1, 201In March, the central bank, the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission jointly issued a notice: for families who own a house and the corresponding housing loan has not been settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%.
2. The Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China jointly issued a notice: individuals who purchase ordinary houses for more than two years (including two years) for external sales shall be exempted from business tax, which will be implemented as of March 3, 2005. The loan target is employees who buy and build self-occupied housing.
3. Loan conditions
The borrower has full capacity for civil conduct, formal residence or valid residence status in this city, stable income, good credit and the ability to repay the principal and interest of the loan. Before the loan, the housing accumulation fund has been paid normally and has been paid continuously for more than half a year, and a valid contract or agreement for purchasing owner-occupied housing can be provided. The borrower and the purchaser must be consistent in the purchase contract, and the purchaser (except the spouse) must issue a written commitment to agree to the mortgage of the house.
Self-owned funds are not less than 30% of the value of the purchased self-occupied housing (more than 40% of the second-hand housing). If the borrower agrees to apply for housing mortgage and insurance and purchase commercial housing, the developer will provide staged guarantee and report relevant credit materials. The borrower agrees to open a personal account in the loan undertaking bank, and the loan undertaking bank agrees to directly collect the loan principal and interest from the account every month.
What should I pay attention to in the second home loan?
1, provident fund loans to buy a second suite can still enjoy preferential policies. If you use the first set of commercial loans and purchase the second set of provident fund loans, you can still enjoy the first set of loan policies; If you buy two sets of provident funds, you can still enjoy the first set of policies as long as you pay off the balance of the first set of loans.
2. If the customer has used the bank loan to buy a house according to the rumored second-home loan standard of CCB, and the per capita family area is less than 26.6 square meters (real estate license area/family population), then he can enjoy the first set of preferential policies when refinancing; If consumers apply for loans from CCB, they can compare whether the per capita housing area exceeds 26.6 square meters in advance.
3. Prepare materials in time to save processing time. There are many steps in the loan process, especially the transfer and mortgage take a long time. Preparing relevant materials in time is conducive to completing the treatment as soon as possible. Among them, the income certificate is not easy to handle, and it is easy for single buyers to miss the single certificate.