What are the 217 policies for housing loan in Beijing?
1. Share of mortgage down payment. The down payment share of mortgages in different cities is inconsistent. Generally speaking, the down payment share for the first mortgage application is at least 2%, and the down payment share for the second suite is at least 3%! However, there are exceptions. The maximum down payment for the first suite is 3.5% in Beijing and Shanghai.
2. mortgage interest rate. Now the national mortgage benchmark interest rate is 4.9%. However, different banks have different preferential policies for mortgage interest rates. Generally speaking, ordinary people can get a 1% discount on the benchmark interest rate when buying a house, and high-quality customers with bank scores can enjoy a 2% discount. Last year, in the process of relatively loose bank credit, there was a 3% discount. However, it is estimated that bank credit will be tightened. For example, Beijing will implement a minimum mortgage interest rate of 1%.
3. repayment method. At present, the primary repayment method is still average capital and equal principal and interest repayment. Average capital refers to the equal repayment of the loan principal every month, and the interest is reduced month by month. The early repayment amount is large, and the repayment pressure is getting less and less, which is suitable for high-income people. Matching principal and interest repayment refers to adding the total principal of mortgage loan and the total interest principal, and distributing them evenly every month. Now is the primary repayment method, suitable for civil servants and teachers with stable income.
Other requirements for housing loan in Beijing
1. Loan amount and duration In the process of lending, banks will decide how much to lend you based on your personal credit information, monthly income, repayment level and house evaluation value. However, in terms of repayment level, the monthly income is required to be greater than or equal to the monthly mortgage payment of 2, and some banks are outside. The loan period is generally less than 2 years, and relatively loose banks can be 3 years.
2. Specification for the first and second suites. Many people have heard of "recognizing houses and loans" and "recognizing houses but not loans". I don't know what this means. I don't know the difference between the two. Recognizing a house means that when defining a second suite, if the borrower has the registration information in the local house registration system, when buying a house again, the house will be defined as a second suite or above.
loan recognition means that when defining the second suite, if the buyer has registered the information of borrowing to buy a house in the bank credit information system, then when applying for borrowing to buy a house, the house will be defined as the second suite or above. To put it simply: recognizing a house is recorded in the local house registration system, and recognizing a loan is recorded in the bank credit information system.
However, there are some differences in the criteria for determining the second suite: generally speaking, if you borrow to buy a suite, the commercial loan has been settled, and then borrow to buy a house is the first set; If the loan is not settled-count two sets. However, in some cities with restricted purchases such as Beijing, regardless of whether the loan is settled or not, it is implemented according to the policy of the second suite, and the down payment and interest rate are improved accordingly.
Have we got a clear understanding of these housing loan problems? 217 is a year of property market regulation. Friends who want to buy a house must pay more attention to the direction of the policy and buy a house reasonably.
what are the requirements for housing loan in Beijing
1. The commercial real estate purchased by an enterprise needs to be listed for trading for three years or more. If the buying and selling policy is personal, it shall be implemented in accordance with the city's purchase restriction policy.
2. If there is no real estate in this city under the name of a resident's family, and there is no record of commercial real estate lending or provident fund real estate lending, the current first-suite policy shall be followed for the purchase of ordinary self-occupied real estate, that is, the down payment share shall not be less than 35%, and the down payment share for the purchase of non-ordinary self-occupied real estate shall not be less than 4% (outside the policy residence places such as self-occupied commercial real estate and two-limited houses).
if a resident's family already owns a property in this city, and there is no property in this city but there is a record of commercial property lending or provident fund property lending, the down payment share for purchasing ordinary self-occupied property shall not be less than 6%, and the down payment share for purchasing non-ordinary self-occupied property shall not be less than 8%.
3. personal real estate loans (including real estate provident fund loans) with a loan period of more than 25 years (excluding 25 years) are suspended.
After reading the 217 policies of Beijing housing loan written by Xiaobian, I found that Beijing still has very clear regulations on housing payment, and I hope you can refer to them when you do things.