First, the down payment ratio of Xi 'an loan to buy a house
The down payment for a general loan to buy a house is 30% of the total amount. Of course, if you want to buy a second suite, the down payment ratio is higher. If you buy a house in Xi 'an, you can also buy a house through commercial loans, provident fund loans and portfolio loans. If you buy a house with a commercial loan, you can apply for a loan as long as you meet the loan conditions of the loan bank. Then, what is the down payment ratio of Xi 'an loan to buy a house? Let's refer to it together.
1, commercial loan. For families, if you buy a house, you can borrow 70% of the appraised price of the house (the appraised price is generally lower than the market price). For example, the market price of a house is 2 million, and the evaluation price is 6.5438+0.8 million. That is, 70% of the loan is 6,543.8+0.8 million, that is, 6,543.8+0.26 million, and the remaining house price is 2 million-6,543.8+0.26 million = 740,000 as the down payment).
2. Taking the family as a unit, if you buy a house, you can borrow 80% of the appraised house price (70% for loans within 90 square meters and over 90 square meters). If the provident fund is not rated, you can only borrow 800 thousand, but it depends on the amount and proportion of your provident fund deposit.
3. Calculation of down payment for 3.Xi Anshou Suite: down payment = total house price-customer loan amount. Loan amount = contract price (market price) × 80% (loan amount can reach 80%).
4. Generally speaking, according to the existing standards for the implementation of the first suite, the down payment ratio of commercial loans for new houses is 30%, the down payment ratio of provident fund loans for first suites below 90 square meters (inclusive) shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90 square meters shall not be less than 30%.
2. What is the interest rate of 2.Xi 'an loan to buy a house?
Li Wanfu, an analyst with Rong 360, analyzed that the five-year LPR level announced on September 20th was the same as the previous value, which also means that according to the new mortgage policy, the interest rate of the first suite will not be lower than 4.85%, and that of the second suite will not be lower than 5.45%.
It is worth noting that the new mortgage interest rate policy based on LPR was officially implemented on1October 8 10. All the data here use the interest rate level before the end of September. It can be seen that in the first-tier cities, except Beijing, the interest rates of the first and second home loans in Shanghai, Guangzhou and Shenzhen are all at a low level in the country.
Judging from the overall level of mortgage interest rates in various cities, as of the end of September, only the average interest rate of second-home loans in Tianjin was lower than the prescribed lower limit (5.45%), but the gap was only 1bp.
It is worth noting that in September 20 19, the average interest rate of Xi 'an Anshou home loan rose by 2BP, and entered the list of 10 cities at the level of 5.65%. Overall, the average interest rate of the first home loan in 23 of the 35 cities has increased.
After using LPR quotation, the mortgage interest rate increased slightly. According to industry insiders, after 10 months, the new LPR mortgage policy has been rolled out in key cities across the country, but it still takes time to implement the whole line. At present, in the first-tier cities, except for a few banks in Beijing, Shanghai and Shenzhen, all of them have implemented the new pricing, while less than half of the banks in Guangzhou have begun to implement the New Deal. In second-tier cities, most banks in Tianjin, Qingdao, Wuxi, Xiamen, Shijiazhuang and Zhengzhou have also started to quote according to LPR.
3. Can Beijing Provident Fund borrow money to buy a house in Xi 'an?
Can Beijing Provident Fund borrow money to buy a house in Xi 'an? Generally speaking, it is possible, and this situation belongs to the provident fund loan in different places. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:
The loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for the loan at one time.
Employees themselves or their clients apply to the urban provident fund deposit center, and the deposit center verifies the loans paid by employees according to their applications, and issues certificates of housing provident fund deposit and use for employees who have never used housing provident fund or whose housing provident fund loans have been settled.
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.
During the repayment of employee loans paid in different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment.
The above is about the down payment ratio of Xi 'an loan to buy a house. What is the interest rate of Xi 'an loan to buy a house? Can Beijing Provident Fund borrow money to buy a house in Xi 'an? I hope I can help you!