According to the current bank loan policy, if both husband and wife have bought two or more houses and two or more houses are being loaned, the bank that applies for housing mortgage loan again will not grant credit, that is, refuse to lend. If you have purchased multiple houses, but the loan has been settled, or only one house is being loaned, you can apply for a mortgage loan. Those who have no loans will enjoy the first home loan, and those who have 1 loans will be counted as the second home loan.
On March 30th, 20 15, the Notice on Issues Related to Personal Housing Loan Policy issued by the People's Bank of China, the China Banking Regulatory Commission and the Ministry of Housing and Urban-Rural Development mentioned that the minimum down payment ratio should be adjusted to not less than 40% for households who own/kloc-0 apartments and the corresponding housing loans have not been settled. The specific down payment ratio and interest rate level shall be determined by banking financial institutions according to the borrower's credit status and interest rate level.
2. Can I get a commercial loan for the third suite after April 19?
Can I get a loan for the third suite?
First of all, individuals can own a third home, but it is not so easy to apply for a third home loan:
1. Before applying for a third home loan, an individual must first know the credit standing of his bank, whether he is able to bear the down payment of the third home and repay the loan principal and interest on time, and whether he can pass the application depends on local conditions.
Judging from the current situation, the third house can apply for a loan, but it can't be purchased with a provident fund loan. If the applicant has two sets of housing provident fund loan records, then the third house is usually not allowed to use provident fund loans.
3. Use a commercial loan to buy the third suite. If the previous commercial loan has been paid off, you can apply for a commercial loan when buying a house, which is regarded as the first suite.
Commercial loans are also handled according to the first suite.
4. In addition to commercial loans, you can also apply for mortgage loans, but only if you have not applied for them or the mortgage loans you have applied for have been paid off. And now have enough down payment and repayment ability, as well as a good credit record.
What is the interest rate of the third suite loan, and the related contents of whether the third suite can be loaned? I hope it can inspire everyone. At present, the property market purchase restriction policy in many areas is still relatively strict, so for the third house, there will naturally be no preferential payment and loan interest rates, and Billy will increase accordingly.
3. Can I borrow money to buy a third suite in 2020?
Loans are available, but at least one of the first and second suites can be used without mortgage. According to the bank loan policy, if both husband and wife have purchased more than two houses and more than two houses are being loaned, the bank will refuse to apply for mortgage loans again. If you have purchased multiple houses, but the loan has been settled, or there is only one loan, you can apply for a mortgage loan. Identification standard of three suites: 1. There are two sets of business loan records in the personal name, one set has been paid off and sold, and the other set has not been paid off. If this situation is refinanced, it will be recognized by the bank as the third set of housing loans. 2. There are two sets of commercial loan records in the personal name, all of which are paid off and sold. Although you can provide two sets of housing sales certificates, but there is no real estate in your name, it will be considered as the third suite when you refinance. 3. A set of commercial loans under the personal name has been paid off, and another set of provident fund loans has also been paid off. The borrower wants to use the provident fund loan to buy another property, which is regarded as three suites according to the new provident fund policy and implemented according to the three-suite loan policy. 4. The first home loan provident fund loan, the second home loan commercial loan and the second home loan are also prepared to use commercial loans. This situation will count as three sets. For more information about whether the third suite can be loaned in 2020, please visit:/ask/e9D3a41615838362.html? Zd view more content
Can I get a commercial loan for the fourth and third suites?
Of course. Commercial loan application conditions: legal residence status; Have a stable occupation and income; Having the ability to repay the loan principal and interest on schedule; There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions as their guarantees; There is a contract or agreement for the purchase of housing; When applying for a loan, there is no less than 30% deposit in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; Other conditions stipulated by the lending bank.