Second home loan interest rate
In terms of interest rate, for second-home loans, commercial banks strictly implement the policy of floating 10%, that is, 8.613%; Based on the same loan of 500,000 yuan, the term is 20 years, the principal and interest are equal, and the monthly repayment of 8.6 13% is 4,374.9 yuan; If you enjoy the preferential interest rate of 15%, you can save 60 1. 1 yuan by repaying RMB 3,773.8 per month; The difference is obvious.
The second set of housing loan process
The second set of housing loans is essentially similar to the first set of loans, the only difference is the loan ratio and loan interest rate; Its process, like the first home loan, is roughly divided into six steps.
The first step is to sign a sales contract; Both parties to the transaction signed a contract for the sale of second-hand houses in Beijing.
The second step, face-to-face signing; The buyer and the seller sign a personal housing loan contract with the bank on the spot, and provide ID card, household registration book, income certificate, copy of business license, official seal and other identification certificates. It can be finished in the same day.
The third step is the preliminary examination; Banks generally need 3-5 working days to review customer loan information.
Step four, transfer; The certificate Commissioner of the brokerage company will accompany the client to handle the transfer formalities, and the time will be decided by the district real estate bureaus.
Step 5, mortgage: after obtaining the new real estate license, the buyer sends the mortgage information of the house book and the bank to the real estate bureau for mortgage; The limitation period varies according to the mortgage time and the amount of mortgage documents of each district real estate bureau. Due to the large transaction volume, the current mortgage needs to be numbered; The actual time may exceed 30 working days.
Step six; Customer repayment; After the mortgage is completed, the customer can get a new real estate license, start to repay the loan on a monthly basis, and the transaction is over.
Matters needing attention in second-home loan
Try to choose provident fund loans. Provident fund loans to buy two suites can still enjoy preferential policies. If you use the first set of commercial loans and purchase the second set of provident fund loans, you can still enjoy the first set of loan policies; If you buy two sets of provident funds, you can still enjoy the first set of policies as long as you pay off the balance of the first set of loans.
Calculate the per capita housing area in advance. If the customer has used the bank loan to buy a house according to the hearsay standard of CCB's second home loan, if the per capita family area is less than 26.6 square meters (property right certificate area/family population), then the first set of preferential policies can be enjoyed when the loan is re-borrowed; If consumers apply for loans from CCB, they can compare whether the per capita housing area exceeds 26.6 square meters in advance.
Prepare data in time to save processing time; There are many steps in the loan process, especially the transfer and mortgage take a long time, so timely preparation of relevant information is conducive to completing the loan as soon as possible. Among them, the income certificate is not easy to handle, and it is easy for single buyers to miss the single certificate.
(The above answers were published on 20 13-04-22. Please refer to the actual situation for the current purchase policy. )
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