The down payment ratio of provident fund loans to purchase houses is 30%. The down payment ratio of housing provident fund loan refers to the ratio of the house purchase price paid by the buyer to the seller in advance to the total house price. The down payment for the house purchase is needed by the family, and the gap can be applied for a loan to complete the full purchase. Under normal circumstances, deducting the down payment from the house price is equal to the loan amount. If the down payment ratio is higher, the threshold of housing loan will be higher. At present, the down payment ratio of provident fund loans in our city is 30% for existing houses and mortgaged commercial houses, and 40% for second-hand houses. Housing provident fund loans to buy a house:, housing provident fund loans to buy a house down payment description: provident fund can not be directly used as a down payment to buy a house. Citizens need to pay the down payment first, and then go to the housing provident fund management center to withdraw the storage balance in their own provident fund. The maximum loanable amount of the housing provident fund loan is calculated according to the balance of the housing provident fund account: the calculation formula is: (the balance of the housing provident fund account is ×××××× to the number of statutory retirement months )× 2. The loanable amount of housing provident fund loans is calculated according to the maximum loan amount: the maximum loan amount is 500,000 yuan for one person applying for housing provident fund loans, and 800,000 yuan for two or more people applying for housing provident fund loans when purchasing the same house. The total withdrawal of housing provident fund cannot exceed the total purchase price. For example, a house bought by a citizen with a loan costs 200,000 yuan, and only 200,000 yuan can be withdrawn from the provident fund. After the housing provident fund loan is settled, you can use the provident fund to buy a house. Whether before marriage or after marriage, one of the husband and wife has applied for provident fund loans, which will be recorded in the system. If the provident fund loan for the first suite has been settled, it is still regarded as the first time for both husband and wife to buy a house with the provident fund loan.
What is the proportion of housing loans?
I. Commercial loans
At present, the mainstream of the first home loan policy in most areas is 30% down payment, and the benchmark interest rate for loans is 6.55% for loans over five years;
Second, provident fund loans.
For families who purchase the first self-occupied housing with a construction area of less than 90 square meters (including 90 square meters), the down payment ratio of housing provident fund loans shall not be less than 20%; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%.
Generally speaking, according to the existing implementation standards of the first suite, the down payment ratio of new house commercial loans is 30%, the down payment ratio of first suite provident fund loans is less than 20%, and the down payment ratio of more than 90% housing provident fund loans is not less than 30%.
For reference only, hope to adopt!
What is the down payment ratio for buying a house?
When applying for individual housing loans (including primary and secondary buildings) at China Merchants Bank, the down payment ratio is as follows:
1, for the first suite, the minimum ratio is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction")
2. For the second suite, the minimum ratio is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property. Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation.
Looking at the overall situation of the individual, you can generally achieve an average monthly income.
Process of handling mortgage to buy a house loan:
1, select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will issue a loan consent notice or a mortgage loan commitment letter;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.
How much can a commercial loan borrow to buy a house?
If the personal loan amount is sufficient, the mortgage loan amount is 70% of the appraisal price. (The specific amount varies from bank to bank. If the loan amount is not enough for housing loan, the loan amount shall prevail. The loan amount depends on the following factors:
1. The amount of bank loan applied for is affected by the down payment ratio of the loan, and usually cannot exceed the difference between the total house price and the down payment. The down payment ratio will be adjusted according to the property market. Restricted cities and non-restricted cities will be different, and different banks in the same area may be different. It is recommended that buyers fully understand the bank mortgage policy of the place where they buy the house and choose a suitable bank to apply for a loan.
2. In fact, the repayment ability mainly refers to the monthly income of the lender, because the monthly income directly reflects the repayment ability of the borrower. The relationship between loan amount and monthly income can refer to the following formula: monthly income ≥ monthly mortgage repayment X2.
3. When the bank issues loans, it will review the age of the loan house. Usually the requirement is 20-25 years, 30 years for a looser house and 15 or 10 years for a stricter house. The loan amount of second-hand houses with older houses may be reduced. Under the strict conditions of the bank, the loan will be completely rejected. It can be said that the shorter the house age, the easier it is to get loans, and the loan amount is higher than that of older houses.
4. Personal credit information can be said to be one of the important criteria for banks to consider borrowers. Good credit information is a prerequisite for obtaining preferential interest rates and loans. Some banks will look at the credit card credit records of borrowers within two years and the loan credit records within five years. Some banks will look at the credit records for a longer period of time, and the requirements are different. Serious overdue credit reports for three consecutive times and six times in total may lead to loan rejection.