New housing loan policy
Increase support for the construction of small and medium-sized ordinary commodity housing and affordable housing projects. Commercial banks have not issued a clear personal real estate mortgage loan suspension policy.
The notice clearly pointed out that the lower limit of the first home loan interest rate is 0.7 times of the benchmark loan interest rate. For 1 housing families who have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy. At the same time, in cities where the purchase restriction measures have been cancelled or not implemented, families who own two or more houses and have settled the corresponding housing loans apply for loans to buy houses. Banking financial institutions should carefully grasp and determine the down payment ratio and loan interest rate level according to factors such as the borrower's solvency and credit status.
What should I pay attention to when lending?
1, apply for a mortgage and do what you can. Some people think that the bigger the loan amount, the better, but this is not the case! Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.
2. Prepare loan information in advance. Copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, copy of education certificate, copy of income certificate, copy of bank account, purchase contract, down payment invoice and social security related certificates, etc. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.
3. Provide true information. If the loan buyers provide false materials to the bank, it may have a serious impact: it will affect the bank's audit, and it will be impossible to issue loans and realize the dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for loans, which leads developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage materials and pre-sale contracts of commercial housing, and pay a considerable amount of liquidated damages.
4. Clear the repayment method in advance. At present, there are two main repayment methods for bank loans to buy a house, namely equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.
What should we pay attention to in the new housing loan policy and loan? The above content is the answer that everyone wants to find. There are many problems in buying a house loan. Loans involve many aspects, so we must pay attention to the problems around us and pay more attention to the various ways of loans. If people want to buy a house, they must understand the relevant operations of loans.