The housing loan for buying a house in Beijing will show you the details of commercial loans, provident fund loans and their calculations.

Second, the loan to buy a house: loan ratio, interest rate, ceiling, calculation

1. Information required for loan purchase.

(1) Original ID card

(2) Household registration book (if Beijing is a collective household registration book, a copy of the first page of the collective household registration book should be stamped; A copy of my page)

(3) Residence permit or electronic residence permit

(4) Bank card in the name of the purchaser

(5) proof of income, with a template

(6) Bank flow

2. Loan term: 25 years at the longest in Beijing. According to the age of the building and the age of the buyer. Generally speaking:

(1) loan period, house age < 70 years.

(2) Loan term: The borrower is under 70 years old.

(3) Different banks and different building structures will have some differences in service life.

If the lender is old, you can consider relay loan.

Relay loan: Parents as borrowers and children as guarantors apply for loans from banks, and the number of loan packages for both husband and wife of borrowers is assessed, and children are not included in the number of packages. The opposite is true.

3. The down payment ratio is 35%-80%, and the second-hand house is evaluated by the bank.

Ps: Down payment is to calculate the loan amount first, and then down payment = total price-loan amount.

For example, the first group is eligible to buy 4.65 million new houses in the Fifth Ring Road, with a down payment of 35%, a loan ratio of 65% × 465 w = 302.25 w, and a loanable amount of 3.02 million. Down payment 465-302 =163 w.

Second-hand housing loan calculation, the loan amount is calculated by the bank evaluation price. The general evaluation price is 90% of the market price, which fluctuates up and down. In some remote areas and old houses, it will be less than 90%.

For example, the first group, around 2000, is eligible to buy a second-hand house with a total price of 465w in the Fifth Ring Road. The appraised price of the bank is about 4 18W, the loan ratio is 65% × 418w = 271.1w, the loan is rounded to 27 1w, and the down payment is 465-2765438.

4. Commercial loans and provident fund loans

4. 1 commercial loans

Commercial loan interest rate: LPR benchmark interest rate is implemented. Add 55 basis points to the first set and 105 basis points to the second set. Announce the current month's interest rate on the 20th of each month. In September, the first set was 4.650.55 = 5.2%, and the second set was 4.65 1.05 = 5.7%.

Appraisal of ordinary houses: The following three conditions must be met at the same time.

(1) Building area ≤ 140_ (except public houses)

(2) The floor area ratio of residential buildings is ≥ 1.

(3) At least one of the unit price and total price of the house is below the standard.

Term of the loan: up to 25 years.

Banks can do it within 40 years, and only a few banks can lend in full over 40 years, and the interest rate is normal.

(2) Or a high-value school district scribing room, the lender's qualification is also good, and the loan can be granted for 25 years.

4.2 provident fund loans

(1) interest rate of provident fund loan: the first set of interest rate is 3.25%, and the second set is 10%.

(2) Duration of provident fund loan: Take all the following restrictions into consideration at the same time, and take the lower value.

(3) Provident fund loan amount: the first set of upper limit 120w and the second set of 60w.

(1) east-west city household registration, purchase the first house outside the six districts of the city, and the loan amount can be increased by 200,000 yuan;

(2) Household registration in the sixth district of the city, and purchase the first house outside the sixth district of the city, and the loan amount can rise by 654.38+10,000 yuan;

In line with the requirements of the second home loan policy, the loan amount is 600,000 yuan.

Personal provident fund loan amount:

Municipal public accumulation fund: the annual loan is 6,543,800 yuan, and if the deposit period is less than 6,543,800 yuan, the loan is 6,543,800 yuan+2,000 yuan according to 654.38+ 0. Married, whoever has a long deposit period and a high amount is yours.

(4) the formula for calculating the amount of provident fund loans

Single loan amount = (individual deposit amount ÷ deposit ratio-1540) × 0.6 ÷ monthly repayment amount of corresponding years.

Married loan amount = (individual deposit amount ÷ deposit ratio-1540× 2) × 0.6 ÷ monthly repayment amount for corresponding years.

(5) Beijing housing provident fund categories: municipal provident fund, state-managed provident fund and central provident fund.

① Beijing (including all districts and counties) Housing Provident Fund Management Center, where the municipal provident fund is deposited, starts with the unit registration number 1 10.

② The place where the state-managed provident fund is deposited is the Housing Fund Management Center of Z Central State Organs, and the unit registration number starts with 5 12 or 502.

③ The deposit place of Zhongzhi Provident Fund is Zhongzhi Branch of Beijing Housing Provident Fund Management Center and Central directly under the authority Housing Provident Fund Management Center.

(six) provident fund loan application conditions

Municipal and state-owned provident fund loan conditions:

(1) The provident fund account has been opened for more than 6 months, and it has been continuously paid in full for 6 months since the date of application.

② The current account is in deposit status and has not been deactivated. (If it is managed by the state, with the approval of the housing fund management center of Z central state organs, the paid employees in the state of caching, sealing or retirement can apply for loans. )

③ There are no outstanding provident fund loans and provident fund discount loans in the applicant's family.

The loan conditions of CIIC Provident Fund:

Pay 12 months in full from the date of loan application.

① At present, it is in a deposit state and has not stopped.

② The applicant and his wife have no outstanding housing accumulation fund, personal housing loan and policy discount loan.

(7) Portfolio loan

Municipal provident fund portfolio loans: interest rates, respectively. Part of the provident fund is managed by the municipal government, part of commercial loans are the same as commercial loans, and the conflicting parts are implemented according to the most stringent interest rates.

Total loans = provident fund loans+commercial loans

Husband and wife, one is in charge of the city and the other is in charge of the country. If the urban management does not have enough loans, the customs clearance provident fund can be used to assist in the consolidated calculation.

State-managed provident fund portfolio loan: in principle, the provident fund part is the same as the customs clearance provident fund, the commercial loan part is the same as the commercial loan, and the conflict part is the most stringent.

Ps: The state-managed provident fund portfolio loan requires that the actual loan amount must be consistent with the loan amount signed online.

How long is the loan period of Beijing provident fund? Conditions for applying for housing provident fund loans

Generally, the longest is 25 years. Specific to the individual, it should be determined according to the age of the loan applicant and the remaining service life of the house purchased.

(1) At the time of application, the loan applicant should continuously deposit the housing provident fund for more than half a year (inclusive) and his housing provident fund account is in a normal deposit state; Retirees who have paid housing provident fund before retirement;

(2) The loan applicant must be qualified to buy a house in Beijing; Apply for housing provident fund and personal housing loan to pay the house price of the purchased house;

(3) There is no outstanding housing provident fund personal housing loan (including discount loan) under the name of the loan applicant's husband and wife;

(4) The existing loan records (including commercial housing loans, housing provident fund personal housing loans) and the housing situation in this city meet the requirements in the following table; At the same time, for the loan applicants whose divorce date is 2065438+March 24, 2007 (inclusive), if they apply for individual housing loans from housing provident fund within one year of divorce, they will be executed according to the second home loan.

Beijing housing loan policy

1, the longest term of housing loan: 25 years; 2. Housing loan interest rate: LPR, 55 basis points for the first set and 105 basis points for the second set; 3, the first set of housing loans to buy ordinary housing, down payment of more than 35%; 4, the first set of housing loans to buy non-shared housing, down payment of more than 40%; 5. The first house with a mortgage record buys an ordinary house with a down payment of more than 60%; 6.

How many years can I borrow a mortgage?

First, the loan term.

1, the longest term of individual housing loan is 30 years, and you can choose 20, 15, 10, 5 years, etc.

2. The longest term of personal commercial housing loan is 10 year;

3. Men under 60 years old and women under 55 years old.

Second, the basic provisions of housing loans

1. loan purpose: it is used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland.

2. Loan targets: China natural persons with full capacity for civil conduct and overseas natural persons with the right of abode in Chinese mainland.

3. Loan amount: The maximum amount is 70% of the total price or evaluation value of the house purchased (built or overhauled).

4. Loan term: up to 30 years.

5. Loan interest rate: It shall be implemented in accordance with the relevant regulations of the People's Bank of China.

6. Repayment method: entrusted deduction and counter repayment.

7. Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term exceeds 65,438+0 years, the method of equal principal and interest and average capital repayment can be adopted.

8. Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , you can use one or more loan guarantees.

Three, apply for a loan should be submitted to the information:

1, identity document;

2. Proof of the borrower's repayment ability;

3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents;

4. proof of down payment;

5. Loan guarantee materials;

6. Other documents and materials specified by the lending bank.

How long is the loan period for the first home in Beijing?

Loans to buy a house in Beijing can be divided into two situations, one is a new house loan and the other is a second-hand house loan. When handling a mortgage, in principle, the loan term should not exceed 30 years, and the personal down payment ratio is generally 30% or more, that is, the loan amount should not exceed 70% of the value of the purchased property;

Second-hand housing loans, the loan period is no longer than 30 years. In addition, there are also requirements for the age of the house, which generally does not exceed 20 years. And the age of the mortgaged property before the loan is no more than 40 years.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Interest rate: the ratio of interest to total loan funds in a certain period of time, which is the expression form of loan price. Namely: interest rate = interest amount/loan principal.

Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.

The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.

benchmark interest rate

The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics.

Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.

Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

Average capital repayment method: that is, the borrower repays the loan in every installment (month) during the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis.

Beijing housing loan period?

Hello, at present, Beijing second-hand housing loans are divided into commercial loans and provident fund loans. The loan term is as follows:

Requirements for service life of commercial loans:

Related to the age of the house: generally it is the age of the house within 30 years; Calculation of the longest loan period: loan period and house age < 50 (different banks)

Borrower's age: generally 65 years old, and the calculation of the longest loan period: the borrower is 65 years old.

The longest loan period is not more than 30 years (the longest loan period for commercial housing is 10 year).

If the above three points are met at the same time, the shorter loan period shall prevail.

Term requirements for provident fund loans:

According to the age of the borrower: longest loan time: municipal provident fund loan: 70- older couple age; State-managed provident fund loans: 69- the age of elderly couples.

Calculated by the age of the house: the longest loan time: brick-concrete (mixed): 47- the age of the house; Concrete: 57 room age

The longest loan is 30 years.

After the above three calculations, the lowest is the final loan term.

The above is for reference only. Please consult the organizer and bank staff for details.

This is the end of the promulgation of Beijing Loan Term Regulations and Beijing Loan Term Regulations 2020. I wonder if you found the information you need from it?