Mortgage policy, the actual operation policies of different regions, different times and different banks are changing at any time.

The retail loan quota divides all retail loans into standard loans and non-standard loans, that is, standard loans and non-standard loans.

Standard loans include new housing loans and second-hand housing loans.

Non-standard loans include credit loans, investment and operation loans and automobile installment loans. This question mainly asks about new houses, which is a standard loan for new houses. Standard loans are called standard loans because compared with non-standard loans, their risks are lower, just like the products on the assembly line just follow the process of standard loans, and there is basically no need to worry about the risk that customers cannot repay.

The down payment ratio of the first suite is 20%-30%, the down payment ratio of the second suite is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. The down payment ratio will be different in different regions.

The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; The third suite is not allowed to buy a house with the current loan. When buying a new house and a second-hand house, the calculation of loan down payment is very different.

When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans.

Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property. Generally, the evaluation price of second-hand houses is lower than the market price. Appraisal prices are mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.

Second, the significance of the five-level classification of bank loans

Is this homework, children's shoes?

Third, the difference between normal loans and non-performing loans,

These three types of loans are classified management of borrowers' repayment after loans, and classified management is carried out in order to reduce the non-performing rate of loans.

1. The repayment record is good and the repayment intention is strong, so there is no such situation;

2. Expired status. There is a situation that the borrower can't repay the loan on time, and the borrower's consciousness of repayment on time is not strong, but it is not caused by subjective reasons. Pay attention to the repayment record and notify the reminder in time;

3. Is the repayment different?

Non-performing loans refer to borrowers who are in arrears for a long time or fail to repay for multiple periods, and then occasionally repay or still fail to repay, and the date of arrears is between 3 months and 6 months.

Extended data:

If the standard is reasonable, it should be classified as normal. This means small and micro enterprises that meet the normal level of coverage and loan renewal.

At the same time, banks should also strengthen the internal identification of renewal loans, establish a monitoring and analysis mechanism for renewal loans, improve the frequency of inspection and evaluation of renewal loan risk classification, prevent classification, and cover up the real risk status of loans.

In addition to allowing qualified small and micro enterprises to renew their loans, the Notice also proposes to reasonably determine the term of working capital loans for small and micro enterprises, so as to avoid increasing the business varieties of small and micro enterprises such as fund revolving loans and annual loans due to the mismatch between the loan term and the production and operation cycle of small and micro enterprises, and rationally adopt flexible repayment methods to reduce the repayment pressure of small and micro enterprises.

In order to avoid the compliance of small and micro enterprises, the relevant person in charge of the China Banking Regulatory Commission said that the renewed loan funds should be managed in full circulation, and information should be obtained through multiple channels, so as to prevent small and micro enterprises from using the renewed loan to conceal their real financial situation, or to use the loan for a long time or change the purpose of the loan.