2065438+September 30, 2005, the central bank and the China Banking Regulatory Commission just issued the Notice of the China Banking Regulatory Commission of the People's Bank of China on Further Improving Housing Financial Services, which clearly pointed out that the lower limit of the first home loan interest rate is 0.7 times 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 that have cancelled or failed to implement the "purchase restriction" measures, 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.
First, I bought a suite with a loan, and then I bought a house with a loan after the commercial loan was settled-the first set.
Second, I bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set.
Third, I bought a suite in full and bought a house with a loan-the first set.
Fourth, I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.
5. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.
6. One is that the commercial loan under the personal name has been paid off, and the other is that the provident fund loan has been sold. At the same time, you can provide proof of house sale, apply for a commercial loan and buy a house-the first set of calculations.
After reading the policy description of the 20 15 first home loan related policy, let's take a look at the latest mortgage interest rate.
The mortgage of the first suite has not been paid off. What is the down payment ratio of the second suite?
1. If the mortgage loan is not settled, the second home policy shall be implemented according to the latest policy of 20 15, and the minimum down payment ratio shall be adjusted to not less than 40%, and the business tax exemption period for individual housing transfer shall be reduced from more than 5 years (including 5 years) to more than 2 years (including 2 years).
Second, the latest first suite identification standard:
1, loan to buy a suite, commercial loan has been settled, and then loan to buy a house-the first set.
I bought a suite with a loan and then sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set.
3. I bought a mortgage to buy a house in full-the first set.
4. I bought a suite in full and sold it. If I can't find the property in the housing registration system, I will take out a loan to buy a house-the first set.
Extended data:
Expert analysis:
1. The need to improve housing is not mentioned. Lee Hung, a senior analyst in Shen Yin Wanguo real estate industry, said in an interview that the contents of this notice are consistent with the industry expectations, and there may still be specific measures to be introduced one after another. Generally speaking, the policy statement is neutral, but the actual operation may be very flexible and loose.
2. The notice did not mention "improved housing demand". Although some local governments have defined the "demand for improved housing", for example, the Shanghai Provident Fund Management Center regards the per capita housing construction area of 33.4 square meters as the standard for improving the purchase of houses in the "loan policy", it is quite different for the whole country and needs to be further clarified.
3. The small notice on the possibility of levying property tax in the short term emphasizes that "it is necessary to speed up the research and improvement of housing tax policies and guide residents to establish a reasonable and economical concept of housing consumption", but it does not explicitly mention property tax. It is estimated that the possibility of levying property tax in the short term is very small, but it does not rule out "idling" nationwide or levying property tax on commercial real estate in some areas.