It's impossible.

2. What are the regulations of the New Deal for Nanjing Second Suite?

Because "the loan is not recognized", the definition of the second suite is simpler. If the purchaser has registered a loan to purchase a house in the bank credit information system, and the loan is not settled, and applies for a loan to purchase a house, the house will be defined as a second suite or above. There are three common situations: (1) loan to buy 1 set, but the commercial loan has not been paid off, and the loan is used to buy a house. (2) I bought two houses with loans in my own name, and I paid off 1 set, but I didn't pay off 1 set, so I borrowed again to buy a house. (3) husband and wife. One party buys a house by commercial loan before marriage, and the other party buys a house by provident fund loan before marriage. After marriage, I borrowed money in the name of husband and wife and didn't pay it off, so I bought a house again. The latest policy of Nanjing portfolio loan (provident fund commercial loan) (1) is no room: 30% down payment, benchmark interest rate. (the provident fund has been loaned twice, and it is not allowed to borrow the provident fund again. It can only be purely commercial. (2) There is 1 suite in the name, and the loan is paid off: commercial loan: 30% down payment, and the lower interest rate is 30% off the benchmark interest rate. Provident fund loan: the per capita housing area of a family is less than 32_ or the housing area of a family of three is less than 100_, the down payment is 30%, and the interest rate is 1. 1 times. (A family of three is greater than 100_ or exceeds the per capita housing area limit by 32_. No matter whether you have used provident fund loans or not, you cannot apply for provident fund loans again. (3) There are 2 suites in the name, and the loan has been paid off. Apply for a third home loan: commercial loan: the bank will review the down payment and interest rate provident fund loan according to the situation: loans are not allowed. 1. Nanjing pure provident fund loan (1) The latest policy has been loaned to the provident fund, and there is no house under its name, the first set; (2) The second-home provident fund loan is limited to Nanjing where the per capita housing area is less than 32_ or a family of three is less than or equal to 100_. (3) There are two situations in the second suite: 1, the provident fund has been paid off by one loan, and the second suite will be bought if there is 1 suite; 2. I have never borrowed the provident fund, and I have a suite, which is also considered as a second suite. (4) Three situations in which loans are prohibited: 1, the third application for provident fund loans; 2. Buy the third and above houses; 3. The provident fund loan has not been paid off. Second, Nanjing commercial loan interest rate and down payment ratio Third, Nanjing banks down payment ratio and mortgage interest rate Fourth, provident fund loan amount and interest rate Fifth, Nanjing provident fund withdrawal new rules What is the down payment ratio of buying a house in Nanjing? 1. For families who own 1 apartment and have outstanding housing loans, if they apply for commercial personal housing loans to buy ordinary self-occupied houses again to improve their living conditions, the minimum down payment ratio in Nanjing and Suzhou will be reduced from 70% and 60% to 45% respectively, and the minimum down payment ratio in other 1 1 cities will be reduced from 60% to 40%. 2. The loan interest rate is still not lower than the benchmark interest rate 1. 1 times. Three, on the basis of the above, the banking financial institutions can determine the down payment ratio and interest rate level according to the specific credit status of each borrower (customer).

Three, how to apply for commercial loans to provident fund loans?

brief introduction

Under the pressure of the central bank's repeated interest rate hikes, many owners who are under the pressure of housing supply have begun to be cautious. In the case of abundant funds, of course, I choose to repay the loan in advance, but I still want to continue to choose the loan, so I will turn the commercial loan into a provident fund loan, and the pressure is relatively less heavy. Ningbo, Nanjing, Guiyang, Fuzhou, Putian, Dongguan and other cities across the country have reduced the pressure on property buyers.

Can many prospective owners transfer commercial loans to provident fund loans after payment? After the increase in the amount of provident fund loans, how to turn the previous portfolio loans into commercial loans?

situation

To apply for "commercial loan to provident fund loan", the borrower should also apply for commercial loan to provident fund loan.

1, application conditions;

2. The borrower must be the buyer);

3. The original commercial housing purchase loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

4. Repayment for more than one year (inclusive), good credit record and no overdue loan balance;

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;

6. Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;

7, did not apply for housing provident fund loans.

Housing provident fund loans are policy loans with lower interest rates than commercial housing loans. Opening them to reduce the repayment pressure of employees will further improve their housing payment ability. In the case of the same loan amount, loan term and repayment method, it can save a lot of interest expenses compared with commercial housing loans after being converted into housing provident fund loans.

For example, for a loan of 600,000 yuan, the quasi-interest rate is 20 years, and the repayment method is the equal principal and interest method. The total principal and interest for 20 years is 65,438+0,026,682.47 yuan, of which the total interest paid is 426,682 yuan. The total principal and interest for 20 years is 862,796,5438+02 yuan, of which the total interest paid is 862,796.438 yuan.

Quota condition

Apply for the loan amount of "commercial loan to provident fund loan", and meet the following conditions:

1 degree;

2. Within the specified proportion of the house value (the house value is determined according to the lower of the original purchase price and the evaluation price);

3. Within the balance of the original commercial housing purchase loan.

Terms and conditions

1, within the loan period of local housing provident fund;

2. Within the remaining life of the original commercial housing loan.

3. Implement the interest rate of "business-to-business" loans.

, should provide a guarantee that meets the conditions for applying for housing provident fund loans.

pay attention to

1, no bad repayment record;

2. Apply for the consent of the original loan bank;

3, involving the transfer of provident fund loans, and can handle mortgage procedures;

4. The loan amount transferred to the provident fund loan shall not exceed the remaining loan principal of the original commercial loan, and shall not exceed the original purchase price of the house and the house with low appraisal value.

5. The balance of the original loan exceeds the amount of the loan transferred to the provident fund, which will be raised by the new borrower (or borrower) and used together with the loan transferred to the provident fund to repay the original loan in advance.

If you just applied for a commercial loan and want to apply for a provident fund loan, can a commercial loan be converted into a provident fund loan? Call Chengdu Provident Fund Management Center for consultation on this issue. If the commercial housing loan is still in the application process, you can cancel the application for commercial loans and apply for housing provident fund loans instead, but only after the commercial housing is capped can you successfully apply for loans. If the buyer's commercial loan has been successfully applied, it cannot be transferred to the provident fund loan.

Although Chengdu has not yet implemented commercial loans to provident fund loans, Ningbo, Nanjing, Guiyang, Fuzhou, Putian, Dongguan and other cities across the country have begun to implement commercial loans to provident fund loans to ease the pressure on buyers. Then why didn't Chengdu, which has been at the forefront of provident fund operation, open the channel of "business to public"? According to industry analysis, under the current sales pressure, almost all the buildings capped in Chengdu accept provident fund loans, and the utilization rate of provident fund is higher than that of the above cities. There is no need to open a "business-to-business" channel for the time being.

4. What is the latest policy of Nanjing commercial loan to portfolio loan?

Commercial loans to portfolio loans are mainly to save loan interest rates. After all, the loan interest rate of the provident fund is relatively low.

In Nanjing, to change into a portfolio loan, the following conditions must be met:

1. Require the applicant to pay the housing provident fund to the housing provident fund management center on time, in full and continuously within six months before applying for the commercial loan of the provident fund portfolio loan;

2. The house purchased by the applicant is an independent ordinary house;

3. The applicant has the ability to repay the principal and interest on time and a stable source of income;

4. The applicant has obtained the house ownership certificate, house ownership certificate and state-owned land use certificate of the purchased house;

5. The borrower has no outstanding provident fund loan;

6 other conditions required by the housing provident fund management center.

The specific process of converting commercial loans into portfolio loans is as follows:

1. The applicant shall make an appointment online first and declare the loan;

2. After the bank accepts it, it shall submit the loan portfolio application to the provident fund management center;

3. After the approval of the center, submit it to the bank for approval;

4. After the applicant signs a contract with the bank, the original commercial loan is settled, and the bank issuer is entrusted to turn it into a corporate loan;

5. The applicant receives the information and the business is completed.