How to calculate the second-hand housing loan
1, the so-called second-hand housing loan simply refers to the loan that the bank gives to the borrower to buy second-hand housing. Specifically, it refers to the individual housing loan provided that the house intermediary company is willing to provide phased guarantee for the purchaser by applying to the bank for replacement with the purchased house as collateral.
2. Second-hand housing mortgage loans are divided into commercial loans and provident fund loans. The calculation criteria for loans are as follows:
(1) Buyer buys a house with a commercial loan: 1. The buyer chooses a commercial loan to purchase the first house, with a low down payment ratio of 30% of the appraised house price and a high loan ratio of 70%; 2. The buyer chooses commercial loans to buy more than two houses, with the lower down payment accounting for 50% of the appraised house price and the higher loan accounting for 50%; 3. The Buyer chooses a commercial loan to purchase the commercial house, and the down payment ratio is 50% of the appraised house price.
(2) Buyer's housing purchase with provident fund loan: 1. The buyer chooses the provident fund loan to purchase the first house, with a lower down payment ratio of 20% of the appraised house price and a higher loan ratio of 80%; 2. The buyer chooses provident fund loans to buy two houses, with the lower down payment accounting for 40% of the appraised house price and the higher loan accounting for 60%; 3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.
What is the maximum loan for second-hand housing loans?
1. The second-hand housing loan amount is determined according to the principle of lower real estate assessment value or house sales price, and the evaluation value is generally lower than the evaluation price. The loan ratio depends on the nature of the property, the age of the house and the comprehensive conditions of the borrower.
2. Generally, it can be 70% of the appraised price. If the house is not built for a long time, it can generally be about 60% of the actual sales price. If the sales price is 500,000, it can be around 300,000 (excluding additional tax). At the same time, the loan amount is also limited by the loan period and personal income.
The bank requires that the monthly loan repayment should not exceed 50% of the income. In other words, if your income certificate proves that your monthly income is 3,500 yuan, then the monthly repayment should be controlled within 1.750 yuan/month. And according to this standard, determine your loan term and loan amount.
4. The process of buying a second-hand house loan is basically the same as buying a new house. Only when determining the loan amount, it should be determined according to the evaluation value of the purchased second-hand house. If it is not long ago, you can borrow about 60% of the actual sales price.
The sale of second-hand houses can be carried out by means of loans, and can be handled according to the area and total price of their own houses. Buying a house with a loan can also ease the economic pressure. How to calculate the above suffering is the second-hand housing loan? How much is the second-hand housing loan? I hope it will help everyone to buy and sell second-hand houses.