1. What loan methods do we have?
1, housing provident fund loan
Because the interest rate of provident fund loans is lower than that of commercial loans, housing provident fund loans have become the first choice for mortgage loans. 20 15, 10 adjust and implement the current provident fund loan interest rate. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the annual interest rate of provident fund loans for less than five years is 2.75%, which is consistent throughout the country.
2. Personal housing commercial loans
People who have not paid the housing provident fund cannot apply for housing provident fund loans. If you want to buy a house with a loan, you can only apply for a personal housing commercial loan. As long as the lender's deposit balance in the loan bank is not less than 30% of the loan amount, and it is used as the down payment for house purchase, and the loan bank recognizes the assets provided by the borrower as collateral or pledge, or takes the unit or individual with paid loan ability as the guarantor to repay the loan principal and interest and bear joint liability, it can apply for personal housing commercial loans for a long time.
3. Individual housing portfolio loans
Borrowers who meet the conditions of individual housing commercial loans and pay housing provident fund at the same time can apply for individual housing provident fund loans while handling individual housing commercial loans, that is, borrowers can purchase urban self-occupied housing (or other bank-approved guarantee methods) as collateral, and apply for individual housing provident fund loans and individual housing commercial loans from banks at the same time.
When individuals can't pay the purchase price through provident fund loans, they can apply for portfolio loans from the handling bank entrusted with provident fund loans. For example, if you need a loan of 2 million yuan, the local provident fund management center stipulates that the maximum loan for provident fund is 6.5438+0.2 million yuan. In this case, the remaining 8 million is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.
2. What conditions determine the loan amount?
1, mortgage down payment ratio
The bank loan amount is affected by the down payment ratio of the loan, and usually cannot exceed the difference between the total house payment and the down payment. Because different cities have different down payment ratio policies and different banks have different loan policies, the amount of loans they can borrow is also different. It is recommended to know more about the bank's policies before lending.
2. Lender's repayment ability
The repayment ability mentioned here mainly refers to the monthly income of the lender, and the repayment ability coefficient = monthly income/monthly payment. Generally speaking, the repayment ability coefficient can directly reflect the repayment ability of the lender. The higher the loan coefficient, the stronger the repayment ability.
3. Second-hand housing inspection age.
When buying a second-hand house to apply for a loan, the bank will inspect the age of the house to be loaned, which generally requires 20-25 years, 30 years for a looser house and 15 or 10 years for a stricter house. It can be said that the shorter the house age, the easier it is to get a loan, and the amount is higher than the house age.
4. Personal credit information
One of the important criteria for banks to consider lenders is good personal credit information. Some banks will review the borrower's credit card records within two years and loan credit records within five years. Some banks will look at the credit records for a longer period of time, and different banks have different requirements. Serious bad credit information overdue for three or six times in a row may lead to loan rejection.
5. Other guarantees
At the same time, banks with banks will inspect the borrower's payment of medical insurance, endowment insurance, accident insurance and housing provident fund, because these can reflect the borrower's repayment ability from the side, among which medical insurance and endowment insurance are more important.
3. What if the loan amount is not enough?
1. If the provident fund loan is insufficient, you can apply for a portfolio loan.
If the amount exceeds the amount of the provident fund loan, you can apply for a portfolio loan. However, it should be noted that not all banks accept portfolio loan applications, and portfolio loans involve provident fund centers, banks and other institutions, and the approval period is more than 3 months. Therefore, buyers who are eager to pay the house price should consider the time problem.
2. What if the loan amount is not enough because of personal credit information?
Because different banks have different loan policies, it is possible for banks with loose loan policies to obtain the expected application volume. To buy a new house, you can borrow from a bank that cooperates with the real estate, and you can also get some interest rate concessions.
3. What if the borrower's monthly income can't meet the bank standard and the loan amount is not enough?
In this case, relay loan can be considered. For example, the income of Betty Wong Jr., the borrower, does not meet the bank lending standards, and Wang's father has not retired, so his income is very high. If the sum of the income of Xiao Wang and his father meets the conditions: the income of Xiao Betty Wong+the monthly income of his father >; = monthly loan repayment amount *2, then the borrower * * * applies for mortgage with his father, thus increasing the loan amount.
I consulted many banks, but I couldn't get the amount I wanted. What should I do?
If you can't get the loan you want after consulting a number of banks, you can also apply for a loan from a small loan company. The loan application conditions of small loan companies are relatively relaxed, the approval process is simplified, and it is easier to "borrow" consumer loans to pay the house payment.
5. All the above methods have been tried, but what should I do if the quota has not been reached?
If the approved mortgage amount is not much less than expected and you don't want to apply for other loans, you can consider borrowing money from relatives and friends to make up the difference.
(The above answers were published on 20 16-07-20. Please refer to the actual situation for the current purchase policy. )
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