Interest-free depends on whether there are relevant regulations in local policies, but we can buy a house directly. If we participate in interest-free activities, the so-called interest-free is the national financial preferential treatment. Interest-free mortgage loans are generally divided into three situations:
1. Property buyers are high-end talents who meet national regulations and can apply for lower mortgage interest rates;
2. The purchaser has applied for * * * property housing and affordable housing, and the policy helps the purchaser to pay part of the purchase funds;
3. There are preferential policies for the first suite in the area where the buyers are located.
Interest-free mortgage is the policy after tax reform. Six special deductions have been added to the policy, including the interest-free policy for the first suite. The longest interest rate reduction period does not exceed 240 months, and the interest rate can be reduced by 240,000 yuan in full. However, it should be noted that this is a special subsidy from the state, which is not available to all first-home buyers in all cities and needs to meet all the conditions stipulated by the state. At present, 14 cities have introduced relevant subsidy policies, but they are still hierarchical. According to the level of undergraduate education, gradually increase the amount of funding.
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1.*** Property right house refers to the property right jointly held by the state and individuals, which is generally "fifty-fifty" or "thirty-seven", and citizens can "redeem" the property right. This kind of house is usually relatively low in price and quality, and it is friendly to low-income families.
2. As long as the lender meets the conditions stipulated by the state, it can be handled, but the conditions in different places are slightly different, and the local bank shall prevail. In fact, interest-free does not mean that there is really no interest, just because there is policy support. The general process is that the government and the bank lend together, and then the Ministry of Finance pays the interest to your bank, so it becomes an interest-free loan when it falls on this group of people.
3. An interest-free loan is an interest-free loan. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
Chongqing's first home loan policy
The soaring housing prices in Chongqing have put great pressure on property buyers. Everyone wants to buy a favorite house, but it is too difficult for ordinary office workers. Buying a house by loan is a very popular practice now, and the first home loan can enjoy many preferential policies. Let's learn about Chongqing's first home loan policy!
Chongqing's first home loan policy
1. You can enjoy the preferential mortgage interest rate when you buy the first suite, but you must be 18 years old when you buy the first suite, and you can enjoy the preferential deed tax rate of 1% when you buy an ordinary house below 90 square meters.
2. There is no separate house under the name of the buyer except the house purchased with parents.
According to the current national preferential policies, you can enjoy a 30% discount on the down payment for the first suite, but it is difficult to get a 30% discount on the down payment because of the increasing bank deposits and interest this year.
What is the down payment ratio of the first suite in Chongqing?
1. The first suite takes the family as the unit and adopts commercial loans, which can reach 70% of the appraised house price. (The appraised price is lower than the market price, for example, the market price of a house is 654.38+0 million, and the appraised price is only 800,000, so 70% of the 800,000 can be loaned, that is, 560,000, and the remaining house price is 440,000 as the down payment).
2. If it is the first time to buy a house, you can get a loan of 80% of the appraised house price, provided that the house area is within 90 square meters and the loan of more than 90 square meters is 70%. According to the adjustment, at present, in non-restricted cities, only 75% of loans can be made for the first time, and the provident fund has no rating, and generally only 800,000 loans can be made.
3. The first suite can also be discounted at the interest rate, which is 85% of the benchmark interest rate. Now, commercial loan recognition depends not only on whether there is real estate under the family name, but also on whether there is a loan record before.
Bian Xiao concluded: The content of Chongqing's first home loan policy is briefly introduced here, hoping to help everyone! The first home loan has certain preferential policies. You can learn more about the preferential policies before buying a house.
Preferential policies for the first home loan in 2022
The lower limit of the interest rate of the first commercial personal housing loan is adjusted to not less than the quoted interest rate of the loan market minus 20 basis points. According to the latest (i.e. April 2022) LPR, the price is 4.6% for more than 5 years, that is, the interest rate of the first home loan is not lower than 4.6%. The interest rate of the first home loan can be as low as 4.4%.
If the interest rate of the first home loan is lowered, it will not be lowered if it has been bought, which means that it has no impact on the owners who have already bought a house.
This policy adjustment is mainly aimed at newly issued commercial personal housing loans, and the interest rate of existing commercial personal housing loans is still implemented according to the original contract.
This means that the adjustment range of the lower limit of the interest rate of personal housing business loans does not include the second suite, and it is not applicable to individual families who have applied for the mortgage loan of the first suite.
Are there any preferential policies for housing loans and mortgages for the disabled?
Whether disabled or normal, as long as they meet the loan conditions, they can apply for a buyer's mortgage loan, but there is no preferential policy.
Mortgage can be divided into existing mortgage loans and unfinished mortgage loans. Mortgage of existing buildings means that borrowers borrow money to buy existing buildings and use the purchased existing buildings as collateral. The mortgage of uncompleted flats is a mortgage loan provided by financial institutions to buyers who purchase uncompleted flats (buildings that are pre-sold in whole, in layers or units before completion) according to the purchase contract, with the borrower's rights as collateral.
Extended data
The specific procedures for property buyers to apply for real estate mortgage are as follows:
(1) Buyers who want to get real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan.
(3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.