At present, among tier-one banks in 17, the interest rate of the first home loan is 5%- 10% higher than the benchmark interest rate issued by the central bank, which has become the mainstream. For example, the interest rate of ICBC's first home loan was lowered from 10% to 5%, and that of BOC's first home loan was lowered from 10% to 5.5%. For example, the first home loan interest rates of commercial banks such as China Merchants Bank and Industrial Bank have also been slightly lowered.
Loan purchase method;
1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan.
3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
What are the ways to buy a house loan in Guangzhou?
There are three main ways to buy a house by loan:
1, housing provident fund loan: housing provident fund loan is a policy subsidy with a very low loan interest rate.
2. Personal housing commercial loan: also known as bank mortgage loan. The balance of the loan bank deposit shall not be less than 30% of the funds required for house purchase, and shall be used as the down payment for house purchase.
3. Individual housing portfolio loans: also known as consolidated loans, are issued through provident fund loans. After the purchase price exceeds the upper limit, the insufficient part must apply to the bank for housing commercial loans. The interest rate of portfolio loan is moderate and the loan amount is large, so it is favored by many lenders.
Which bank in Guangzhou has a good mortgage?
The best banks for mortgage loans are China Merchants Bank, China Construction Bank and Agricultural Bank.
1. Features of personal consumption loan products of China Merchants Bank: It can be distributed in different periods according to customers' needs.
The amount of each loan shall not exceed the approved loan amount, and each loan has the same loan term and repayment method.
2. CCB's personal consumption loan products are characterized by high loan amount, wide consumption purposes and low loan interest rate. The loan interest rate of its fast e-loan products is only about 7.6%.
CCB's loans are comprehensive. We can not only borrow money to buy a house, but also buy a house for decoration. We can handle both first-hand housing loans and second-hand housing loans. We can also handle provident fund loans and personal housing loans. We can provide loans to individuals who buy commercial housing and affordable housing. Therefore, CCB has provided people with too much convenience in life.
3. Agricultural Bank is the golden key to build a mortgage brand.
Many credit brands have been launched, with good service industry and flexible repayment methods, so they are very popular with people. At the same time, we are constantly innovating in the mortgage business. Not long ago, the Agricultural Bank of China cooperated with authoritative mortgage agencies to launch fast loans, which set off a rapid wave.
4. ICBC's personal consumption loan product features: personal comprehensive consumption loan has a wide range of consumption purposes, high loan amount and long loan term.
Industry and commerce have always taken a low-key route, but in fact, their strength should not be underestimated. In recent years, their products such as commodity housing mortgage loans, individual housing portfolio loans and short-term corporate loans have attracted public attention.
5. Features of Industrial Bank's personal consumption loan products: the longest credit period of personal comprehensive consumption line can reach 10 year.
The line is reused during the credit period, and the used line can be recovered after the loan is repaid. There are various ways of guarantee, such as pledge, mortgage, mortgage plus guarantee, guarantee or credit. Loans can be used for studying abroad, house decoration, travel, large consumption of durable consumer goods or other personal or family needs.
Extended data
1, try to choose a salary card. Bank flow is one of the most important assessment indicators for lending. If your salary card is your mortgage card, then the bank can not only better understand your financial situation through your income, but also save us the trouble of transferring money.
In addition, we will often use the money on the salary card to buy some self-selling wealth management products sold by funds and banks. Since you have done business for the bank, the bank will naturally not "treat you badly" and will certainly "facilitate" its customers to lend money.
2. Choose the bank that cooperates with the developer. Generally, when buying a house, the sales manager will recommend a bank as your repayment bank, and these banks are all banks that cooperate with developers. Therefore, if you choose these banks, there is basically no problem in approving loans, and it is often faster. As mentioned earlier, banks that cooperate with developers also want to repay as soon as possible.
Housing loan conditions in Guangzhou
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. When applying for a personal housing loan, a loan must be provided. In Guangzhou, what are the conditions for personal loans to buy a house? 1. Have a local permanent residence in Guangzhou or a stable residence in Guangzhou, and purchase social security; 2. The borrower has a legal and stable income source, and the monthly repayment amount of the mortgaged house does not exceed 50% of the monthly income; 3. The borrower has the ability to pay a down payment of not less than 30% of the total house value; 4. The borrower has good credit and no bad credit record in the near future; 5. Other requirements of local banks for borrowers. 2. What are the preparation materials for personal loans to buy a house in Guangzhou? To apply for a personal loan to buy a house in Guangzhou, you need to prepare the following materials: 1, which proves that you have paid all or part of the down payment; 2. Proof of repayment ability of the borrower 3. Original and photocopy of the contract, agreement or letter of intent for purchasing second-hand houses; 3. Legal and valid identity documents of the borrower: resident identity card, household registration book, military officer's card or other valid residence permit; ; 4. The borrower and/or spouse have the right to inquire about the authorization documents of the personal credit information system of the People's Bank of China; 5. The leased property must provide a certificate of change in the leased rights and interests; 6. A copy of the current passbook of China Bank in the borrower's own name for capital contribution; 7, the transaction of housing "real estate value assessment report"; 8. Other supporting documents or materials required by the lender; 3. What are the general ways to buy a house with personal loans in Guangzhou? Personal loans can be divided into the following three ways. 1. The full name of the personal housing entrusted loan is the personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses. Then, what are the conditions for Guangzhou provident fund loans to buy a house? (1) Have a valid identity card and full capacity for civil conduct; (2) A permanent residence in Guangzhou, who has continuously paid the housing provident fund for more than 6 months (including 6 months) when applying for the housing provident fund loan; Non-permanent residence in Guangzhou, who has continuously paid the housing provident fund 12 months (including 12 months) when applying for the housing provident fund loan; (3) There is a purchase contract; (4) The down payment for house purchase reaches the specified proportion; (5) The purchased house can be used for mortgage; (six) a stable occupation and income, good credit, the ability to repay the principal and interest of the loan; (7) Meet other conditions stipulated by Guangzhou Housing Provident Fund Management Center and the entrusted bank. The materials to be submitted include: (1) individual housing provident fund loan application form (printed by the system); (2) Valid certificates such as resident ID card and household registration book (original and 2 copies); (3) proof of marital status (original, 2 copies); (4) Purchase contract, first purchase invoice or receipt, deposit receipt (with original and 2 copies attached); (5) Income certificate and mortgage account (the mortgage account provided by the borrower must be a local bank account opened with 18 ID card, with two originals and copies); (6) Collection account (original and 2 copies); (7) Real estate registration inquiry certificate and personal credit report (original); (eight) other documents and materials required by the bank; Handling process: (1) Apply for a loan from the undertaking bank; (2) The bank receives the information and conducts preliminary examination and approval; (3) approved by the central government; (4) generate contract, handle mortgage and scan mortgage information; (5) Examination and approval of bank scale; (6) Examination and approval center scale and financial audit; (7) Bank lending, returning lending data; 2. Personal housing self-operated loans are loans issued to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. 3. Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and white camp loans. In addition, there are housing savings loans and mortgage loans. Iv. Guangzhou personal loan application process 1, providing consultation, accepting applications and conducting pre-loan investigation; 2. Loan approval; 3. Loan issuance; 4. Loan recovery;