_2022 Beijing second home loan interest rate latest news

Since June 65438+1 October1day, Beijing has lowered the interest rate of the first individual housing provident fund loan. The interest rate for less than five years (including five years) will be reduced to 2.6%, and that for more than five years will be reduced to 3. 1%. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.

_ Housing provident fund individual housing loan period?

The shortest term of general housing provident fund personal housing loan is 1 year, and the longest is 25 years. Specific to the individual should be combined with the age of the loan applicant and the remaining service life of the purchased house to determine:

(1) Calculate the loan period according to the age of the loan applicant, that is, 65 years old minus the applicant's age at the time of application;

(2) If you buy a second-hand house, you need to calculate the service life of the loan according to the remaining service life of the house, that is, the service life of the building (50 years for brick masonry and 60 years for steel concrete) minus the service life of the building and then minus 3 years.

The shorter of the above two years is determined as the longest loan term. For example, the applicant applied to Beijing Housing Provident Fund Management Center for a loan to buy a second-hand house. His age is 40 and his spouse is 45. The house he bought is a brick-concrete structure and has been used for 23 years. The loan term calculated by age is 25 years, the loan term calculated by the remaining service life of the purchased house is 24 years (50-23-3=24 years), and the longest loan term of the applicant is 24 years.

How to calculate the second-hand housing loan

Question 1: How to buy a second-hand house and how to apply for a second-hand house loan?

Answer: (1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; (2) Eligible buyers apply for loans from loan banks and provide relevant certification materials; ⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal; (4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions; 5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan; [6] The buyer and the seller handle the transfer of property rights. After the transfer, the borrower goes to the bank to handle the loan procedures; (7) The purchaser signs a second-hand house mortgage loan contract with the loan bank; (8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; (9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.

Question 2: How to calculate the house loan? The total amount of expert consultation is 687,500 yuan. If your minimum down payment is 30%, the down payment should be 206,250, and the total loan amount is 48 1.250 yuan. The down payment is 206,2501250 = 207,500 yuan. The total loan amount is 480,000 yuan only.

If the benchmark interest rate of bank loans is 6.55%

10 years, monthly payment of more than 5460. Interest is 655500 yuan, and interest 175500 yuan.

15 years, the monthly payment is about 4,200 yuan, with interest of 755,000 yuan and interest of 275,000 yuan.

If the loan interest rate can be 15% off. 5.22% interest rate

The monthly payment of 10 is about 5 150, with interest of 6 17000 and interest of 137000.

15 the monthly payment is about 3,850 yuan, with interest of about 690,000 yuan and interest of about 210.3 million yuan.

The discount of interest rate depends on whether there is a discount on the loan.

The monthly payment depends on your repayment ability and down payment ratio.

Generally speaking, the more down payment, the shorter the loan term, the less interest you pay and the lower the monthly payment.

The lower the down payment, the longer the loan term, and the more interest you have to pay, but the monthly payment will not be much.

Question 3: How to calculate the down payment for second-hand housing loans? Calculation method: net down payment = actual transaction price-customer loan amount (net down payment: down payment excluding national tax and intermediary service commission)

Second-hand housing loan down payment:

1. Seller factor

1) Purchase the house in full or pay off the bank mortgage.

If the buyer does not have much money, but the credit status is good, generally only 20% down payment is needed as the down payment of second-hand housing loans.

2) The mortgage has not been paid off, and the buyers are required to cooperate with the repayment.

According to the credit status of buyers, the general down payment is 30%. In addition, it is suggested to take the fund supervision procedure to avoid losses due to some reasons.

2. Buyer's factor

1) There are sufficient funds to pay the house price in one lump sum.

Of course, this situation does not involve the down payment.

2) The buyer is short of funds and needs a loan. This depends on whether there is real estate under the name of the purchaser. How many properties are there?

(1) If there is no house under its name, or there is no property with outstanding loan, then the second-hand house purchased is the first suite, subject to the evaluation price, not the market price. If some cities have introduced policies to restrict purchases and loans, the local policies shall prevail.

(2) There is still a set of property under the name that has not paid off the loan, so the second-hand house purchased is the second suite. Apply for a loan, the down payment ratio shall not be less than 30%. The corresponding loan interest rate will also rise.

(3) If there are two properties under the name of the purchaser and they are all repaying normally, you can't apply for a loan to buy a second-hand house.

3. The second-hand housing factor

If the purchased second-hand houses are poorly located and older, some banks will also increase the down payment ratio and loan interest rate.

Question 4: How to calculate the second-hand housing mortgage loan? The second-hand housing loan is based on the appraised price of the house, and banks with different appraised prices may have differences. Search the mortgage calculator directly on Baidu, and you can help you calculate the monthly payment as long as you enter the loan amount and the number of years.

Question 5: How do second-hand housing loan owners calculate the down payment ratio of second-hand housing loans?

1. If the last one has paid off the mortgage or does not need the buyers to share the loan, and the buyers are very talented and can get 80% of the second-hand housing loan, then only 20% of the second-hand housing loan down payment is required.

2. If the last one has not paid off the loan and requires the buyers to cooperate with the loan repayment, then it is safer to go through the fund supervision procedures and then make a down payment of 30% of the second-hand housing loan.

3. If the buyer has sufficient funds and can pay the house price in one lump sum, there is no need to pay the down payment for the second-hand house loan.

Calculation method of down payment for second-hand housing mortgage loan;

Net down payment = actual sales price-customer loan amount (net down payment: excluding state taxes and intermediary service commission)

Loan amount = 80% of the appraised price of the second-hand house (the first loan amount can reach 80%).

The loan amount budget method can be used to estimate the approximate evaluation quotation at 85% of the contract price.

If it is the first time to buy a second-hand house, the second-hand house mortgage loan should be at least 30% down payment, and 70% can be loaned; If it is a second-time house purchase, the down payment of the second-hand house mortgage loan shall not be less than 70%; The interest rate is 6.55%.

Note: customers and owners can negotiate when to pay the down payment for the sale of second-hand houses, but they must pay taxes before the transfer. Usually, the house purchase deposit of 10% is paid when signing the contract (if the buyer does not buy it, the owner will not refund it; If the owner doesn't sell it, it needs to be returned to the buyer twice); The rest can be recorded at the agreed time, such as the down payment balance before the final tax payment within one week, half a month or one month.

Delivery time of second-hand house:

The time required for full purchase and loan purchase is different, as follows:

First, the full purchase, about 7 days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Down payment for house transfer: 1 day.

3. Pay taxes and get a new real estate license: 4 working days.

4. Final payment of property delivery and payment: 1 day.

Two. Buying a house by loan takes about 20 working days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Submit the loan application and sign the loan contract: 1 working day.

3. Property appraisal and third-party guarantee: 1-2 working days.

4. Bank approval: 5 working days.

5. Down payment for house transfer: 1 working day.

6. Pay taxes and get a new real estate license: 4 working days.

7. It takes 2 working days for the bank to receive the loan contract and mortgage registration.

8. Bank loan to the seller, property delivery and final payment: 2-5 working days.

Question 6: How to calculate the down payment of second-hand housing mortgage loan? According to commercial loans and provident fund loans, the calculation criteria for loans are as follows:

(a) the buyer's commercial loan to buy a house:

1. The buyer chooses a commercial loan to purchase the first house, with the minimum down payment ratio of 30% of the appraised house price and the maximum loan ratio of 70%;

2. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 50% of the appraised house price and the maximum loan ratio of 50%;

3. If the buyer chooses a commercial loan to purchase a commercial house, the minimum down payment ratio is 50% of the appraised house price, and the maximum loan ratio is 50%;

(II) Purchase of house by the buyer's provident fund loan:

1. The buyer chooses provident fund loan to purchase the first house, with the minimum down payment ratio of 20% of the appraised house price and the maximum loan ratio of 80%;

2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;

3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.

Question 7: How to calculate the transfer fee for second-hand housing loans? Taxes and fees payable by buyers in second-hand housing transactions include: 1. Deed tax: 1.5% of the house price (3% for areas above 144 square meters and1%for areas below 90 square meters); 2. Stamp duty: 0.05% of the house price; 3. Transaction cost: 3 yuan/m2; 4. Surveying and mapping fees: by region. The taxes payable by the seller include: 1. Stamp duty: 0.05% of the house price; 2. Transaction cost: 3 yuan/m2; 3. Business tax: 5.5% difference (if the real estate license is less than 5 years); 4. Personal income tax: 20% of the profit of real estate transaction or 1% of the house price (the real estate license is more than 5 years and the only house is exempt). Take a house with a total value of 400,000 as an example, the transfer fee is nearly 30,000. Among them, the buyer needs to bear a large cost of deed tax; Other expenses shall be borne by the seller, but generally the seller will agree to be paid by the buyer.

Question 8: How is the commercial loan amount for purchasing second-hand houses calculated? If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The maximum loan/credit line shall not exceed 70% of the mortgaged value of the purchased property, and must comply with the relevant regulations of the regulatory authorities and banks. If the policy of the regulatory authorities is adjusted, it shall be implemented in accordance with the relevant regulations of banks and regulatory authorities. The mortgage value shall be determined according to the principle that the present value of the mortgaged property is lower than the transaction price.

For specific information about the corresponding amount of the loan, you can also confirm it in detail through the counter personal loan department when applying through the counter personal loan department.

Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.

Question 9: Buying a second-hand house loan. How to calculate one according to the flat valuation? The appraisal price is based on the market comparison method of real estate appraisal, and the average unit price of a specific real estate is converted through professional treatment of the listed price of the house for sale in the same real estate and the actual transaction price of the same type of real estate.

Second, a set of old house value geometry cannot be "roughly estimated" by experienced appraisers, and there must be a set of calculation and operation methods. The "market comparison method" is mainly adopted, and three sets of comparable properties that meet the following requirements are usually selected: similar to the location of the house to be evaluated, similar in transaction time, same in property rights, same in apartment type, similar in building age, same in structure, same in ownership and similar in value. Taking the transaction price of these three houses as the comparison object, plus several correction coefficients, the final arithmetic average is the appraisal price of the entrusted appraisal house.

Third, when signing online, the transaction amount can be used as the online signing price according to the evaluation price, which can save some tax money. For example, if the actual transaction price is 6.5438+0 million and the evaluation price is 900,000, 900,000 can be used as the online signing price.

Question 10: How to calculate the down payment of the house loan? The average price of the house is 4000, and the total price of the house is 440 thousand.

To calculate the down payment, we must first calculate the loan amount, with a down payment of 30% and a loan of 70%.

The loan amount is calculated according to the regional guidance price (the lowest transfer price stipulated by the Construction Committee), which is generally lower than the transaction price 10%.

4000-(4000X 10%)=3600 (regional guide price)

3600X 1 10 square meter =396000 yuan.

396000 x 70% = 27720 yuan (this is your loan amount).

440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.

Your down payment is 6.5438+0.6 million.

The monthly payment is calculated like this.

Loan amount x loan term x interest rate = monthly payment

277200X20X7.05=39085200

Monthly payment for 400 yuan.

As long as you are an adult, you can apply for a loan. You don't need to work or start a business. Bank mortgage and buying a house are basically random loans!

How to calculate interest on second-hand housing loans

1. Second-hand housing loans have different interest calculation methods due to different repayment methods.

2. If the borrower repays the loan with equal principal and interest, the monthly repayment interest amount is the repayable principal x loan interest rate divided by the number of loan periods. If the applicant repays the loan with the same principal, the monthly repayment interest is the principal payable in the current month x the loan interest rate.

3. The principal of second-hand housing loan accounts for 70% of the transaction price of second-hand housing at most and 30% of the transaction price of second-hand housing at least. The specific interest rate is subject to the interest rate agreed in the loan contract, and so is the number of loan periods.