What are the favorable policies for Yang Ma to reduce the down payment and return home this year?
Recently, the central bank announced that in cities that do not implement the "purchase restriction" measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.
In other words, you may enjoy 20% down payment when you go back to your hometown to buy the first suite, and 30% down payment when you buy the second suite! Returning home to buy a home this year is really hot again!
In fact, including reducing the down payment, there are many policies that are conducive to returning home to buy a house. Today, I will give you an inventory of 360. What policies are there to "escort" you when you return home to buy a house this Spring Festival?
First, the central bank cut interest rates five times.
On 20 15, Yangma cut interest rates five times in a row, and the mortgage interest rate reached the lowest in history. Friends who are ready to return home to buy a house just happened to cut interest rates. The mortgage 1 10,000, the loan for 30 years, from the benchmark interest rate of 6. 15% at the beginning of last year to 4.9% now, can save nearly 300,000 interest! The most anticipated thing is that it is said that there will be 1-2 interest rate cuts in 2065,438+06, and the latest one may be around the Spring Festival. Dear friends, please prepare for a new round of interest rate cuts.
Second, the down payment ratio of the first and second suites of provident fund loans was adjusted to 20%.
Last year, provident fund loans were used to buy the first and second suites, and the down payment ratio was reduced to 20%. Among them, applying for a provident fund loan to buy the first suite, most cities in the country have already achieved a down payment of 20%, and even Beishangguangshen has joined the ranks of the first cities with a down payment of 20%. What is the reason for your hometown to lose to "North to Guangzhou and Shenzhen"? Presumably, many friends will say that I work in a big city and can't use provident fund loans when I go home to buy a house. Don't worry, the following provident fund loan policy will definitely come in handy.
Third, provident fund loans to buy a house in different places.
Since June 8, last year, 10, the provident fund loan policy has been fully implemented. Among the 36 major areas monitored by Rong 360, 1 1 has realized loans in different places in the province, that is, the provident fund is deposited in other cities in these provinces, and you can apply for provident fund loans to buy houses in this 1 1 area. 14 area has realized the national loan from different places, that is, employees who have paid provident fund in other provinces and cities in the country can apply for provident fund loans to buy houses in this 14 area. The other four places only aim at some cities outside the province, and implement mutual loans of housing provident funds in different places. There are ***25 areas that implement provident fund loans in different places, accounting for about 70%. In addition, there are seven areas that have not yet realized the purchase of houses in different places with provident fund loans.
Fourth, commercial loans: 20% down payment for the first purchase of a house in a non-restricted city.
In September last year, the central bank and the China Banking Regulatory Commission issued a notice demanding that the minimum down payment ratio be adjusted to not less than 25% for commercial personal housing loans for households to purchase ordinary housing for the first time in cities that do not implement "purchase restriction" measures. This means that except Beijing, Shanghai, Guangzhou, Shenzhen and Sanya, other cities can enjoy a 25% down payment ratio for first-time home buyers.
Just on February 2 this year, the central bank issued a notice again. In cities that do not implement the "purchase restriction" measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places. In other words, all localities can adjust the down payment of the first suite to 20% according to the situation!
For property buyers, the most direct impact of down payment is to reduce the cost of buying houses and reduce economic pressure. If you go back to your hometown to buy the first set of housing, the down payment in the restricted city is 30%, and the down payment in the non-restricted city is as low as 20%. Save 10% directly on the down payment, and you can buy a bigger and more comfortable house when you return home.
Pay the down payment before the Spring Festival. It is expected that the bank will not make any adjustments before the holiday and will respond after the holiday. If your city can't provide off-site provident fund loans, commercial loans are also a good choice.
Fifth, the down payment for the second suite in non-restricted cities has dropped to 30%.
In February this year, the central bank released a message saying that for households with/kloc-0 apartments and the corresponding housing loans have not been settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%. Since then, the down payment for the second suite of non-restricted cities has been fully implemented by 30%. We "drifted" home to buy a second suite, and the down payment was also less than that of the restricted city 10%, which greatly reduced the cost of buying a house.
Well, are these favorable policies very powerful? Rong 360 finally reminds everyone that while paying attention to the policy, we should also buy a house reasonably according to our own economic conditions. After all, there is no best way to buy a house, only the one that suits you best, don't you think?