income tax on the sale of self-owned housing according to regulations, and verify the original value of the house through tax collection and management, housing registration and other information. It should be levied at 20% of the transfer income tax in strict accordance with the law. 2. Personal income tax is levied in strict accordance with 20% of personal income from housing transfer, and the only housing sold for more than 5 years is exempt from personal income tax. 3. The term of second-hand housing loan is generally within 20 years, and the maturity date of the loan cannot exceed the borrower's 65 years old. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of interest rate adjustment, if the term is within one year, the interest rate under this contract shall be implemented without interest. If the term exceeds one year, the new interest rate will be implemented in the following year.

Legal basis:

Notice of the People's Bank of China and China Banking Regulatory Commission on Relevant Issues Concerning the Adjustment of Individual Housing Loan Policy

First, in cities that do not implement the "purchase restriction" measures, households purchase commercial personal housing loans for ordinary housing for the first time. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.

For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations.

Second, on this basis, the agencies of the People's Bank of China and the China Banking Regulatory Commission should strengthen communication with local governments in accordance with the principle of "classified guidance and local policies", and guide the self-discipline mechanism of interest rate pricing in provincial markets to independently determine the minimum down payment ratio of commercial personal housing loans within their respective jurisdictions in light of the actual conditions of various cities.

Third, banking financial institutions should reasonably determine the specific down payment ratio and interest rate level according to the borrower's credit status and repayment ability, in combination with the minimum down payment ratio requirements determined by the provincial market interest rate pricing self-discipline mechanism, the institution's commercial personal housing loan placement policy, risk prevention and control and other factors.

Fourth, strengthen the macro-prudential management of housing finance. The People's Bank of China and the dispatched offices of the China Banking Regulatory Commission should strengthen the monitoring, analysis and evaluation of the asset quality, regional concentration and institutional stability of real estate loans; Supervise the provincial market interest rate pricing self-discipline mechanism to adjust the minimum down payment ratio of commercial personal housing loans in a timely manner according to the changes in the real estate situation and the regulatory requirements of local governments, so as to promote the stable operation of housing finance business of banking financial institutions and the stable and healthy development of local real estate market.

New policy of second-hand housing loan 202 1

202 1 The new policy of second-hand housing loan is as follows:

1, and the age of second-hand houses cannot exceed 12 years; The sum of the service life of the second-hand house and the loan life cannot exceed 30 years; Second-hand housing valuation is low, and you can't apply for a mortgage; Some banks have put forward huxing requirements for second-hand houses, and small-sized second-hand houses will not be able to apply for mortgages. Judging from the statements issued by several banks, in fact, the suspension of second-hand housing loans is only an individual case in some areas, and it is a suspension, not a direct application. For example, in Guangzhou, Shenzhen, Huizhou and other places, because there are too many people applying for loans, the bank quota is tightening. In order to avoid exceeding the prescribed red line, the second-hand mortgage will be temporarily adjusted, that is, the loan will be stopped. When the follow-up quota is sufficient, it will still be restored.

2. According to the current approval time of bank loans, the waiting time is relatively long, about 1-2 months, while the second-hand housing involves many processes, and the corresponding time will be relatively long, so users need to wait patiently. Therefore, users are advised to maintain their personal qualifications and credit while waiting for mortgage loans, and there can be no decline in repayment ability or repayment credit, otherwise it will have a negative impact. This year, the qualification and approval of mortgage loans will be stricter. Behind these things, what we see is that policies are being fulfilled little by little, and regulation is stripping real demand from every line. After reviewing the loan qualification and lengthening the lending process, the transaction volume of second-hand houses is bound to decline. In this way, the market fever soon came down and house prices became more stable.

3. For just-needed, a stable market is more favorable. If the second-hand house under the applicant's name has been mortgaged to the bank, then the applicant can no longer apply for a second-hand mortgage. Only after the mortgaged house is released can he go to the bank to apply for a second-hand mortgage normally. According to relevant regulations, the age of second-hand houses cannot exceed 12 years, and the sum of the service life and loan life of second-hand houses cannot exceed 30 years. If the applicant's second-hand house is older, it is also impossible to apply for a second-hand mortgage. If the second-hand house under the applicant's name is undervalued and cannot meet the loan quota demand, the bank will not approve it. After all, banks are profit-making institutions and need to rely on loans to make money. If the lender is unable to repay the loan, the bank can auction the house to recover the loan.

If the value of the house itself is not high, then the bank will not do business at a loss. On the other hand, if the applicant's second-hand house is affordable and the purchase time is less than 5 years, the bank will generally not approve the second-hand mortgage. In the last case, it is also impossible to apply for a second-hand mortgage, that is, the second-hand house under the applicant's name is a special second-hand house such as a military house and a small property house. Such a house is not allowed to be listed and traded, and of course you can't apply for a bank mortgage.

The introduction of second-hand housing bank loan policy ends here.