What does it mean to subscribe for a house or loan for commercial housing? Since the introduction of Beijing’s new housing provident fund loan policy, adjustments to the amount of provident fund and the scope of its use have made many home buyers think twice about their provident fund. . There has been a significant increase in the number of home buyers inquiring about whether they can use provident funds. Beijing's housing provident fund loan transaction volume has increased by 20% month-on-month. As more people use provident funds, some questions about provident funds have arisen. After several rounds of policy adjustments, how does provident fund identify second homes? What are the down payment ratios and interest rates for second homes using provident funds and commercial loans? What’s the difference? The policy of approving a house and acquiring a loan for commercial and residential properties is a matter of concern to many people. In response to this issue, the editor has also compiled relevant information. Next, let us take a look at the relevant policies for commercial housing and loan subscriptions.

Policy for approving a house and approving a loan for commercial housing

What are the regulations for approving a house and approving a loan for a commercial property? Generally speaking, if there is a housing provident fund certificate in your name, it can be counted as two Suite housing. The “lowest in history” interest rate on provident fund loans has made many people think about provident funds. There are also new regulations for commercial and residential properties. A citizen once bought a house in Beijing with a loan. The loan has been paid off and the house has not been sold. After the commercial and residential property purchase and loan policy was launched, citizens once asked how the bank would judge if she wanted to buy a house again. The answer that citizens got is that according to the latest policies, you can buy a house with a bank loan, which can be regarded as a first-time home, and you can also enjoy the preferential loan policies for first-time homes. The commercial and residential housing subscription loan policy has many convenient conditions in Beijing.

Contents related to commercial housing subscription and loan subscription

What are the new regulations for commercial housing subscription and loan subscription? After the introduction of the new provident policy, some citizens want to use provident funds. I want to buy a house again and hope to borrow the upper limit of the provident fund amount of 1.2 million yuan. However, after consulting the provident fund management center, I found that if you want to use the provident fund to buy a house in this situation, it can only be regarded as a second house. You can get a loan of 800,000 yuan, with a minimum down payment ratio of only 30%, and the applicable provident fund loan interest rate is only 1.1 times. The new regulations on property and loan subscription for commercial and residential properties are a matter of concern to many people. The current policy of commercial loans is "subscribe loan and subscribe for house". As long as the loan in the name of the house buyer is paid off, and then the house is purchased again, it can be counted as the first house. However, if the house buyer has a fully paid-up house in his name, As long as there is no loan record, buying a house can still be regarded as the first home, and the down payment ratio is generally about 30%. Various banks can also offer 12% or 10% interest rate discounts to people who are purchasing their first home and have relatively good personal qualifications.

The difference between the commercial housing loan policy and commercial loans is that for some people who have a house in their name but have not sold it, it can be counted as a second house according to the current policy, and the down payment is The ratio is generally 30%, and the interest rate will also increase by 1.1 times. Commercial and residential property subscriptions have a relatively large impact on people. Whether it is the first home depends on the loan time, and the installment down payment method can be completely cancelled. The recognition of the first home in commercial loans has also given some citizens a lot of help. Some citizens bought a new home and were only eligible to purchase a second home at the time. However, they chose the down payment installment discount provided by the developer and paid 30 RMB in advance. % down payment. Subsequently, the real estate consultant called him to inform him that due to problems with the progress of the house project, the loan date was likely to be advanced. If he still chose 70% down payment, he would need to pay the remaining down payment and apply for a loan in the near future. The commercial and residential property subscription loan regulations stipulate that if the down payment of the previous house has been paid off, then you can get a loan for the first home. Not only can you enjoy preferential interest rates, but you also don’t have to make up the down payment. The above is the relevant content about commercial housing and loan subscription. I hope it can help everyone.