I. Shenzhen second-hand housing loan policy 22
If you want to buy a house in Shenzhen, you must first meet the conditions for buying a house in Shenzhen. Let's take a look at Shenzhen second-hand housing loan policy 22.
1. If you want to buy a second-hand house in Shenzhen, you must first be a natural person with full capacity for civil conduct and not exceed the statutory retirement age stipulated by the state, and pay the housing provident fund in Chengdu Housing Provident Fund Management Center;
2. Shenzhen second-hand housing loan policy 22 points out that employees with urban permanent residence or valid residence identification can also buy second-hand housing in Shenzhen;
3. At the time of application, the housing provident fund has been paid normally for more than six consecutive months, and the provident fund has not been withdrawn to pay the down payment for house purchase, and there is no balance of provident fund loans;
4. There are real and effective real estate transactions and transaction contracts or agreements, and the down payment is not less than the specified proportion of the value of the purchased house;
5. Have stable economic income, good credit and corresponding loan repayment ability;
6. The loan applicant, spouse and property rights * * * Some people agree to use the purchased property and its rights and interests as collateral for the loan;
7. The loan applicant and the seller shall not be lineal relatives, such as spouse, parents or children, and shall not have any other strong relationship that may affect the safety of the loan;
8. other conditions.
Second, the down payment ratio of second-hand housing loans in Shenzhen
(I) the down payment ratio of commercial loans for second-hand housing in Shenzhen
1. The second-hand housing buyers in Shenzhen choose commercial loans to buy the first house, with the down payment ratio being 3% of the appraised house price and the loan ratio being 7%;
2. The second-hand house buyers in Shenzhen choose commercial loans to buy more than two houses, with the down payment ratio of 5% of the appraised house price and the loan ratio of 5%;
3. The second-hand house buyers in Shenzhen choose commercial loans to purchase commercial houses, with the down payment ratio of 5% of the appraised house price and the loan ratio of 5%.
(II) Down payment ratio of second-hand housing provident fund loans in Shenzhen
1. The second-hand housing buyers in Shenzhen choose provident fund loans to purchase the first house, with the down payment ratio being 2% of the appraised house price and the loan ratio being 8%;
2. The second-hand house buyer in Shenzhen chooses provident fund loan to buy two houses, with the down payment ratio of 4% of the appraised house price and the loan ratio of 6%;
3. Buyers of second-hand houses in Shenzhen cannot use provident fund loans when purchasing three or more houses and commercial houses.
Third, the loan period and loan period of second-hand housing in Shenzhen
(I) The loan period of second-hand housing in Shenzhen
1. The sum of the loan period and loan period of second-hand housing in Shenzhen cannot exceed 3 years, some banks stipulate that it should not exceed 4 years, while others stipulate that it should not exceed 5 years;
2. The maturity date of Shenzhen second-hand housing loan cannot exceed the maturity period of land use;
3. The sum of the second-hand housing loan term and the borrower's age in Shenzhen shall not exceed 65 years old.
(II) Housing age of second-hand housing loan in Shenzhen
1. Bank of China: housing age+loan age < 5, customs clearance: housing age+loan age < 4, age+loan age < ＜65(VIP customers or portfolio loans do not exceed 7);
2. China Construction Bank: house age+loan age ≤45, age (18 to 65 for men and 18 to 6 for women)+loan age ≤ 7;
3. Agricultural Bank: house age+loan age < 45, and age+loan age < 7 (the house age is reduced by 1% for each year over 25 years);
4. ICBC: house age+loan age < house service life year, age+loan age < 7;
5. Bank: house age+loan age < 45, age+loan age < 7.
the above is about Shenzhen second-hand housing loan policy 22, the down payment ratio of Shenzhen second-hand housing loan, the loan period of Shenzhen second-hand housing and the age of the house. I hope it can help everyone!