1. What are the conditions for buying a house with a loan in Changzhou?
What conditions does Changzhou commercial loan need to buy a house?
(1) has legal status;
(two) a stable economic income, good credit and the ability to repay the principal and interest of the loan;
(3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;
(4) Self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guarantee to pay the down payment of the purchased (overhauled) house;
(5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;
(6) Other conditions stipulated by the lending bank.
Foreigners need to provide local tax payment certificate or social insurance payment certificate 1 year or more when they borrow money to buy a house. If it is paid in full, there is no need to provide relevant certificates.
What are the conditions for Changzhou provident fund loan to buy a house?
(1) A natural person with full civil capacity who has reached the age of 18;
(2) When applying for a loan, the housing provident fund is remitted normally, and individuals and units have paid the housing provident fund in full and on time for 6 months or more from the date of application;
(3) Can provide valid certification materials such as my purchase, construction and overhaul of self-occupied housing;
(four) has a stable income and good credit, and has the ability to repay the principal and interest of the loan on time;
(5) provide the guarantee recognized by the provident fund center for guarantee;
(6) Meet other conditions stipulated by the Provident Fund Center.
Changzhou opens housing provident fund loan in different places. Employees who buy houses in this city but have paid housing provident fund in other cities for more than 6 months can apply for housing provident fund loans in this city as long as they meet the conditions of housing provident fund loans in this city and enjoy the same preferential policies as employees in this city.
2. What is the interest rate of Changzhou loan to buy a house?
First suite interest rate =LPR+ bonus points determined by provincial banks+bonus points determined by banking financial institutions.
Second home loan interest rate =LPR+60 basis points+bonus points determined by provincial banks+bonus points determined by banking financial institutions.
For example:
Assuming mortgage calculation: the first suite is 4.85+ 128BP (basis point), that is, it rises by 25%; The outstanding amount of the second suite is 4.85+ 177BP, which is 35% higher.
If the first home loan service with a 30-year loan of 6,543.8+0,000 yuan is carried out in the bank, only 3 yuan needs to be paid more every month, which is 654.38+0,080 yuan in total.
Therefore, judging from the existing new rules of testing water and adding points, the new personal housing loan interest rate has slightly increased, but it has not changed much and will not significantly increase the interest burden. Short-term fluctuations are inevitable, but they should be within the psychological acceptance of the public.
Third, the new policy of Changzhou loan to buy a house in 2020
The interest rate of the first suite in Changzhou is 5.35%, the interest rate of the second suite is 5.7%, and the loan is released in 1-2 weeks.
According to the current survey, the interest rate of the first suite in many banks is generally 5.4%, and the interest rate of the second suite is 5.6%.
Among the 10 banks surveyed, the first home loan interest rates of Bank of Communications and Postal Bank are relatively low, rising by 60BP to LPR4.75%, with an increase of 5.35%.
Second suite: 10 Bank, Bank, Postal Savings Bank, LPR 4.75%+80bp, 5.55%; In addition, the second home loan interest rate of China Bank is 5.7%.
Overall, the second-home mortgage interest rate is still at a high level.
On the 20th of this month, a new round of LPR announced that the annual interest rate of 1 year would be lowered from 4. 15% to 4.05%, and the interest rate would be lowered by 10 basis point; The interest rate for five years and above is only lowered from 4.80% to 4.75%, and the interest rate is lowered by 5 basis points.
Interest rate cuts are a big plus for buyers, reducing the cost of buying houses and promoting transactions in the new housing market. The property market is expected to reproduce the hot scene. In short, the decline in the benchmark mortgage interest rate is a big positive for the real estate market and sends a strong policy signal.
The above is about the conditions of Changzhou loan to buy a house, what is the interest rate of Changzhou loan to buy a house, and the relevant content of Changzhou loan to buy a house in 2020, I hope to help everyone!