What if the bank stops the second-hand housing loan and signs a contract? The landlord's question is problematic or inaccurate.
First of all, the bank did not stop the second-hand housing loans, only because of the quota problem, it did not issue second-hand housing loans for the time being. What about the signed contract? Is it a second-hand house sales contract signed with an intermediary or a loan contract signed with a bank?
If you have signed a house sales contract with the intermediary and paid the down payment, it is relatively troublesome, because you may have agreed on the final payment period. If the bank's second-hand housing loan has been delayed, some sellers will demand the execution of the contract, that is, confiscate the down payment and terminate the contract. At this time, you need to discuss with the seller's intermediary and regard this as a force majeure factor. After all, it's not that you don't meet the loan conditions, but that the bank's quota will not handle second-hand housing loans for the time being.
When signing the contract for the sale of second-hand houses, it is agreed not to limit the final payment, but to limit the time for bank lending, because loans are also entrusted to intermediaries, and bank lending is not based on the wishes of buyers, but on communication between intermediaries and banks.
If a loan contract has been signed with the bank, but the bank has not issued a loan because it has no quota, this problem is not big. If the bank has a quota, it will lend money as soon as possible, and only need to strengthen communication with the seller's intermediary.
Compared with first-hand housing loans, second-hand housing loans are very variable, because the energy of intermediaries can not be compared with developers, and developers have more cooperation with banks. In the case of limited quota, banks will give priority to new house loans, strive for more opportunities for cooperation between banks and developers, and achieve a win-win situation, while the space for cooperation between intermediaries and banks will be much smaller.
Since the second half of last year, housing prices have been rising all over the country, behind which bank credit funds have flooded into the real estate market through residential development loans, mortgage loans and trust channels. The irrationality and fiery property market not only increased the leverage ratio of residents, but also severely squeezed the credit resources of the real economy. The problem of financing difficulties for entity enterprises, especially small and micro enterprises, is more prominent. The limelight of real estate is by no means a good thing for the national economy. In this case, the regulatory authorities acted decisively, gave window guidance to banks, and asked banks to strictly control the scale of real estate loans. Therefore, at present, many banks have tight mortgage loan quotas, and the approval process is slow, while banks that suspend loans should be a minority. Under normal circumstances, the bank will still lend to the first suite and improved housing demand, but the interest rate is higher and the speed is slower. The suspension of loans is only a suspension, not a termination, and it is a policy factor and belongs to force majeure. There is no reason to break the contract accordingly!
Don't worry, there's no need to worry about it, because the contract hasn't come into effect yet!
Yes, this is the answer. Whether you are a bank or a customer, you just signed a mortgage loan contract. If the money is not paid, the contract will not take effect.
It is indeed possible for banks to suddenly stop lending, and banks will also stop lending for some specific reasons. If you use the word "stop", it may take a long time If you can't lend it for other reasons, it's just "suspension of payment", which is not included in the answer.
The manager should take the initiative to contact the lender and inform the bank that the second-hand mortgage loan has stopped. As for the reason, you can say that it is not appropriate to push the notice to the superior, and you don't know the reason.
If the second-hand house has gone through the formalities of pledge of warrants, after communicating with customers, it should assist them to go to relevant departments to cancel the pledge.
If you consider it properly, you can also take out all the contracts signed by customers and void (seal) or destroy them face to face. The purpose of this is to avoid customers' worry that "the bank staff will blame me for the loan in the future". -this is unnecessary, but it can largely reflect the work and service level of the bank!
If the bank doesn't take the initiative to contact you as mentioned above, there is nothing you can do. You can take the initiative to contact the bank according to the points mentioned above, and you will feel more at ease after consultation. If you need a loan especially, you may know more information, such as "how long can you get a loan" and "what other channels can you get a loan" and so on.
So, what you can do is:
Go to the bank to retrieve/destroy/void the original contract, so as to eliminate the worry that bank staff will use the contract to steal loans in the future.
If you have pledged the real estate license and do not intend to apply for this loan in the near future, you can cancel the pledge procedure and get back the real estate license and land certificate with the assistance of the bank.
Now some banks do stop second-hand housing loans, but this is temporary and strategic, right? Because this month's quota is used up, or there are too many people waiting in line in front, the latter temporarily stop taking orders.
In fact, in the second half of each year, the bank's credit line will start to be tight, but this year is more obvious.
If you are a buyer who just needs or needs improvement, if you have signed a contract, you can wait for a while. If you are married or have children and want to get an early loan, you can apply for a higher interest rate from the bank, so that you can give priority to the loan. However, friends with insufficient funds had better choose carefully. After all, raising interest rates is not a matter of one year or two. Once you decide, it will be ten or twenty years. The extra money is a lot of money. Don't try it easily.
Pay the house purchase price in full to continue to perform the contract, or terminate the signed house purchase contract.
When a bank stops lending, it means that it stops signing contracts and continues lending. The previous contract is still valid. After signing the contract, the bank will lend money, which may take a long time. You can wait for him to borrow money.
What if the bank stops the second-hand housing loan and signs a contract? The landlord's question is problematic or inaccurate.
First of all, the bank did not stop the second-hand housing loans, only because of the quota problem, it did not issue second-hand housing loans for the time being. What about the signed contract? Is it a second-hand house sales contract signed with an intermediary or a loan contract signed with a bank?
If you have signed a house sales contract with the intermediary and paid the down payment, it is relatively troublesome, because you may have agreed on the final payment period. If the bank's second-hand housing loan has been delayed, some sellers will demand the execution of the contract, that is, confiscate the down payment and terminate the contract. At this time, you need to discuss with the seller's intermediary and regard this as a force majeure factor. After all, it's not that you don't meet the loan conditions, but that the bank's quota will not handle second-hand housing loans for the time being.
When signing the contract for the sale of second-hand houses, it is agreed not to limit the final payment, but to limit the time for bank lending, because loans are also entrusted to intermediaries, and bank lending is not based on the wishes of buyers, but on communication between intermediaries and banks.
If a loan contract has been signed with the bank, but the bank has not issued a loan because it has no quota, this problem is not big. If the bank has a quota, it will lend money as soon as possible, and only need to strengthen communication with the seller's intermediary.
Compared with first-hand housing loans, second-hand housing loans are very variable, because the energy of intermediaries can not be compared with developers, and developers have more cooperation with banks. In the case of limited quota, banks will give priority to new house loans, strive for more opportunities for cooperation between banks and developers, and achieve a win-win situation, while the space for cooperation between intermediaries and banks will be much smaller.
When a bank stops lending, it means that it stops signing contracts and continues lending. The previous contract is still valid. After signing the contract, the bank will lend money, which may take a long time. You can wait for him to lend money.
Those that have been signed in the bank will continue to be valid, and the bank's lending time will be longer. If you haven't had time to sign the contract, you can make a lump sum payment now or negotiate with the seller to terminate the contract.
The mechanism of parallel sale of housing use right and real estate right conforms to China's socialist national conditions.
First of all, the right to use can better integrate property tax, vacant tax, apartments and small property houses, and improve fertility, medical care and education issues.
1. It is less difficult to levy property tax and vacancy tax on the right to use. If the individual housing fails to apply for the use permit within the specified time, a certain fine can be paid when the property right is transferred, and the fine is calculated according to the vacant tax period. There is no tax-free area and number of sets, only tax reduction system. 1: Why is there no exemption area and number of sets? It is convenient for management, but also greatly reduces the difficulty of tax implementation. At the same time, as citizens, they should be obliged to pay certain taxes and fees. 2. There is no tax exemption mechanism, which is conducive to family harmony. There is no need to consider fake divorce, because the tax reduction area of individuals is 50% less than that of families. 3. The tax reduction system is also designed to facilitate local governments to reduce the burden of citizens' basic living security according to their own conditions. It is conducive to the regulation of housing prices, and the future regulation only needs to increase or decrease taxes. Only low-income residents, poor households, special people and special housing that meet the requirements are exempted.
2. Small property rights and apartment problems. Completed apartments and small property houses that meet the requirements also need to apply for use warrants. Those who have not applied for the right of use will not be able to enjoy reasonable compensation and subsistence allowances in the future.
3. Improve fertility, medical care and education. It depends on the tax reduction system. For example, personal tax reduction is less than 20 square meters, and family tax reduction is less than 50 square meters. Areas with high tax cuts for families are conducive to improving the quality of fertility, education and medical care.
Second, can the right to use affect the value of real estate rights and housing prices? 1. Real property rights are still used permanently, which may limit the value of real property rights. House prices are linked to land prices, and the value of land prices rises instead of falling, and house prices also correspond to the value of their own real estate rights. Protect the property rights and interests of property owners. Property right is a personal asset, but its financial value will not change.
2. Does private transactions affect housing prices? If it is an individual's own private transaction, the capital problem in the transaction process is not protected by law, which is that the individual voluntarily gives up his real estate rights. The tax will not be reduced, and the tax collection standard will be set according to the limited average value of the limited area. At the same time, according to the area of real estate transactions, the number of transactions per household, individual and year can be limited. Therefore, it is unlikely that there will be a lot of selling and private transactions. 3. After implementing the right to use, we can gradually relax the purchase restriction policy and comprehensively enhance the purchasing power of high-quality areas. Of course, the value of the right to use has nothing to do with the value of the right to immovable property. The huge difference in the value of regional use rights can only show that the use value of this region is low.
Third, it is conducive to improving the quality of development, improving the quality of commercial housing and the development of new areas.
1. The right to use can better improve the quality requirements of users, and under the same tax reduction area, it will naturally pursue better use comfort and better quality of life. Of course, this will also test the resource allocation capacity of this place, such as medical care, education, environment and infrastructure construction, as well as the balance of resources between old and new areas.
2. There is no exemption system for the right to use tax, which is conducive to infrastructure construction. Because there is a wide range of taxation without tax exemption, local finance can better plan and build infrastructure according to its own actual situation, attract enterprises and optimize urban construction. The attraction of the city is related to the local fiscal revenue. The more vacant, the higher the tax evasion rate will be in the future. Although the annual tax revenue is not necessarily high, the longer the fixed number of years, the greater the potential for house price appreciation. You may not be able to escape the tax. The vacancy tax of idle houses is higher than the right to use, which is also an important means to prevent serious waste of resources.
3. The right to use tax can better solve the problems such as the aging of elevators and external walls of houses, the difficulty in understanding property and the difficulty in getting funds in place in the next ten to fifteen years. Taxpayers should also enjoy the benefits of taxation and subsidize the maintenance funds in some cities. Taxes can be collected in combination with local supporting facilities, infrastructure construction, social security, medical care, education and other factors. The stronger the region, the better the welfare it can enjoy in the future.
-[] Fourth, guard against risks
The coexistence of use right and real estate right can separate financial property from residential property, and real estate right still has short-term investment value. The sale of the right to use reflects the residential value, and only a few regional school districts have investment value. However, with the construction of the new district, the advantages of famous schools and regional optimization in the future will gradually decrease.
In order to stabilize the market economy, property rights and use rights should be separated, and capable individuals should be used as assets. For example, the employee welfare system is owned by the property right enterprise, and the employee welfare has the right to use the tax reduction system. Personal accounts are basically difficult to falsify when the number of people changes, which can greatly reduce the waste of information. I can't afford what I want to buy, and I can't sell what I want to sell. This embarrassing situation makes it difficult for resources to flow. Sale at a reduced price
What are the consequences of bank mortgage suspension? What information do commercial banks need to convert housing loans into portfolio loans?
What are the consequences of bank mortgage suspension?
1. Personal credit information is adversely affected.
After all, housing loans are still loans. When applying, you need to submit a credit report to distinguish risks. In that case, when you stop the loan, you will definitely record this amount on your personal credit report, indicating that your previous default in loans overdue was a sign of bad credit. If you want to apply for a loan or engage in other personal credit activities in the future, then this negative record is the most direct obstacle.
2. Increase the overdue penalty interest on housing loans.
Due to many factors such as high loan cost and long loan term, the mortgage interest rate is already very expensive. If the housing loan stops, according to the loan contract signed with the loan financial institutions, loans overdue will definitely generate a large number of overdue penalty interest, which is generally 0.5 times of the normal interest of 65,438+,and the interest will be calculated by the circulation system until loans overdue pays off the loan, which is tantamount to adding fuel to the fire for borrowers who are already in debt.
3, make the real estate as collateral encounter auction.
When applying for a mortgage loan, the real estate you buy is generally used as a pledge. The purpose is to let banks reduce risks. After all, financial institutions bring a lot of money. In case they can't get it back, they can also sell or auction real estate to reduce losses. That was the last resort, but for borrowers, it was because in Cao Cao's mind, the normal repayment in the past gave them money in vain, and the house they wanted to buy was gone.
What information do commercial banks need to convert housing loans into portfolio loans?
I. Basis for establishment
Regulations on the Management of Housing Provident Fund (the State Council Order [20 19] No.710), Notice on Unifying the Business Policies of Changsha Housing Provident Fund Management Center and Provincial Sub-centers (Changjin Management Committee [2021]1No.
Second, the loan target.
(a) in the administrative area of Hunan Province (no Changsha Center) with full capacity for civil conduct housing provident fund deposit workers.
(2) If the depositor or his spouse has purchased ordinary self-occupied housing within the geographical scope of Changsha and applied for a bank housing mortgage loan, he may apply for changing the bank housing loan into a loan composed of his own housing provident fund before the loan is settled.
Third, apply for qualification
(1) The borrower must pay the housing provident fund in full and continuously for more than 65,438+02 months (inclusive), and pay the housing provident fund normally at least 2 months before applying for the loan, excluding the overdue amount, and there is no commitment to repay the unpaid housing provident fund.
(two) the borrower's original mortgage repayment record is good, and the original loan bank's prepayment to the borrower is true.
(3) The borrower and spouse have excellent personal credit records, which are in line with the relevant provisions of the credit management of Hunan Enterprise Housing Provident Fund Management Center (hereinafter referred to as the "Provincial Center").
(4) The house where the borrower applies for a loan is the first or second house of the family (excluding the cancelled house property).
(five) the borrower purchases houses, commercial housing, commercial and residential apartments, apartment buildings and other non-ordinary housing; The existing living area of the Borrower's house exceeds 144 m2 (inclusive); The borrower replaces the house property with others; Not allowed to apply for housing provident fund loans.
(six) the borrower's family housing provident fund loans are not more than 2 times (inclusive), and there are no outstanding housing provident fund loans; If you have a housing provident fund loan, you must pay off the housing provident fund loan for six months before you can apply again.
(7) Houses that families apply for provident fund loans have not been purchased (including houses purchased by borrowers and spouses in this center or other individual provident fund centers).
(8) The second-hand house purchased by the borrower must have the property ownership certificate, the state-owned land use certificate or the immovable property right certificate, with clear property rights, and meet the conditions for entering the market circulation stipulated by the housing transaction department.
(nine) other requirements of the provincial center and the bank on housing loans.
(10) The borrower complies with the current real estate control policies of China and other provinces and cities.
Four. Loan amount and term
Personal provident fund loan amount
The maximum loan amount does not exceed 600,000 yuan.
Credit line of loan = (balance of borrower's personal provident fund and spouse's personal provident fund) ×N ratio (loan N ratio is determined according to the loan interest rate of provincial central housing provident fund every year);
If the accumulated deposit and payment of the spouse's personal provident fund exceeds 12 months (inclusive), the loan amount can be classified and summarized. The spouse's personal provident fund account has been sealed or paid off in the past 6 months, and the balance is not included in the loan amount calculation, and the payment base is not included in the monthly income at home.
If the credit line of the loan is less than 200,000 yuan, the maximum loan line of the housing provident fund will be approved to be more than 200,000 yuan on the premise that the personal repayment level is sufficient.
② Bank loan amount
The loan amount of the banking industry is based on the examination and approval results.
(3) the largest loan proportion that constitutes loans (personal provident fund and banking business)
Maximum proportion: no more than 70% of the transaction price of the house (without interior decoration), 70% of the appraised value of the mortgaged house and the remaining principal of the loan from the original financial institution.
What should I do if I stop using the bank loan contract before it expires?
However, the other party may continue to perform its contractual obligations.
This should be analyzed in detail.
First, breach of contract, of course, should bear the responsibility for breach of contract.
Second, compensation for losses, please perform according to the contract, please understand the contract.
Three, there is no agreement in the contract, in accordance with the law, compensation for the actual losses of the other party. It is wise for both sides to negotiate.