Personal housing mortgage loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied new housing, commonly known as "personal housing mortgage loan". The amount of personal housing mortgage loan issued by the bank shall not be higher than 80% of the value of the house to be purchased or the actual total cost of house purchase assessed by the real estate appraisal agency (whichever is lower).
Loan expenses
1. deed tax: loan amount × 1.5%. Withholding by the developer or going to the local real estate trading center.
2. Notarization fee: general loan amount ×0.3%. But it can also be changed according to the situation of the community, the loan amount and the economic situation of the lender. Three. Insurance cost: loan amount × loan term × insurance rate;
Four. Maintenance fund: loan amount ×2.5%. Go to the local real estate trading center.
5. Transaction cost: 3 yuan/m2. Go to the local real estate trading center.
6. Mortgage fee: general loan amount ×0.08%. Go to the local real estate trading center.
7. Cost: 80 yuan/piece. Go to the local real estate trading center.
2. What are the loan interest rates of bank housing funds?
Date: 20 10- 12-26 project annual interest rate (%) 1. Personal housing provident fund is paid in the current year and carried forward from the previous year. 2 individual housing provident fund loans within five years (including five years) more than three point seven five years. 4.30 Note: This table is for reference only. Please refer to the relevant interest rates published by the People's Bank of China and the Ministry of Construction. Please consult the local housing provident fund management center for specific interest rates. If this answer can help you, please choose a satisfactory crime.
3. What is the interest rate for buying a house with provident fund loans?
Interest rate of provident fund loans: the annual interest rate of individual housing provident fund loans for less than five years (including five years) is 3.25%; The annual interest rate of individual housing provident fund loans for more than five years is 3.75%.
Now most office workers have provident fund accounts, which are still very useful. Workers can apply for provident fund loans when they meet the requirements, so that the money in the provident fund account can be taken out and used, and the interest rate of provident fund loans is lower than that of commercial loans, which can save a lot of interest costs. Then, what is the interest rate of provident fund loans to buy a house? Look at what I said. 1. What's the interest rate for housing with provident fund loans? 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. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for less than five years is 2.75% per year, which is consistent throughout the country. Second, what is the process of provident fund loans? 1. Lenders need to submit a written application to the bank to apply for housing provident fund loans, fill in the housing provident fund loan application form and truthfully provide the required information; 2. The bank accepts and examines the loan application with complete information in time and submits it to Shanghai Provident Fund Center in time; Shanghai Provident Fund Center is responsible for approving loans and informing banks of the approval results in a timely manner; 3. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping. 3. What are the requirements for applying for provident fund loans? 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. To sum up, China's provident fund loan policies are frequent. At present, the latest interest rate of provident fund loans to buy a house is divided into two grades, 3.25% for more than five years and 2.75% for less than five years. This interest rate level is already very low. Property buyers applying for provident fund loans must meet certain conditions, mainly including continuous payment for more than half a year and holding a local account or residence permit.