Mortgage policy refers to the policy of housing loan. 1988 after the first housing system reform conference was held, 199 1 housing credit business started and various housing credit policies were introduced. 199 1 China Construction Bank and China Industrial and Commercial Bank set up a real estate credit department to handle personal housing credit business, and formulated the Measures for the Administration of Housing Mortgage Loans for Employees. The central bank introduced a new policy to relax the purchase loan, and the second suite with the loan settled can enjoy the preferential policy of the first suite; Loans can be used to purchase third and above houses; The interest rate of the first suite can be at least 30% off.

Legal basis:

Measures for the administration of urban real estate mortgage

Article 2 Whoever engages in real estate mortgage activities within the scope of state-owned land in urban planning areas shall abide by these measures. These Measures shall not apply to the mortgage of the right to use state-owned land for houses without land (including buildings, structures and projects under construction).

Article 3 The term "real estate mortgage" as mentioned in these Measures refers to the act that the mortgagor provides the mortgagee with debt performance guarantee with his legal real estate without transferring possession. When the debtor fails to perform the debt, the creditor has the right to be paid in priority with the proceeds from the auction of mortgaged real estate according to law. The term "mortgagor" as mentioned in these Measures refers to a citizen, legal person or other organization that provides legally acquired real estate to the mortgagee as a debt guarantee for himself or a third party. The term "mortgagee" as mentioned in these Measures refers to the citizens, legal persons or other organizations that accept real estate mortgage as the debtor's debt guarantee. The term "pre-purchased commercial housing loan mortgage" as mentioned in these Measures refers to the behavior that after the purchaser pays the down payment, the loan bank pays the remaining house payment and mortgages the purchased commercial housing to the loan bank as a loan repayment guarantee. The term "mortgage of construction in progress" as mentioned in these Measures refers to the act that the mortgagor, in order to obtain the construction loan of construction in progress, mortgages the legally obtained land use right together with the investment assets of construction in progress to the loan bank as a loan repayment guarantee without transferring possession.

The latest policy of real estate loan in 2022

What are the latest individual housing loan policies?

Guarantee the demand and consumption of basic housing-support employees to buy policy-oriented housing

When employees purchase policy-oriented housing, when determining the amount of housing provident fund personal housing loan (hereinafter referred to as loan), factors such as deposit balance, deposit period, spouse's deposit amount and adjustment coefficient are not considered.

The purchase of affordable housing (including affordable housing management housing, the same below) to apply for loans, according to the first set of housing loan policy; Apply for a loan to purchase policy-oriented housing such as * * * property housing, and determine the loan application policy according to the actual housing and loan situation under the borrower's name.

The purchase of policy-oriented housing loans will be guaranteed by automatic installment. If the materials are complete, the processing period from application to issuance shall not exceed 8 working days.

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Adjustment of loan application conditions

The loan applicant shall meet the following conditions when applying for a loan:

1. When applying for a loan, the loan applicant should continuously deposit the housing provident fund for more than 6 months (inclusive) and his housing provident fund account is in a normal deposit state; Or with the approval of the housing fund management center of the central state organs (hereinafter referred to as the fund center), the paid employees are in a state of deferred payment, sealing up or retirement cancellation.

2. The borrower and his wife have no outstanding housing accumulation fund, personal housing loan and policy discount loan.

3. Meet other conditions stipulated by the Fund Center.

Adjust the criteria for determining the number of housing units.

If the family of the loan applicant (including the loan applicant, spouse and minor children) has no housing in Beijing and there is no housing loan record under the names of both husband and wife (including commercial housing loans and housing provident fund loans, the same below), it shall be handled according to the first housing loan policy.

If the family of the loan applicant has no housing in this city and only has 1 housing loan record in its name, and only has 1 housing loan record in this city and no housing loan record in its name or only has 1 housing loan record, it shall be handled according to the second housing loan policy. If it is identified as two or more houses, no loan will be granted.

Adjust the down payment ratio

If the loan applicant purchases affordable housing, the down payment ratio shall not be less than 20% of the total purchase price; When purchasing the first set of housing other than affordable housing, the down payment ratio shall not be less than 30% of the total purchase price; For the purchase of two houses, the down payment ratio shall not be less than 60% of the total purchase price. If the loan applicant purchases a stock house, the total purchase price shall be the lower of the house appraisal value and the total purchase contract price.

Adjust the maximum amount of the second home loan.

The maximum amount of the first home loan is 6,543,800 yuan+0.2 million yuan, and the benchmark loan interest rate is implemented; The maximum amount of the second home loan is 600,000 yuan, and the loan interest rate is 1. 1 times of the benchmark loan interest rate for the same period.

Adjust the loan term and monthly repayment ceiling.

The term of the loan shall not exceed 25 years, the longest of which can be calculated as 5 years after the statutory retirement age of the borrower, and the longest shall not exceed 65 years of age.

On the premise of ensuring the borrower's basic living expenses, according to the loan amount, term and applicable interest rate applied by the borrower, the monthly repayment amount calculated by the matching principal and interest repayment method shall not exceed 60% of the borrower's monthly income.

Further facilitate employees to handle business.

The loan applicant can start the loan repayment business when applying for a loan, and authorize the provident fund center to use the funds in its housing provident fund account to repay the loan, without having to handle the housing provident fund withdrawal business separately.

The loan applicant can go to the loan handling bank outlets to complete the loan application procedures on the spot. If you voluntarily choose to open the EMS free mail loan contract, you don't need to go to the bank outlet to collect it after the loan is issued, so as to realize "only running once" in loan processing.

Further streamline the certification materials.

When applying for a loan, the loan applicant only needs to bring the original documents such as identity certificate, marriage certificate and down payment certificate, and does not need to provide a copy. See the annex for a list of other loan application materials.

If the borrower deposits the housing provident fund in Beijing Housing Provident Fund Management Center, it is not necessary to provide a personal inquiry form for housing provident fund;

If the housing provident fund is transferred to the provident fund center to deposit the housing provident fund through the national housing provident fund transfer and connection platform in different places, it is not necessary to provide the "Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans" issued by the original deposit city provident fund center;

If the deposit time of housing provident fund for demobilized military personnel does not meet the relevant provisions, the transfer certificate shall be provided, and the "Certificate of Housing Provident Fund Deposit" issued by the original unit shall not be provided.

Announce the progress of loan processing

The fund center publicizes the loan processing progress of each bank outlet on the portal website, and the loan applicant can choose the processing place according to the needs.

Implementation time

It will be implemented from April 20 15 19, subject to the online signing date. If the online signing has been completed before, it shall be implemented according to the original regulations.

What are the relevant provisions of mortgage?

Legal analysis: 1. The first suite means that buyers only own one set of housing. Usually, China should give some preferential loans to the first suite. According to the relevant provisions of 20 18, at present, the down payment ratio of the first home provident fund loan in China is 20%, and the down payment ratio of commercial loans is 30%. The down payment ratio of 2 suites is adjusted to not less than 40%, that is, 40%. Sales of ordinary houses for more than 2 years (including 2 years) shall be exempted from business tax; 2. In terms of provident fund policy, according to the current provident fund withdrawal policy, the down payment for buying a house cannot be directly withdrawn from the provident fund account. You have to pay the down payment first, and then sign a house purchase contract with the developer. The down payment ratio of the first suite is 20%; To have a set; 3. For families who own/kloc-0 apartments and have settled the corresponding housing loans, in order to improve their living conditions, they should apply for commercial housing loans from financial institutions again and implement the first set of housing loan policies. Under normal circumstances, the housing loan can reach 70% of the housing appraisal price, but it is worth noting that the housing appraisal price is lower than the market price.

Legal basis: Article 2 of the Measures for the Administration of Personal Housing Loans (hereinafter referred to as loans) refers to loans granted by lenders to borrowers for the purchase of ordinary housing for their own use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

New housing loan policy

If you apply for personal housing commercial loans in China Bank, it is recommended that you directly consult the local business outlets in detail about the down payment ratio.

The above contents are for your reference. Please refer to the actual business regulations.

202 1 new policy of first home loan

202 1 new policy of first home loan;

1. The maximum amount of house purchase loan is 80% of the total house price; The purchased housing area exceeds 90 square meters, and the maximum loan amount is 70% of the house price;

2. The minimum down payment is 20% of the house price; When the construction area of the purchased house exceeds 90 square meters, the minimum down payment ratio is 30%;

3. If you choose to apply for a commercial loan, you can enjoy the preferential interest rate of the bank, which is generally around 10%. There is no discount for applying for provident fund loans. However, the interest rate of provident fund loans is still the lowest;

4. Choose provident fund loan, with loan interest rate of 1-5 years and annual interest rate of 2.75%; 6-30 years, with an annual interest rate of 3.25%;

5. Choose a commercial loan with the interest rate of 1-5 years and the annual interest rate of 4.75%; 6 to 30 years. The annual interest rate is 4.90%;

6. Applying for a mortgage requires you to have good credit and repayment ability; Applying for provident fund loans also requires continuous deposit of housing provident fund.

legal ground

Article 680 of the Civil Code of People's Republic of China (PRC) prohibits usury and the determination of loan interest, and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

New Deal for Second Home Loan in 2022

When buying a house by loan, the housing provident fund loan has the nature of policy subsidy, and the loan interest rate is very low. When handling mortgage, insurance and other related procedures, the housing provident fund loan fee will be halved. The balance of bank deposits accounts for not less than 30% of the funds needed for housing purchase, which can be used as the down payment for housing purchase. If there are assets recognized by the loan bank as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities, they may apply for bank mortgage loans. The maximum amount of provident fund loans is generally 6.5438+0-290,000 yuan. If it exceeds this limit, the insufficient part should apply to the bank for commercial housing loans.

I individual housing loan conditions

1, with legal identity.

2, a stable economic income, good credit, the ability to repay the loan principal and interest.

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to pay the down payment for the purchased houses.

5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

6. Other conditions stipulated by the lending bank.

Second, what should I pay attention to when buying a house with a mortgage loan?

1. Apply for the loan amount according to your own ability.

2. Choose a good loan bank for mortgage.

3. Choose the repayment method that suits you best.

The information provided to the bank should be true.

5. Provide my address accurately and timely.

6. Repay on time every month to avoid penalty interest.

3. What are the latest policies for the second home loan in 2022?

1. If you bought a suite with a loan before and the loan has not been settled, buying a house is also considered as two sets.

2. There are commercial loan records of two suites in the personal name, one of which has been paid off and the other has not been paid off. At this time, it is considered that refinancing to buy a house is more than two suites.

3. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans before marriage. After marriage, the two want to borrow money in the name of husband and wife. If the loan has been paid off, buying a house can be regarded as the first suite. If the loan has not been paid off, buying a house can be considered as more than two suites.

4. If the buyer is going to get married but hasn't got a marriage certificate, one party has outstanding mortgage, and the other party doesn't have any property and mortgage records. If they buy a new house together, it will be a second suite.

In short, buying a house depends on direct demand. After all, everyone has different ideas. Some people want to invest, others want to live. It can be considered according to the direct actual situation. After all, the currency is expanding, and many people think that the money in their hands is worthless, so they will choose real estate investment.

Legal basis:

Provisions of the new civil code on real estate

Article 27 of the Supreme People's Court's Interpretation on the Application of Marriage and Family in the Civil Code of People's Republic of China (PRC):

If a house rented by one party before marriage and purchased with the same property after marriage is registered in the name of one party, it shall be recognized as the joint property of husband and wife.

Article 29:

Before the parties get married, if the parents contribute money to buy a house for both parties, the contribution shall be regarded as a personal gift to their children, except that the parents clearly indicate that it is a gift to both parties.

After the parties get married, if the parents contribute money to buy houses for both parties, it shall be handled in accordance with the agreement; If there is no agreement or the agreement is unclear, it shall be handled in accordance with the principle stipulated in Item 4, Paragraph 1, Article 1062 of the Civil Code.

Article 32:

Before marriage or during the marriage relationship, the parties agreed to give the property owned by one party to the other party or * * *, and the donor revoked the gift before the registration of the change of the donated property, and the other party requested an order to continue the performance, the people can handle it according to the provisions of Article 658 of the Civil Code.

Article 76:

1. If both parties claim the ownership of the house and agree to bid, it shall be allowed;

2. If one party claims the ownership of the house, the evaluation institution shall evaluate the house according to the market price, and the party that obtains the ownership of the house shall give the other party corresponding compensation;

3. If neither party claims the ownership of the house, the house shall be auctioned or sold according to the application of the parties, and the income shall be divided.

Article 77:

At the time of divorce, both parties have disputes over the house that has not yet obtained ownership or full ownership. If negotiation fails, it is not appropriate for the people to judge the ownership of the house, but the parties should decide according to the actual situation.

After the parties have obtained the full ownership of the house specified in the preceding paragraph, if there is any dispute, they may bring a lawsuit to the people's court separately.