The answer is as follows:

1. Current housing loan policy

1. Provident fund loan. Each household can only apply for a loan for one house at a time. The interest rate for a first house with a term of less than 5 years (inclusive) is 4.20, and 4.7 for more than 5 years, and the down payment ratio is 30; the interest rate for a second house will be 10-20 higher, and the down payment ratio is more than 50. If the first home is a provident fund loan, you must wait until the first home loan is paid off before you can use the provident fund to finance the second home, and the interest rate and down payment will increase, and bank review will be stricter.

2. The application amount for a provident fund loan is generally 20-30 times the balance in the personal provident fund account, with a maximum of 200,000-300,000 (regulations vary from place to place). The qualifications for applying for a provident fund loan, borrowing People must pay the provident fund regularly and pay continuously for more than half a year (in some places, one year) before they are eligible to apply for a provident fund loan for house purchase. If both husband and wife have provident funds, the loan amount can be calculated jointly, with a maximum of 400,000 to 600,000 yuan.

3. The current interest rate for commercial mortgage loans with a term of more than 5 years is 6.8. The regulations for the first and second homes are similar to those for provident fund loans.

4. Combination loan means that when the provident fund loan for house purchase is insufficient, commercial mortgage loan is used to supplement it. For example, a person needs a loan of 500,000 yuan for a house, and the provident fund loan is 300,000 yuan (maximum), and the remaining Apply for a mortgage loan with a loan amount of 200,000 yuan.

5. There are currently two loan repayment methods: the equal principal and interest method and the equal principal method. The difference is that the monthly repayment amount of the principal and interest method is the same, which is suitable for family income and expenditure plans, but the total interest The expenditure is higher than that of the principal method; the principal method has the highest repayment amount in the first month, and then decreases month by month, with smaller repayments, which is suitable for borrowers with strong repayment ability in the early stage of repayment.

2. Suggestions for your house purchase

1. Provident fund loan interest rates are relatively low. If you want to buy two houses at the same time, you can apply for provident funds in each person’s name before registering your marriage. The advantage of such a loan is that it is considered your first home, the interest rate is low, and the interest expense is small. After the home purchase loan application is approved and the loan is approved and normal repayments are started, you can register your marriage again, which will have no impact on the loaned house.

2. If you buy two houses, both of you apply for provident fund loans at the same time: one house is 500,000 yuan, with a down payment of 30 (150,000 yuan), and a loan of 350,000 yuan is required. The maximum provident fund loan can be 20 ——300,000 yuan, you can apply for a combination loan, a mortgage loan of 50,000-150,000 yuan (if the provident funds of two people are combined, you can get a full provident fund loan); for another house of 300,000 yuan, the down payment is 300,000 yuan (90,000 yuan) , a loan of 210,000 yuan is required, which can generally be obtained.

3. If you buy two houses at the same time, the provident fund loan for each of them is 460,000 yuan (25 21), the term is 20 years (tentative), the interest rate is 4.7, and the mortgage loan is 100,000 yuan, the interest rate is 6.8, the term is also 20 years. If you repay according to the equal principal and interest method, then your monthly repayments are: the monthly payment of provident fund loan is 2960.08 yuan, the monthly payment of mortgage loan is 763.34 yuan, the total of the two is 3723.38 yuan (depending on your income, the bank will generally approve it). If the mortgage loan period is 10 years, the monthly payment is 1,150.80 yuan, and the total of the two is 4,110.88 yuan (which is also within your repayment ability).

4. If you buy two properties at the same time, and you have to pay off the loan after buying one before buying the next one, this house will be counted as the second one, and the interest rate and down payment will increase, and you will have to wait until this time. It will take a considerable period of time to pay off the loan for a house. At that time, policies and housing prices will change, which is unpredictable.

5. If you buy two houses at the same time and you have plenty of money, you can repay in advance (the principal will be offset, the monthly payment will be reduced, and the total interest will be reduced accordingly), or you can pay off all in advance. It is stipulated in the loan contract that one month's additional interest will generally be paid on the early repayment amount.

In general, it is better for you not to register your marriage first, but to purchase a house through provident fund loans in each of your names.

The above suggestions are for your reference. I hope they will be helpful to you.