The new housing loan policy is:

First of all, if a borrower purchases an affordable house, the down payment ratio shall not be less than 20% of the total purchase price; secondly, when purchasing an affordable house, For a first home outside the home, the down payment ratio should not be less than 30% of the total purchase price; finally, for a second home, the down payment ratio should be no less than 60% of the total purchase price.

Home loan, also known as home mortgage loan. A home loan is when a home buyer fills out an application for a home mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract, letter of guarantee, etc. that must be submitted. The bank will make a commitment to the home buyer after passing the review. Grant loans, and handle real estate mortgage registration and notarization based on the house sales contract provided by the home buyer and the mortgage loan contract signed between the bank and the home buyer. The bank will directly transfer the loaned funds to the house selling unit within the period specified in the contract. on the bank's account.

On November 24, 2013, the latest survey data showed that based on the sample data from October 11 to November 11, 17 of the 32 cities had suspended mortgage loans.

Basic introduction:

The participants in home loans include commercial banks that provide credit funds, home buyers who ultimately purchase the property, and property owners (including developers/owners of second-hand houses) ), when applying for a loan, an appraisal company and a housing mortgage guarantee company are also required to participate.

According to statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, at the end of 2010, in major first-tier cities in China, the utilization rate of housing loans has reached a high level. In terms of home purchase mortgage loans, the proportion of loans It has reached more than 70%, and in recent years, an increasing number of residents have applied for real estate mortgage consumer loans to revitalize their real estate by using their own names or the properties of their relatives. "Mortgage" has become a way of life closely related to residents' lives.

Loan methods

There are three types of housing loans, namely bank commercial loans, provident fund loans, and combination loans.

Guarantee fee

In order to avoid mortgage risks, banks generally require borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient repayment capacity. If you can find friends or relatives who are willing to provide guarantee and have financial strength, they can provide the bank with a written document and credit certificate that is willing to guarantee. If not, you need to go to a professional guarantee company and they will provide a guarantee. The fee paid at this time is the mortgage guarantee fee.