For mortgage buyers, preferential policies are always a good thing, because they can save money, and the money saved can be used for decoration or tourism. Anyway, it's a good word. Therefore, how to borrow money to buy a house is the most cost-effective problem that buyers will always think about.

1, housing provident fund loan to buy a house

For residents who have participated in the housing provident fund deposit, low-interest loans for housing provident fund should be the first choice when buying a house with loans. Housing provident fund loans have the nature of policy subsidies, and the expected annualized interest rate of loans is very low, which is not only lower than the expected annualized interest rate of commercial bank loans in the same period (only half of the expected annualized interest rate of commercial bank mortgage loans), but also lower than the expected annualized interest rate of commercial bank deposits in the same period. In other words, there is a spread between the expected annualized interest rate of housing provident fund mortgage loans and the expected annualized interest rate of bank deposits. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.

2, housing commercial loans to buy a house

Housing provident fund loans are limited to employees who pay housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan.

3, housing portfolio loans to buy a house

The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The expected annualized interest rate of portfolio loans is moderate, and the loan amount is large, which is more for the lender to choose.

What is the down payment ratio of 20 16 mortgage? What's the mortgage interest rate?

Buying a house with a loan has now gradually entered the ranks of buyers. With the diversification of loan products, buyers no longer have to worry about not getting loans. The only thing we need to worry about now is, what is the down payment ratio of mortgage? What is the expected annualized interest rate of mortgage? How to borrow money to buy a house is the most cost-effective?

What is the down payment ratio of 1 and 20 16?

According to the current mortgage policy, the down payment for the first home mortgage is at least 30%, and the down payment for the first home purchase in non-restricted cities is the lowest. As of 20 15 12 17, Hefei, Xiamen, Jinan, Nanning and Changzhou have fully implemented the policy. Some banks in Shenyang, Xi, Taiyuan, Zhengzhou, Chengdu, Tianjin, Changchun, Dongguan, Nanjing, Wuxi, Foshan, Changsha, Wuhan and other cities began to implement this policy.

It is worth noting that banks have different conditions for the specific identification of "buying a house for the first time". For example, Wenzhou Branch of Minsheng Bank, Wenzhou Branch of Shanghai Pudong Development Bank and Wenzhou Branch of Huaxia Bank implement the identification standard of "customers without mortgage", that is, families who have not made loans or whose loans have been settled can enjoy a minimum down payment ratio of 25% when purchasing ordinary commercial housing. Therefore, it is necessary to consult the branch applying for a loan according to the individual's specific situation before handling it.

The minimum down payment for the second suite is 40%, and the down payment for the second suite has been fully implemented in Xi 'an, Taiyuan, Zhengzhou, Tianjin, Foshan, Fuzhou, Zhongshan, Haikou, Tangshan, Nanchang, Changzhou and Baoding. The implementation rate of North, Guangzhou and Shenzhen is low, mainly 50%-7%.

What is the expected annualized interest rate of 2.20 16 mortgage?

The expected annualized interest rate of mortgage is the most concerned issue for buyers. According to the statistics of 527 banks in 35 large and medium-sized cities in China, as of 20 15 12.20, some banks can provide the expected annualized interest rate of the first home loan. The average expected annualized interest rate of the first home loan in China is the same period, and the average expected annualized interest rate of the second home loan is 360. Among the 527 banks in 35 cities monitored by Rong360, * * * 474 banks have implemented the benchmark expected annualized interest rate rise 10%, which is the absolute mainstream expected annualized interest rate of the second home loan at present.

What's the latest news about 20 16 mortgage?

The news of mortgage interest rate is: the average interest rate of the first home loan in China is 5.33%, up 2 BP from the previous month; The average interest rate of the second home loan was 5.6 1%, up 2BP from the previous month. The annual interest rate is 4.35% for 0-6 months, 4.35% for 6 months-1 year, 4.75% for 1-3 years, 4.75% for 3-5 years and 4.90% for 5-30 years.

legal ground

Article 13 of the general rules for loans

The lender shall determine the interest rate of each loan according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.

Article 14

Lenders and borrowers shall collect or pay interest on schedule according to the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period and the original term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

20 16 what is the down payment and amount of Beijing owner-occupied housing loan?

Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the house price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan. Then, what is the down payment and amount of 20 16 Beijing owner-occupied housing loan?

1. What is the down payment and amount of the first home loan in Beijing?

For Beijing to maintain the continuity and stability of the personal loan policy of purchasing the first set of self-occupied housing provident fund. If the purchase area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of personal provident fund loans shall not be less than 20%; If the building area of Xing Tao is more than 90 square meters, the down payment ratio of the loan shall not be less than 30%, and the maximum loan amount shall be 6,543,800 yuan+0.2 million yuan.

2. What is the down payment and amount of the second home loan in Beijing?

Only two banks in Beijing have a down payment ratio of 60% for their second homes, while most other banks have a down payment ratio of 50%. The expected annualized interest rate is still unified as the benchmark, and the expected annualized interest rate rises by 10%. The down payment for the first suite of commercial loans is 30% of the evaluation price. The maximum loan amount is 800,000 yuan.

Third, the second set of owner-occupied housing loans in Beijing

The second set of ordinary self-occupied housing loans is no longer limited to paid workers' families whose existing per capita housing construction area is lower than the per capita housing construction area of urban residents announced by Beijing Municipal Bureau of Statistics.

20 16 what are the conditions for buying a house with a commercial loan? What should I do?

Commercial loans, also known as personal housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the expected annualized interest rate of legal loans. So, what are the conditions for buying a house with a 20 16 commercial loan? What should I do?

First, the conditions for applying for commercial loans to buy a house

1. There is a house purchase contract or agreement;

2. The loan object is a natural person with full capacity for civil conduct;

3. Having urban permanent residence or valid residence status requires the borrower to have legal status;

4. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

5. There are assets recognized by the lender as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the principal and interest of the loan and bear joint and several liabilities;

6. When applying for a loan, the bank has a second-hand housing mortgage loan of not less than 20% of the funds needed for buying a house. If the house payment has been paid to the seller in advance, the original and photocopy of the loan payment receipt shall be provided.

Second, how to apply for a commercial loan when buying a new house?

Generally speaking, the vast majority of real estate developers in the market cooperate with designated banks to provide "intermittent" mortgage business for buyers. If consumers buy new houses, especially faster houses, they can directly provide personal identification documents, purchase contracts and other related materials to banks through developers, and then apply for loans.

Third, how to apply for a commercial loan when buying a second-hand house?

However, if consumers buy second-hand houses, they need to take the initiative to find commercial banks to apply for loans. After signing a contract with the seller and negotiating the price, the buyer provides the household registration book, ID card, marriage certificate and other relevant documents of the buyer and the seller to apply for a loan at the bank, and then the seller signs the Statement of Selling the House provided by the bank, and then the house is appraised by a professional appraisal company recognized by the bank. After that, the bank will provide the buyer with a loan with the lowest evaluation price or 70% of the transaction price. The borrower pays the down payment and provides relevant information and proof of income, and the buyer and the seller can only transfer the ownership after reporting to the bank for approval. After the transfer, the property rights will be mortgaged to the bank, and the bank will return the property rights to the buyer after the buyer pays off all the money every month. ?

20 16 what are the conditions for applying for a loan to buy a house?

With the tightening of bank credit, personal housing loans are gradually tightening. Should the 20 16 loan be used to buy a house? It is understood that the new loan is expected to have an annualized interest rate of 20 16, so it is best to buy a house with a loan of 20 16. Then, what conditions do you need to apply for a loan to buy a house? What is the time limit for applying for a loan to buy a house?

First, the conditions for applying for a loan to buy a house

1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. When the loan expires, the man is not over 60 years old and the woman is not over 55 years old;

3. Have a stable and legal occupation and income source, be able to repay the principal and interest, and issue an income certificate stamped by the company at the work unit;

4. Unmarried persons provide ID cards, household registration books and single certificates;

5, housing loans generally do not exceed 70% of the total price of the purchase contract, the highest does not exceed 80% of the total price of the purchase contract;

6. Commercial housing loans shall not exceed 50% of the total contract price.

Second, the time limit for applying for a loan to buy a house

1. The maximum term of individual housing loan is 30 years;

2. The longest term of personal commercial housing loan is 10 year;

This is the end of the latest 20 16 housing loan policy and 20 16 housing loan policy. I wonder if you found the information you need from it?