1.What is the down payment ratio of the second suite in Nanjing in 2022?
The second suite needs a down payment of 80% loan.
The loan interest rate of Nanjing Provident Fund shall be subject to the loan interest rate of Nanjing Provident Fund stipulated by the People's Bank of China.
One-year loans are subject to one-time repayment of principal and interest at maturity, and the interest rate is not adjusted during the loan period, and the contract interest rate is implemented. For provident fund loans with a term of more than one year, the interest rate shall be determined annually. When the interest rate of the People's Bank of China is adjusted, new loans will be implemented at the new interest rate; For the loans that have been handled, the new interest rate will be implemented from 1 according to the corresponding interest rate grade from next year.
If the term is 1 to 5 years, the annual interest rate is 2.75%;
For a term of 6 to 30 years, the annual interest rate is 3.25%.
In Nanjing, those who buy non-residential buildings such as office buildings, commercial buildings and villas are not allowed to apply for provident fund loans. In addition, the purchased property must have full property rights and mortgage conditions. Therefore, employees who purchase part of the property rights of houses (except affordable housing with property rights) and pay the provident fund due to the purchase of non-state-owned land cannot apply for provident fund loans.
How to get a loan for the second suite?
First of all, if you want to get real estate mortgage service, you should focus on this aspect when choosing real estate. Then, the bank signed the purchase contract and received the relevant legal documents of the mortgage application submitted by the buyers.
1. Calculate the loan amount and term.
Employees applying for provident fund loans can consult and handle through developers, loan undertaking banks or housing provident fund.
Step 2 apply for a loan
When purchasing a house, employees must apply for a loan from the provident fund loan undertaking bank, provide a copy of the above-mentioned required materials and bring the original for inspection.
Step 3 sign a contract
After the loan application is approved, sign the loan contract at the provident fund service hall as required.
Step 4 go through the formalities
Handle the purchase transaction and mortgage registration procedures.
5. Bank loans
After completing the mortgage formalities, the loan undertaking bank will lend money to the applicant according to the loan contract, and the funds will be directly transferred to the account designated by the developer.
Second home loan policy:
1, the first home loan interest rate rose across the board.
In China Industrial and Commercial Bank of China Cheng Nan Branch, a staff member told reporters that at present, the bank still accepts individual housing loan applications, but the interest rate is not favorable. The specific loan situation depends on the qualifications of the real estate and the applicant, and cannot be generalized. The bank's mortgage policy has not changed much, and the interest rate of the first home loan is still implemented according to the previous regulations, but the upper limit of the policy is generally implemented, and the discount is gone, which may rise by 10%.
At present, most banks in Dongguan can still handle the first home loan, but at the same time, some banks explicitly stop the first home loan. A person in charge of Jin Xin LaSalle told the reporter that its company also acts as an agent for the sales of newly developed real estate in Dongguan, which is clear about the mortgage market.
2. Loans in the fourth quarter are more difficult or difficult.
Since the beginning of this year, the mortgage policies of various banks have been continuously tightened. Not only have interest rate concessions been cancelled or benchmark interest rates gone up, but the time for bank lending has also been significantly extended, which takes at least three months. Industry insiders predict that the mortgage policies of banks in Dongguan will continue to tighten in the future.
Nanjing Provident Fund Loan Policy in 2023
The new provident fund policy in 2023 is as follows:
New Deal 1: Rent invoices and tax payment certificates are not required for renting a house to withdraw the provident fund.
The new regulations point out that employees have paid the housing provident fund in full for three consecutive months. If my spouse and I don't own a house in this city and rent a house, we can withdraw the housing accumulation fund of both husband and wife to pay the rent. Before withdrawing the provident fund to pay the rent, you also need to submit the rent invoice and tax payment certificate.
New Deal 2: The down payment for the second suite of provident fund loans is reduced to 20%
For those who own 1 house and have settled the house purchase loan, they will use the housing provident fund loan to buy a house again, and the minimum down payment ratio will be reduced from 30% to 20%.
Handling process of housing provident fund loans in different places
1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.
2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they will be issued with certificates of deposit and use of housing provident fund loans in different places.
3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
Nanjing provident fund loan amount
1. Policy adjustment: The amount of housing accumulation fund withdrawn by employees without housing in our city to pay the rent of commercial housing shall not exceed 1800 yuan for unmarried employees and 1200 yuan for married employees, and shall be adjusted to unmarried employees 1200 yuan for married employees and couples, and shall not exceed 2,400 yuan.
2. Policy adjustment: the maximum loanable amount of housing provident fund loans in our city is adjusted from 300,000 yuan/person and 600,000 yuan/household for both husband and wife to 500,000 yuan/person and 654.38+00,000 yuan/household for the first set of self-occupied housing; The purchase of a second house is still in accordance with the original provisions.
1. Policy adjustment: The amount of housing accumulation fund withdrawn by employees without housing in our city to pay the rent of commercial housing shall not exceed 1800 yuan for unmarried employees and 1200 yuan for married employees, and shall be adjusted to unmarried employees 1200 yuan for married employees and couples, and shall not exceed 2,400 yuan.
2. Policy adjustment: the maximum loanable amount of housing provident fund loans in our city is adjusted from 300,000 yuan/person and 600,000 yuan/household for both husband and wife to 500,000 yuan/person and 654.38+00,000 yuan/household for the first set of self-occupied housing; The purchase of a second house is still in accordance with the original provisions.
Nanjing provident fund loan conditions and requirements 2023
What are the latest loan terms of Nanjing Housing Provident Fund?
According to the latest regulations of Nanjing Housing Provident Fund Management Center, the specific loan conditions are as follows:
1. The borrower is a natural person of China nationality with full civil capacity. Before applying for a loan, the borrower must open an account in the housing provident fund and continuously pay the housing provident fund in full for more than 6 months (inclusive), and his personal and unit housing provident fund accounts are in a normal state.
2. The borrower must be the purchaser himself or the property owner who constructs, rebuilds or overhauls the owner-occupied housing, and the purchased, constructed, rebuilds or overhauls the owner-occupied housing is located in the administrative area of Nanjing.
3, for housing loans, there must be a legal and effective housing sales contract and agreement;
To build or renovate a house, you must obtain the Property Ownership Certificate and the State-owned Land Use Certificate;
Overhaul housing, there must be a "house ownership certificate", "state-owned land use certificate" and the overhaul certificate issued by the local street (town) or above construction planning department.
4, the purchase of commercial housing, affordable housing, apply for a loan within one year after the registration of the purchase contract.
Purchase second-hand houses, and apply for loans within 6 months after the transfer of the "Property Ownership Certificate" by means of installment guarantee by guarantee institutions; When applying for a loan, if you have completed the transfer procedures of the house ownership certificate and the state-owned land use certificate, you can apply for a loan within 3 months after completing the transfer procedures of the state-owned land use certificate.
Apply for loans within three months from the date of issuance of the "Property Ownership Certificate" and "State-owned Land Use Certificate" for newly-built or renovated houses; Housing overhaul, the construction unit shall apply for a loan within three months from the date of issuing a unified invoice for the construction industry in Nanjing, Jiangsu Province after the completion of the overhaul.
5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability. If the credit report is under any of the following circumstances, the loan shall not be granted:
(1) The loan applicant or his spouse still has outstanding overdue loans;
(2) The borrower's quasi-credit card or credit card overdraft is overdue;
(3) In the past two years, the applicant's loan (excluding student loan) has reached six overdue periods.
6, to buy, build and repair the house as collateral. Borrower and * * * property
Down payment ratio of second suite in Nanjing
In recent years, with the in-depth development of China's urbanization process, the number of urban population has soared, which has also brought about the sustained growth of real estate demand. In order to alleviate the contradiction between insufficient supply and excessive demand of real estate, the Nanjing Municipal Government has issued a series of policies to restrict the purchase of real estate, including increasing the down payment ratio of second homes. What is the specific situation? Let's get to know each other.
1, down payment ratio of Nanjing Second Suite
The down payment ratio of the second apartment in Nanjing, in addition to the impact of the first purchase and second purchase policies, is mainly related to the regulations formulated by the bank. For example, the down payment ratio of the second suite in some banks can be as low as 30%, some banks can be as high as 60%, and some banks will appropriately increase the down payment ratio of foreign household registration buyers. At the same time, when buying a second house in Nanjing, the loan interest rates of major banks generally rose by about 10%.
2. Appraisal of the Second Suite in Nanjing
There are three situations that will be identified as the second suite. First of all, the first commercial mortgage loan has not been repaid, and now we have to borrow to buy a house. Secondly, there are already two properties under the name of family members, one of which has paid off the loan and the other is still repaying the loan, and now it is necessary to borrow again to buy a house. Finally, one of the husband and wife bought a house with a loan before marriage, and one or both of them bought a house in the same name after marriage.
3. The latest policy of Nanjing portfolio loan
If there is no house in the name of a family member, the down payment ratio needs to be paid 30%. Provident fund loans that have been used twice cannot be used again. For 1 apartment whose loans have been settled in the name of family members, the down payment ratio of commercial loans is 30%, the minimum loan interest rate is 70% of the benchmark interest rate, the down payment ratio of provident fund loans is 30%, and the loan interest rate is 1. 1 times of the benchmark interest rate.
Summary after editing: The above is the answer to the relevant content of "Nanjing Second Suite Down Payment Ratio", hoping to bring some reference help to friends in need. In addition, we need to remind everyone that Nanjing does not support the use of provident fund loans to buy a third property.