You can borrow money to buy a house if you meet the following conditions:
Must be at least 18 years old, have full capacity for civil conduct, and have a permanent residence for urban residents or a legal and valid residence certificate.
1. loan purpose:
It is used to support individuals to purchase and overhaul houses in Chinese mainland towns. At present, its main product is mortgage plus installment guarantee personal housing loan, commonly known as "personal housing mortgage loan".
2. Loan objectives:
China citizens with full capacity for civil conduct, Hong Kong, Macao and Taiwan natural persons with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.
3. Loan conditions: The borrower must meet the following conditions:
Have a legal status; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; There are legal and effective contracts and agreements for the purchase and overhaul of housing and other supporting documents required by the loan bank; Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; Having the assets mortgaged or pledged by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor; Other conditions stipulated by the lending bank.
4. Loan amount:
The higher loan amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower);
5. Loan term: Generally, the longest loan term does not exceed 30 years.
6. Loan interest rate: If the loan term is less than 5 years (including 5 years) and more than 5 years, the annual interest rate of the loan is different. (according to the actual situation of local governments).
7, apply for a loan should be submitted to the information:
(1) individual housing loan application;
(2) Copy of identity documents (resident identity card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents);
(3) The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank;
(4) Legal house purchase (overhaul) contracts, agreements and relevant approval documents;
(5) List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by an evaluation agency recognized by the loan bank;
(6) The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;
(7) The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank;
(8) Relevant certificates of self-raised funds used by the borrower to purchase (overhaul) the house;
(9) House sales (pre-sale) license or the property ownership certificate of the building (existing house) (copy);
When will the loan of 20 17 12 be repaid?
If the loan is applied on 20 17 and the term is 12, then all the loans can be paid off by 2029. All you have to do is repay the loan contract.
About long-term loans.
Long-term loans are loans for more than 5 years (excluding 5 years), with a maximum of 30 years. The specific amount shall be determined by the commercial bank through consultation with the borrower according to the borrower's age, working years, repayment ability and other factors. Different types of loans have different maximum terms.
The loan term refers to the period from the time when the lender issues the loan to the borrower to the time when the loan is recovered. It is the time limit for the borrower to actually use the loan.
The concept of long-term borrowing
Long-term loans refer to all kinds of loans that enterprises borrow from banks or other financial institutions for more than five years, mainly including pledged loans, margin loans, credit loans and equity pledge loans.
The basic analysis of long-term loans can also be divided into four steps like short-term loans: paying attention to the total amount, collateral, interest and use of long-term loans. The basic analysis ideas are the same as those of short-term loans, so I won't repeat them here.
I only mention one difference. The smaller the short-term loan amount, the better. But the less long-term loans, the better. Because it is reasonable for enterprises to use leverage appropriately to accelerate their development, the short-term cash flow pressure of enterprises is not great, so we should treat long-term loans dialectically. Generally, we will compare the asset-liability ratio with our peers to see the similarities and differences.
For most enterprises, the proportion of short-term loans is very low, and most of them are long-term loans. Investors are still worried about long-term liabilities. On the basis of paying attention to solvency, there are several concerns that I want to talk to you about.
Another high loan-to-deposit ratio refers to high inventory and loans, which should also attract investors' attention. Because the inventory value remains high for a long time, it generally means that the company's products are unsalable and there are a lot of funds in the inventory. At this time, we should pay attention to the changes in performance and be alert to the impact of declining performance on solvency; In addition, we should pay attention to the projects under construction. If enterprises borrow for a long time to expand production, this is obviously contrary to the logic of inventory backlog.
In addition, we should pay attention to the double height of fixed assets and loans, that is, the double height of fixed assets and loans. The worst result is that enterprises misappropriate funds through fixed assets. At this time, it is necessary to comprehensively analyze the company's production capacity, see the matching degree of fixed assets and production capacity, and make a comparison with peers.
The concept of capitalization has been mentioned in short-term loans, but more importantly, it needs to be explained again here.
Capitalization will form the company's assets and will not reduce the company's current profits, but if it forms invalid fixed assets, it will bring great depreciation pressure to the company in the future; If it is expensed, it will reduce the current profit and then reduce the company's total assets.
In addition, because the assets can be adjusted when they reach the predetermined usable state, it will also affect the current profits, so there is the possibility of manipulating profits.
20 17 how long is the loan period suitable? How long can I keep it?
20 17 how long is the loan period suitable? How long can I keep it?
1. What is the term of commercial loans?
The specific loan period should be calculated according to the individual's age, which should not exceed 65 for men and 60 for women.
For example, if a man is 54 years old now, his longest loan period can only be 1 1 year, 65-54= 1 1 year, and others will be discussed in turn. And the longest loan period of each bank is different.
The maximum term of a new house is 30 years, and the maximum term of a second-hand house is 15 years. (The longest term of second-hand housing loans varies from region to region. )
Second, how is the loan period of individual housing provident fund stipulated?
The longest loan period of housing provident fund shall not exceed 30 years, and the borrower's age shall not exceed the national statutory retirement age, that is, men shall not exceed 60 years of age and women shall not exceed 55 years of age. If both the loan applicant and the spouse meet the conditions for applying for housing provident fund loans, the loan term can be calculated according to the party with longer remaining working years.
(The above answers were published on 20 17-02-07. Please refer to the actual purchase policy. )
When buying a new house, go to Sohu Focus.
20 17 loan to buy a house 15 years, how many more years?
Usually about two years. But if it is equal principal and interest, it is different. It is most cost-effective to repay the principal and interest of 15 in advance in the seventh month of the fifth year.
1. In general, the earlier the loan is repaid, the better. However, some banks have set a higher penalty for prepayment, and banks generally require prepayment for one year. Matching principal and interest is a repayment method of loans, which is actually a kind of compound interest. Compound interest means that the longer your loan is delayed, the more interest you will have, because later, the interest will be included in the principal to calculate the interest you have to pay this month, so it belongs to "compound interest".
On the surface, the equal amount of principal and interest gives the same interest every month, but it is different in essence. Because it "the sum of principal and interest paid every month remains the same, but the ratio of principal and interest is different, and the proportion of capital base will become larger and larger."
Second, the equal principal and interest repayment method
1. That is, the borrower repays the loan principal and interest in equal amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.
2. Because the monthly repayment amount is equal, in the initial monthly repayment of the loan, after excluding the monthly settlement interest, the loan principal is less; In the later stage of the loan, due to the continuous reduction of the loan principal, the loan interest is continuously reduced in the monthly repayment amount, and the monthly repayment of the loan principal is more.
The difference between average capital and equal principal and interest is mainly reflected in the following aspects:
First, the monthly repayment amount is different.
Under the repayment law of average capital, the monthly repayment amount is decreasing, and the borrower repays the principal fixed every month, but the repayment interest will decrease with the decrease of the principal; For equal principal and interest repayment, the monthly repayment amount is fixed, but the proportion of principal and interest in the monthly repayment amount will change, and the proportion of interest in the early repayment amount is larger. With the monthly repayment, the proportion of interest will be less and less, and the proportion of principal will be more and more.
So much for the introduction of the loan term of 20 17.