1, and the loan ratio varies from city to city. The city where I live stipulates that if you are a suite, you can pay 20% down payment and 80% loan. If you are a second suite, you can also borrow 80%, which means you can only borrow 70%, and some banks can only borrow 50%. The key is to see which bank you go to.
Second, Tianjin housing policy
I. Housing purchase policy in Tianjin in 2022
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At present, Tianjin is still a city with restricted purchases and loans. According to Tianjin's real estate and national housing loan records, foreign registered families can only buy one set at most, and local registered families can only buy two sets of real estate. Minors in divorced areas of this Municipality shall be counted as families. 30% down payment for the first set and 60% down payment for the second set. Binhai West Zone is not limited to purchase and loan. 65,438+0. Commercial loans and provident fund loans: the interest rate of the first home loan is 4.45%, down by 20 basis points, and the interest rate is 4.25%, down by 70 basis points compared with the previous loan interest rate of 4.95%. For example, if the loan is 1 10,000, the monthly repayment to 370 yuan will be less, and the total interest for 25 years will be 1 1. The LPR interest rate of the second set of commercial loans is 4.45%, up 60 basis points, and the interest rate is 5.05; The LPR interest rate is adjusted once a month on the 20th, subject to the monthly interest rate adjustment. The interest rate of provident fund loans is 3.25%, with the first set of maximum loans of 800,000 yuan and the second set of maximum loans of 400,000 yuan. There are two calculation formulas: the first set of provident fund balance multiplied by 20 times, and the second set of maximum loan reserve balance multiplied by 10 times. Type II: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month). The loan calculated by the two is the lowest value. 2. Buying a house in four districts (Wuqing, Jinghai, Jixian and Binhai New Area) requires a Beijing-Tianjin-Hebei work certificate or a coastal residence permit, which is equivalent to lifting the purchase restriction in disguise. Jinghai and Jixian are mostly regional customers, far from the urban area. After the policy change, it's not too embarrassing. Wuqing mainly focuses on customers from Beipiao. After three years of college entrance examination and epidemic, the market is somewhat bleak. After the introduction of the policy, sell one and buy one: there are many properties in hand. As long as the loan is controlled below two sets, Tianjin can buy another set after housing replacement, which is beneficial to the improved customer base. 3. Haihe talents settled down and the points settled down.
3. I want to use the provident fund loan to buy a house in Tianjin. What is the maximum loan? ...
This is the formula 1 calculated according to the formula. Excess amount amplification 10 times. 2.[ Monthly payment/(ratio of unit deposit to personal deposit) Monthly payment /2]0.4- Other loans are repaid in 12 years.
It is required to continuously deposit the maximum loan of 400,000 yuan and supplement the provident fund of 500,000 yuan 12 months.
Tell you the simplest way, take your own provident fund card to the CCB provident fund management center to find out! This is the simplest! Just adopt it.
4. Buy a house in Tianjin and prepare to take a commercial loan of 640,000 yuan. How many years is appropriate _
If you borrow from China Merchants Bank, the first-hand property loan year, your loanable period needs to be submitted to the handling bank for comprehensive approval. For details, please contact local outlets for consultation.
The longest loan/credit period for second-hand buildings is not more than 30 years, and the building age of the shopping industry (referring to the completion period of the property) is generally not more than 20 years. The longest loan period plus the building age of the mortgaged property is not more than 40 years in principle.
The specific time limit for application requires the submission of relevant materials, which shall be handled by the agency.