The preferential policies for buying houses are mainly divided into the reduction of down payment ratio, the reduction of loan interest rate and the looser loan policy.

1, the down payment ratio is lowered. The adjustment of the down payment ratio is reflected in many aspects, such as the down payment ratio of the first suite and the second suite.

(1) The down payment for buying a house with provident fund loans has been reduced. Housing provident fund loans to buy a house have lower interest than commercial loans to buy a house, and the down payment ratio is also lower.

(2) The down payment ratio of commercial loans is reduced. The low down payment ratio for purchasing the first suite through commercial loans is reduced to 25% (city). According to the notice published on the website of the central bank, in some cities, residents who use commercial personal loans to buy ordinary houses for the first time have a low down payment ratio of 25%.

2. The loan interest rate is lowered. In 20 15, the central bank adjusted the loan interest six times, which is a major event. In any case, these policies are beneficial to the people.

3. The loan policy is relaxed. The state-owned provident fund loan policy has been relaxed. When calculating the application amount, if the account amount is less than 70,000 yuan, it will be calculated as 70,000 yuan, and the low amount will be increased by 200,000 yuan. In addition, the loan repayment period can be extended to 5 years after the borrower's statutory retirement age, and the long-term loan period is 30 years.

4. Promote the purchase of houses in different places. Further liberalize and promote the loan business in different places. Workers who deposit their houses outside the deposit area may apply for personal housing loans to the housing provident fund management department of the place where they purchase houses in accordance with the housing provident fund personal housing loan policy.

What is the interest rate of 20 15 first home loan?

The interest rate of 20 15 first home loan is: 5.60% for loans within one year (including 1 year), 6.00% for loans from one to five years (including five years) and 6. 15% for loans over five years.

If individuals apply for provident fund loans, the interest rate of provident fund loans will be different from before. Because the interest rate of provident fund loans has also dropped. The interest rate of the provident fund first home loan is: 4.25% for housing provident fund loans for more than five years and 3.75% for housing provident fund loans for less than five years.

Whether the first home loan interest rate is favorable depends mainly on the bank regulations, but the first home loan interest rate is usually lower than the second home loan interest rate. No matter what type of mortgage you apply for.

To apply for personal commercial housing loans, the People's Bank of China stipulates that the interest rate of the first personal commercial housing loan shall not be lower than the corresponding period.

The interest rate of two sets of personal commercial housing loans with limited LPR shall not be lower than LPR plus 60 basis points (one basis point is equal to 0.0 1%).

Of course, different regions and banks may make some adjustments on this basis. For example, the interest rate of the first set of personal commercial housing loans in Beijing is not lower than LP plus 55 basis points in the same period, and the interest rate of the second set of personal commercial housing loans is not lower than LPR plus 65,438+005 basis points in the same period (please consult the local branch for details).

If you apply for individual housing provident fund loans, according to the benchmark interest rate of central bank loans, the annual interest rate of provident fund loans for more than five years is 3.25%, and the interest rate of two sets of housing provident fund loans is 1. 1 times of the benchmark interest rate.

Commercial loan: When buying the first suite by family, the borrower can borrow up to about 70% of the appraised house price.

Provident Fund Loan: Families use provident fund loans to buy the first suite. The area of the house purchased by the borrower is less than 90 square meters, and generally the maximum loan can be about 80% of the appraised house price. More than 90 square meters, the maximum loan can be 70%. In addition, the amount of provident fund loans is generally related to the amount and proportion of deposits, and the bank staff should be consulted for details.

Borrowers who need loans to purchase houses must meet the following conditions:

1, with urban permanent residence or valid residence status;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. There is a purchase contract or agreement;

4. If there is no housing subsidy, not less than 30% of the total price of the purchased house shall be used as the down payment for the purchase; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

5. There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

6. Other conditions stipulated by the lender.

What problems should I pay attention to when buying a house with a loan?

1. Define the repayment method in advance. At present, there are two main repayment methods, one is equal principal repayment and the other is equal repayment. These two repayment methods have their own advantages. For the equal repayment method, the borrower can master the monthly repayment amount and plan the household income and expenditure.

2. For the repayment method in average capital, it is suitable for people who have very strong repayment ability and want to reduce interest through quick repayment. You can choose the appropriate repayment method based on your own situation.

According to the latest mortgage regulations, the first suite usually needs to prepare 30% down payment, and the second suite needs to prepare at least 40%. In addition, considering the interest rate, people who borrow money to buy a house should prepare more funds, and it is best to ensure that their monthly income is more than twice the monthly payment, which will help improve the mortgage pass rate.

4. If the borrower takes the balance of the provident fund before the loan, the balance of the provident fund in his provident fund account will become 0, and the amount of the provident fund loan will become 0. In other words, you can't successfully apply for provident fund loans at this time.

Can I get a loan for the third suite?

Whether the third suite can be loaned generally needs to be judged according to the actual situation. If the city where you live implements the policy of restricting purchases and loans, it is impossible to apply for a loan to buy a third suite.

Since such policies generally limit the number of sets on a family basis, children cannot apply for loans.

Because if the first two suites under the buyer's name are paid in full, the third suite can generally be loaned. In addition, if it is an employee, the two properties under his name are all loaned through the provident fund, and only commercial loans can be used.

Extended data:

First, according to the current real estate policy, there are no strict restrictions on the number of housing units, but refer to the loan records. If the loans of the first two houses in the buyer's name have not been paid off, the third house is not eligible to apply for loans. However, the policies in some areas are relatively loose, and the third suite can also be loaned. However, the interest rate is relatively high, and the down payment of the house is relatively large, which requires a one-time payment of 70% to 80% of the total house price, which means that the mortgage pressure of buyers becomes greater. In addition, if the property buyer is an employee, there are two properties under his name that are loaned through the provident fund, and the loan method of the third house only supports commercial loans. If the buyer chooses commercial loans for the first two properties and pays off the loans, the loan for the third suite will still be handled as the first suite. But before we apply, we'd better check our credit standing and whether we can afford the monthly mortgage and interest.

Finally, for buyers with two properties under their names, once they buy the third suite and the housing area exceeds 80 square meters, they will be recognized as residential consumption, and a certain property tax will be levied every other year.

2. On April 20 12, in order to curb the excessive rise in housing prices, CSG issued the "National Ten Articles" requiring financial institutions to implement differentiated credit for individual first-home mortgages:

For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. Three-sector policy 20 15

Three, 2065438+March 30, 2005, the central bank, the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission jointly issued the Notice on Issues Related to Individual Housing Loan Policy. (abstract)

1. For families who own/kloc-0 apartments and have not repaid the corresponding housing loans, in order to improve their living conditions, they should apply for commercial personal housing loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.

2. Deposited employees' families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.

Iv. 20 16 two-sector policy

In cities that do not implement the "purchase restriction" measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.

For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations. [8] At the end of 201165438+10, Shanghai issued the detailed rules of the purchase restriction order, clearly indicating that Shanghai locals can only buy two houses at most, and foreigners can only buy one set at most in Shanghai. According to the policy requirements, banks in Shanghai will no longer accept the third set of housing loans. 20 12 loans for the first and second homes are already very difficult.

20 15 what is the latest policy for the first home loan/mortgage?

2065438+September 30, 2005, the central bank and the China Banking Regulatory Commission just issued the Notice of the China Banking Regulatory Commission of the People's Bank of China on Further Improving Housing Financial Services, which clearly pointed out that the lower limit of the first home loan interest rate is 0.7 times the benchmark loan interest rate. For 1 housing families who have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy.

At the same time, in cities that have cancelled or failed to implement the "purchase restriction" measures, families who own two or more houses and have settled the corresponding housing loans apply for loans to buy houses. Banking financial institutions should carefully grasp and determine the down payment ratio and loan interest rate level according to factors such as the borrower's solvency and credit status.

First, I bought a suite with a loan, and then I bought a house with a loan after the commercial loan was settled-the first set.

Second, I bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set.

Third, I bought a suite in full and bought a house with a loan-the first set.

Fourth, I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.

5. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.

6. One is that the commercial loan under the personal name has been paid off, and the other is that the provident fund loan has been sold. At the same time, you can provide proof of house sale, apply for a commercial loan and buy a house-the first set of calculations.

After reading the policy description of the 20 15 first home loan related policy, let's take a look at the latest mortgage interest rate.

What is the interest rate of 20 15 mortgage?

20 15 is the benchmark interest rate adjusted according to 20 12 on July 6th. Types and annual interest rates are as follows:

1 .6% of short-term loans for six months (inclusive).

6% for half a year to one year (inclusive).

3. One to three years (inclusive) 6. 15%.

4. Three to five years (inclusive) 6.4%.

5. More than five years, 6.55%.

In addition, the loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different loan banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate.

Loan interest rate:

1. Loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when granting loans. There are roughly three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

2. The determinants of bank loan interest are: bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa.

3. The loan interest rate must also consider price changes, securities returns, politics and other factors. However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks.