The housing loan for buying a house in Beijing will show you the details of commercial loans, provident fund loans and their calculations.
Second, the loan to buy a house: loan ratio, interest rate, ceiling, calculation
1. Information required for loan purchase.
(1) Original ID card
(2) Household registration book (if Beijing is a collective household registration book, a copy of the first page of the collective household registration book should be stamped; A copy of my page)
(3) Residence permit or electronic residence permit
(4) Bank card in the name of the purchaser
(5) proof of income, with a template
(6) Bank flow
2. Loan term: 25 years at the longest in Beijing. According to the age of the building and the age of the buyer. Generally speaking:
(1) loan period, house age < 70 years.
(2) Loan term: The borrower is under 70 years old.
(3) Different banks and different building structures will have some differences in service life.
If the lender is old, you can consider relay loan.
Relay loan: parents are borrowers and children are guarantors to apply for loans from banks, and the number of loan packages for both husband and wife of borrowers is assessed, excluding children. The opposite is true.
3. The down payment ratio is 35%-80%, and the second-hand house is evaluated by the bank.
Ps: Down payment is to calculate the loan amount first, and then down payment = total price-loan amount.
For example, the first group is eligible to buy 4.65 million new houses in the Fifth Ring Road, with a down payment of 35%, a loan ratio of 65% × 465 w = 302.25 w, and a loanable amount of 3.02 million. Down payment 465-302 =163 w.
Second-hand housing loan calculation, the loan amount is calculated by the bank evaluation price. The general evaluation price is 90% of the market price, which fluctuates up and down. In some remote areas and old houses, it will be less than 90%.
For example, the first group, around 2000, is eligible to buy a second-hand house with a total price of 465w in the Fifth Ring Road. The appraised price of the bank is about 4 18W, the loan ratio is 65% × 418w = 271.1w, the loan is rounded to 27 1w, and the down payment is 465-2765438.
4. Commercial loans and provident fund loans
4. 1 commercial loans
Commercial loan interest rate: LPR benchmark interest rate is implemented. Add 55 basis points to the first set and 105 basis points to the second set. Announce the current month's interest rate on the 20th of each month. In September, the first set was 4.650.55 = 5.2%, and the second set was 4.65 1.05 = 5.7%.
Appraisal of ordinary houses: The following three conditions must be met at the same time.
(1) Building area ≤ 140_ (except public houses)
(2) The floor area ratio of residential buildings is ≥ 1.
(3) At least one of the unit price and total price of the house is below the standard.
Term of the loan: up to 25 years.
Banks can do it within 40 years, and only a few banks can lend in full over 40 years, and the interest rate is normal.
(2) Or a high-value school district scribing room, the lender's qualification is also good, and the loan can be granted for 25 years.
4.2 provident fund loans
(1) interest rate of provident fund loan: the first set of interest rate is 3.25%, and the second set is 10%.
(2) Duration of provident fund loan: Take all the following restrictions into consideration at the same time, and take the lower value.
(3) Provident fund loan amount: the first set of upper limit 120w and the second set of 60w.
(1) east-west city household registration, purchase the first house outside the six districts of the city, and the loan amount can be increased by 200,000 yuan;
(2) Household registration in the sixth district of the city, and purchase the first house outside the sixth district of the city, and the loan amount can rise by 654.38+10,000 yuan;
In line with the requirements of the second home loan policy, the loan amount is 600,000 yuan.
Personal provident fund loan amount:
Municipal public accumulation fund: the annual loan is 6,543,800 yuan, and if the deposit period is less than 6,543,800 yuan, the loan is 6,543,800 yuan+2,000 yuan according to 654.38+ 0. Married, whoever has a long deposit period and a high amount is yours.
(4) the formula for calculating the amount of provident fund loans
Single loan amount = (individual deposit amount ÷ deposit ratio-1540) × 0.6 ÷ monthly repayment amount of corresponding years.
Married loan amount = (individual deposit amount ÷ deposit ratio-1540× 2) × 0.6 ÷ monthly repayment amount for corresponding years.
(5) Beijing housing provident fund categories: municipal provident fund, state-managed provident fund and central provident fund.
① Beijing (including all districts and counties) Housing Provident Fund Management Center, where the municipal provident fund is deposited, starts with the unit registration number 1 10.
② The place where the state-managed provident fund is deposited is the Housing Fund Management Center of Z Central State Organs, and the unit registration number starts with 5 12 or 502.
③ The deposit place of Zhongzhi Provident Fund is Zhongzhi Branch of Beijing Housing Provident Fund Management Center and Central directly under the authority Housing Provident Fund Management Center.
(six) provident fund loan application conditions
Municipal and state-owned provident fund loan conditions:
(1) The provident fund account has been opened for more than 6 months, and it has been continuously paid in full for 6 months since the date of application.
② The current account is in deposit status and has not been deactivated. (If it is managed by the state, with the approval of the housing fund management center of Z central state organs, the paid employees in the state of caching, sealing or retirement can apply for loans. )
③ There are no outstanding provident fund loans and provident fund discount loans in the applicant's family.
The loan conditions of CIIC Provident Fund:
Pay 12 months in full from the date of loan application.
① At present, it is in a deposit state and has not stopped.
② The applicant and his wife have no outstanding housing accumulation fund, personal housing loan and policy discount loan.
(7) Portfolio loan
City provident fund portfolio loan: in terms of interest rate, it is implemented separately. Part of the provident fund is managed by the municipal government, part of commercial loans are the same as commercial loans, and the conflicting parts are implemented according to the most stringent interest rates.
Total loans = provident fund loans+commercial loans
Husband and wife, one is in charge of the city and the other is in charge of the country. If the urban management does not have enough loans, the customs clearance provident fund can be used to assist in the consolidated calculation.
State-managed provident fund portfolio loan: in principle, the provident fund part is the same as the customs clearance provident fund, the commercial loan part is the same as the commercial loan, and the conflict part is the most stringent.
Ps: The state-managed provident fund portfolio loan requires that the actual loan amount must be consistent with the loan amount signed online.
What is the age range of provident fund loans?
The housing age of provident fund loans is less than 25 years.
Lenders applying for housing provident fund loans need to submit a written application to the bank and fill out the Application Form for Housing Provident Fund Loans.
Truthfully provide the following information:
Proof of deposit of the housing accumulation fund of the applicant and spouse, and proof of identity of the applicant and spouse,
It refers to valid residence documents such as resident identity card and household registration book, proof of marital status, proof of stable family income, creditor's rights and debts and other valid documents that affect repayment ability.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
Letter of credit clause
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
What are the requirements for housing age for provident fund loans?
Provident fund loans to buy new houses have no restrictions on the age of houses, while loans to buy second-hand houses require that the age of second-hand houses should not exceed 20 or 25 years. Second-hand houses over 20 or 25 years will not pass the provident fund loan review. Different regions have different specific regulations. Please refer to the age of second-hand houses published by the local provident fund center.
The age of the house will affect the loan application period of the lender. The younger the house age, the longer the loan period that the lender can apply for. So try to choose a property with a younger age to apply for a provident fund loan. In addition, the age of the lender will also affect the term of the provident fund loan. The older the lender is, the shorter the loan period that can be applied for. If you want to apply for a longer loan term, you need to apply for a provident fund loan at a younger age.
As for whether the user can pass the audit after submitting the provident fund loan application, the results of the provident fund audit shall prevail. Different users have different credit qualifications, so the audit results will be different.
Beijing New Mortgage Policy 2022
1. At present, the down payment ratio of the first suite purchased by commercial loans in Beijing is 30%.
2. When buying a first-hand house in Beijing and an ordinary house with an area of less than 90 square meters, the down payment ratio of the provident fund shall not be less than 20%.
3. The down payment ratio of provident fund for ordinary houses with an area of 90 square meters or more purchased in Beijing shall not be less than 30%.
4. In Beijing, the down payment ratio of provident fund shall not be less than 30% when purchasing ordinary housing with a second-hand house area of less than 90 square meters and a house age of less than 5 years.
5. In Beijing, the down payment ratio of provident fund shall not be less than 40% for ordinary housing with a second-hand housing area of over 90 square meters and a house age of over 5 years.
1. More and more banks in Beijing have lowered the interest rate of the first home loan from the benchmark interest rate 10% to 5%, and the speed of approving loans has also accelerated. The interest rate of the second home loan is maintained at 20% of the benchmark interest rate, and the purchase restriction has also changed. The down payment ratio for purchasing two sets of ordinary self-occupied houses in Beijing is not less than 60%, and the down payment ratio for purchasing non-ordinary self-occupied houses is not less than 80%. Suspension of individual housing loans (including provident fund loans) with a loan term of 25 years (excluding 25 years). In addition, it will take 3 years or more for commercial housing purchased by enterprises to be listed and traded again. If the transaction object is an individual, it shall be implemented in accordance with Beijing's purchase restriction policy.
2. According to the latest mortgage policy, there is currently 1 house, and the mortgage is not settled. If you buy a second house with a second loan, the lowest interest rate will go up 10%. The mortgage interest rate is also related to the qualifications of borrowers. The actual implementation interest rate of the second suite in Beijing is subject to the requirements of the bank.
Third, the loan policy for buying a house in Beijing is 1, and the down payment ratio of mortgage. The down payment ratio of mortgage loans in different cities is inconsistent. Generally speaking, the down payment ratio for applying for the first home loan is at least 20%, and the down payment ratio for the second home loan is at least 30%! However, there are exceptions. The down payment for the first suite in Beijing and Shanghai is up to 3.5%. 2. Mortgage interest rate. Now the national mortgage benchmark interest rate is 4.90%. However, different banks have different preferential policies for mortgage interest rates. Generally speaking, ordinary people can enjoy a 10% discount on the benchmark interest rate when buying a house, and a 20% discount for high-quality customers with bank scores. Last year, there was a 30% discount in the process of relatively loose bank credit. However, at 20 17, it is estimated that bank credit will be tightened. For example, Beijing will implement the lowest mortgage interest rate of 10%.
This concludes the introduction of the relationship between Beijing provident fund loans and housing age and the relationship between Beijing provident fund loans and housing age. I wonder if you have found the information you need?