At present, the state is strict in handling commercial loans for second-home loans. Although the current second-home loan policy has not changed, many banks have tightened the interest rate of second-home loans. At present, most banks have increased the down payment ratio of the second home loan. The down payment for the second home loan cannot be 70%, and the interest rate is 1. 1 times the benchmark interest rate. Therefore, it is almost impossible to discount the second-home commercial loan now.

2. Can I get a discount for buying a house with a bank loan?

There are many kinds of loans to buy a house, including provident fund loans and commercial loans. Before making a loan, you need to know how much money is in your provident fund account and how much money your unit gives you every month. Only by knowing your own situation can you get a loan. Provident fund is a kind of welfare for employees, and the loan interest is much lower than that of commercial loans. Commercial loans can generally be combined with provident fund to make a portfolio loan. If you want to borrow a lot, but your provident fund balance is not much, you can combine loans at this time. After determining your own provident fund, choose a house. Determine the total price and down payment of the house, and the total price MINUS the down payment is the loan money. You can't get a down payment, so you must have some cash on hand. General down payment is 30%. If you have more than 30% down payment, you can also give cash. The reason for this is to reduce the amount of money you borrow, because loans need interest, so in terms of the total amount, the more cash you give, the less loans you get. Of course, it depends on your own situation. When you get a loan, you should have a guarantee. For example, if you want to borrow 65,438+10,000 yuan, then you should provide 50,000 yuan of provident fund guarantee. You can find friends in your city and join hands to add up the total balance of the provident fund to more than 50 thousand. In addition to provident fund guarantee, there are passbook guarantee and real estate license guarantee, but these two are more troublesome. Passbook guarantee, if you want to borrow 654.38+million yuan, you have to use a passbook of1654.38+million yuan, and the passbook cannot be withdrawn at maturity; Property guarantee depends on the scale of the property you provide, even if it is too small, it can only be local. Guarantee means that someone else gives you a guarantee that the money in your account can be taken out. You can take the exam once a year. So withdrawing money and lending are two unrelated processes. After the loan is completed, the bank will give you an account number, and the provident fund center will calculate the money you need to pay back every month. You just need to remit the money to this account before the 20th of each month. You can also repay the loan in advance, but the loan must be 1 year. You can pay less interest if you prepay. But the specific rules depend on the contract you signed with the bank.

3. What are the benefits of the first home loan?

The preferential loan for the first home purchase is as follows: 1, and the down payment ratio is low. The down payment ratio of the first suite is usually 30%, while that of the second suite is about 50%. 2. The loan interest rate is more favorable. In most cities, the interest rate of the first home loan is 10% higher than the benchmark interest rate, and that of the second home loan is 20% higher than the benchmark interest rate. 3. Deed tax reduction and exemption. The first suite can enjoy deed tax reduction and exemption. For example, the first purchase of an ordinary house with an area of less than 90 square meters has a tax rate of only 1%. The tax basis of deed tax is as follows: 1. The tax basis for the sale of state-owned land use rights and the sale of houses is the transaction price; 2, land use rights gift, housing gift, tax basis by the tax authorities with reference to the sale of land use rights, housing sales market prices approved; 3, land use rights exchange, housing exchange, the tax basis is the difference between land use rights exchange and housing exchange; 4, the transfer of state-owned land use rights, the tax basis is to bear all the economic benefits paid by people to obtain land use rights. Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. The interest rate of bank housing loan refers to the ratio of interest amount to principal amount during the loan period. The interest rate in China is managed by the People's Bank of China, and the interest rate determined by the People's Bank of China is implemented after being approved by the State Council.

4. Can I get a discount for buying a house with a bank loan?

There are many kinds of loans to buy a house, including provident fund loans and commercial loans. Before making a loan, you need to know how much money is in your provident fund account and how much money your unit gives you every month. Only gold is a kind of welfare for employees. Compared with commercial loans, you can borrow a lot of money from the provident fund, but the balance of your provident fund is not much. At this time, you can combine loans. After determining your own provident fund, choose a house. Sure, what's the down payment? You can't get a loan from the total price minus the down payment, so you must have%. If you have more than 30% down payment, you can also give cash. The reason for this is to reduce the amount of money you borrow, because loans need interest, so in terms of the total amount, of course, this depends on your own situation. The loan must be guaranteed. For example, if you want to borrow 65,438+million yuan, then you have to provide friends in your city, and the total balance of the provident fund will add up to more than 50,000 yuan. In addition to provident fund guarantee, there are passbook guarantee and real estate license guarantee, but these two are more troublesome. Passbook guarantee, if you want to borrow 6,543,800 yuan, you can withdraw it; Property guarantee depends on the size of the property you provide, even if it is too small, it can only be local. Guarantee means that someone else gives you a guarantee that the money in your account can be taken out. Every loan is two unrelated processes. You will be given an account number and the provident fund center will calculate the monthly repayment amount for you. You just need to remit the money to this account before the 20th of each month. You can also repay the loan in advance, but the loan must be 1 year. You can pay less interest if you prepay. But the specific rules depend on the contract you signed with the bank.