In order to understand the direction of banking policy, Sohu Focus Changzhou Real Estate Bian Xiao called the major banks in Changzhou yesterday, and learned from the banks that there is a tightening trend of mortgage loans at present, among which the implementation policies of two-family loans are different. At the same time, Bian Xiao also explained in detail the new mortgage policy and provident fund policy.
Bank of Communications double-door loan down payment 25%-30%.
In fact, after the purchase restriction policy, Zhou Xiaochuan, governor of the central bank, pointed out at the G20 summit that the central bank and other departments would release some big moves to control credit growth. However, judging from the current situation in Changzhou, the mortgage policies of major banks in Changzhou have not changed significantly, and the "first-time" and "first-home" buyers are still strictly distinguished. The mortgage interest rate of the first home is mostly 10% discount.
However, among them, Bank of Communications said that the discount of cooperative properties of banks currently ranges from 15% to 10%, and the specific discount depends on the credit rating of lenders. For double-home loan borrowers, it is not necessary to provide 1 year social security and tax payment certificates. If the customer's parents or children are locals, or the customer can provide proof of provident fund, tax payment and social security, it can be considered as a non-double foreigner, and the loan can enjoy a minimum down payment ratio of 20%. If you can't provide relevant certification materials, you can still apply for a loan from the bank, but for these buyers, the bank said that the down payment ratio is relatively high, with a minimum of 25%.
At the same time, Changzhou Branch of Agricultural Bank of China said: "At present, the policy is intensive, and the bank may change the double-home loan policy, but it has not been notified yet." In other words, for the residents with dual foreign household registration, the down payment ratio is still 20% for the first purchase and 30% for the first suite, and the mortgage interest rate is also preferential according to the first suite.
Minsheng Bank also said that the down payment of double-door mortgage is slightly higher than that of Changzhou household registration residents, but the specific amount depends on the income and credit rating of the lender.
In addition, CCB also said that the recent policy of restricting purchases and loans has been intensively introduced, which cannot guarantee that the existing policies will still be implemented for dual-registered property buyers in the later period.
Buying a house after a fake divorce is not necessarily the first suite.
House prices are rising and the property market is hot. The market will breed many fake divorce cases. Recently, Sohu Focus Network also received suggestions from netizens on how to define the first and second houses after divorce. In this regard, Sohu Focus also consulted Bianxiao Bank. It is reported that the Bank of China staff said that the loan was bought during the marriage and the loan was not paid off after the divorce. One of them still applied for a loan to buy a house unless the previous loan was settled.
Regarding this case, ICBC said: "It mainly depends on the credit information of the re-applicant, and the specific issues are analyzed in detail." Minsheng Bank said: "If the previous loan comes from one spouse, the spouse who has no loan record after divorce is still buying a house for the first time. If both husband and wife make loans and the other party applies for a mortgage after divorce, even if it is a second suite, the loan interest rate can be implemented according to the interest rate of the first suite in the name of the lender. "
In addition to how to identify the first set and the second set after divorce, Bian Xiao also consulted the bank about the time when the buyers are most concerned about the loan. ICBC can borrow for one week, CCB can borrow for three days, and Industrial Bank can also borrow for one week. At the same time, a number of banks said that if there is no problem with the lender's credit information and the information is complete, the lending time will not be long.
At the same time, the Construction Bank said that although the bank and the provident fund belong to two independent systems, if there is a loan record in the credit information system (no matter what kind of loan), it may still be identified as a second suite after re-application.
The above is Changzhou's commercial loan policy. Next, Bian Xiao briefly introduces Changzhou's provident fund loan policy.
You can only apply for two sets after the first set of provident fund loans are settled.
Since April 20 this year, the down payment ratio of the first home loan of Changzhou Provident Fund has been adjusted to 20%, and this policy is still implemented. The maximum loan for the first home is 300,000 for individuals and 600,000 for couples. The loan amount is 20 times of their account balance, and the minimum loan amount can be relaxed below the minimum loan amount. The interest rate of provident fund loans is 3.25%.
If a lender with a withdrawal record applies for a housing loan with the provident fund, the loan amount is 10 times the balance of his account, and the loan interest rate is still 3.25%. The amount of the second home loan is 10 times of the account balance, and the loan interest rate needs to rise by 10%, that is, 3.25%* 1. 1=3.575%. At the same time, the premise of applying for provident fund second home loan is that the first home loan needs to be settled.
The above is the latest policy of Changzhou commercial loan and provident fund loan to buy a house. Please leave a message if you don't understand!
(The above answers were published on 2016-11-07. Please refer to the actual situation for the current purchase policy. )
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