Legal analysis: The first file is a large Chinese bank, and seven state-owned banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, China Bank, China Construction Bank, Bank of Communications, China Development Bank and Postal Savings Bank, are subordinate to it. The corresponding real estate loan ceiling is 40%, and the personal housing loan ceiling is 32.5%. The second file is Chinese medium-sized banks, including China Merchants Bank, China Everbright Bank, Zheshang Bank and Shanghai Bank. Its corresponding real estate loans accounted for 27.5%, and personal housing loans accounted for 20%. The third bank is a small Chinese-funded bank and a non-county agricultural cooperative institution, and city commercial banks, private banks, large and medium-sized cities and urban agricultural cooperative institutions are subordinate to them. The corresponding real estate loan ceiling is 22.5%, and the personal housing loan ceiling is 17.5%. The fourth bank is a county-level rural cooperative institution, and its corresponding real estate loan ceiling is 17.5%, and the individual housing loan ceiling is 12.5%. The fifth bank is a village bank, and its corresponding real estate loan ceiling is 12.5%, and the personal housing loan ceiling is 7.5%. For local banking financial institutions, the new regulations give them the flexibility to increase or decrease by 2.5 percentage points.
Legal basis: People's Republic of China (PRC) Commercial Bank Law.
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
Mortgage ratio
What do you think of the mortgage ratio?
Mortgage rate refers to the total value of the subject matter of the house multiplied by a percentage. Mortgage is a kind of loan.
If you put it on housing loans, the first set of loans in most cities such as Shanghai is 70%. This mortgage ratio means that you can borrow from the bank to 70% of the total purchase price. 70% can be purely commercial, or it can be a combination of provident fund and commercial loans. However, the total loan (mortgage) is also 70% of the purchase price.
How to apply for a mortgage?
1. The house used for secondary mortgage must be an existing house; 2. The property has been registered as a mortgage, and the handling bank is from housing mortgages; 3. The real estate license is managed by the customer himself; 4. The balance of the house purchase loan with the secondary mortgage loan of the property is lower than 70% of the current house price; 5. The borrower has full capacity for civil conduct, stable income and good credit; 6. The property should be high-quality housing and commercial housing with great market development potential. Although two mortgage has effectively increased the amount of loans, it should be noted that there should be some loanable space for housing in two mortgage. In other words, if the first loan amount only reaches 30% of the appraised value of the mortgaged house, choosing the second mortgage will undoubtedly greatly increase the loan amount.
How to deal with overdue mortgage?
1. The most important measure for overdue mortgage is to repay the loan immediately, and you can communicate with the bank staff by telephone.
If the loan can't be repaid on time, you should apply to the bank to extend the loan term immediately.
3. The bank will decide the extension time according to your loan term: the extension time of short-term loans should not exceed the original loan term, the extension time of medium-term loans should not exceed half of the original loan term, and the extension time of long-term loans should not exceed three years.
4. If the mortgage is overdue, whether it is a commercial loan or a provident fund loan, the lending bank will see the overdue information for the first time.
5. Even if it is overdue for one day, some strict banks will enter the overdue information into the central bank's credit information system, and the credit information system will have overdue records. It will be very troublesome to apply for a credit card or loan in the future. Even if the loan can be approved, the loan amount will be much lower.
What is the down payment ratio of the loan?
The down payment ratio of house purchase loans is generally around 30%.
The down payment ratio of house purchase loan is generally divided into two situations, which are related to the loan method. Those who choose provident fund loans are the first set of houses with a construction area of less than 90 square meters, and the down payment ratio is not less than 20%. For families with the first home and a building area of more than 90 square meters, the down payment ratio is not less than 30%, and it is required that they have continuously paid the provident fund 12 months or more and continue to pay it.
For buyers who choose commercial loans, the down payment ratio of the first home loan is not less than 30%, the down payment ratio of the second home loan is not less than 60%, and the third and above commercial banks suspend the issuance of housing loans.
For the first set of families who have used provident fund loans to settle their loans and buy their own houses again, the down payment ratio of loans shall not be less than 40%. At this stage, cities and regions will stipulate the down payment ratio according to the actual situation. Commercial loans will also fluctuate to a certain extent due to different banking policies. In addition to preparing the down payment, you also need to prepare relevant taxes and fees.
Never buy a house in full;
1. Buying a house in full requires a lump sum payment. If there is not enough funds, after all, a large one-time investment may affect other projects of consumers. In addition, unless you have a good understanding of its real estate projects, including building quality, developer technology, financial strength, etc., buyers need to have a considerable level of technical expertise, which is beyond the reach of ordinary people.
2. Buyers who choose one-time payment will increase the risk of buying a house, because real estate transactions will take some time. In the current real estate market, it is not uncommon for real estate to be unfinished, delay in delivery and developers to run away. At this time, you have given all the money to the developer, so there is no guarantee at all. However, this period is full of unknown variables. In the event of an accident, the buyer who has paid the full amount may suffer heavy losses.
3. Pay a small amount of money in one lump sum to buy a house with a loan, so that buyers can allocate funds for other contributions. As long as the return on investment is higher than the loan interest rate, then it is obviously more cost-effective to buy a house with a loan.
In the long run, inflation is the general trend, and money will become less and less valuable. You pay 5,000 yuan a month now, and in 20 years, you may only be able to buy things from 50 yuan. Using future money to consume present things can not only effectively fight inflation, but also enhance asset value in disguise.
What is the proportion of housing loans?
1. If it is the first home loan, the maximum mortgage ratio is 80% of the house price, and the minimum down payment ratio is 20% of the house price. However, general lending institutions stipulate that the housing area should not be higher than 90 square meters before the down payment is 20%. Under normal circumstances, the mortgage down payment ratio is 30%, and the loan ratio is 70%.
2. For the second home loan, the down payment ratio is generally not less than 60%, and the maximum loan ratio is 40%. The specific proportion of mortgage loans depends on the audit results of lending institutions.