When buying a house by loan, the housing provident fund loan has the nature of policy subsidy, and the loan interest rate is very low. When handling mortgage, insurance and other related procedures, the housing provident fund loan fee will be halved. The balance of bank deposits accounts for not less than 30% of the funds needed for housing purchase, which can be used as the down payment for housing purchase. If there are assets recognized by the loan bank as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities, they may apply for bank mortgage loans. The maximum amount of provident fund loans is generally 6.5438+0-290,000 yuan. If it exceeds this limit, the insufficient part should apply to the bank for commercial housing loans.

I individual housing loan conditions

1, with legal identity.

2, a stable economic income, good credit, the ability to repay the loan principal and interest.

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to pay the down payment for the purchased houses.

5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

6. Other conditions stipulated by the lending bank.

Second, what should I pay attention to when buying a house with a mortgage loan?

1. Apply for the loan amount according to your own ability.

2. Choose a good loan bank for mortgage.

3. Choose the repayment method that suits you best.

The information provided to the bank should be true.

5. Provide my address accurately and timely.

6. Repay on time every month to avoid penalty interest.

3. What are the latest policies for the second home loan in 2022?

1. If you bought a suite with a loan before and the loan has not been settled, buying a house is also considered as two sets.

2. There are commercial loan records of two suites in the personal name, one of which has been paid off and the other has not been paid off. At this time, it is considered that refinancing to buy a house is more than two suites.

3. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans before marriage. After marriage, the two want to borrow money in the name of husband and wife. If the loan has been paid off, buying a house can be regarded as the first suite. If the loan has not been paid off, buying a house can be considered as more than two suites.

4. If the buyer is going to get married but hasn't got a marriage certificate, one party has outstanding mortgage, and the other party doesn't have any property and mortgage records. If they buy a new house together, it will be a second suite.

In short, buying a house depends on direct demand. After all, everyone has different ideas. Some people want to invest, others want to live. It can be considered according to the direct actual situation. After all, the currency is expanding, and many people think that the money in their hands is worthless, so they will choose real estate investment.

Legal basis:

Provisions of the new civil code on real estate

Article 27 of the Supreme People's Court's Interpretation on the Application of Marriage and Family in the Civil Code of People's Republic of China (PRC):

If a house rented by one party before marriage and purchased with the same property after marriage is registered in the name of one party, it shall be recognized as the joint property of husband and wife.

Article 29:

Before the parties get married, if the parents contribute money to buy a house for both parties, the contribution shall be regarded as a personal gift to their children, except that the parents clearly indicate that it is a gift to both parties.

After the parties get married, if the parents contribute money to buy houses for both parties, it shall be handled in accordance with the agreement; If there is no agreement or the agreement is unclear, it shall be handled in accordance with the principle stipulated in Item 4, Paragraph 1, Article 1062 of the Civil Code.

Article 32:

Before marriage or during the marriage relationship, the parties agreed to give the property owned by one party to the other party or * * *, and the donor revoked the gift before the registration of the change of the donated property, and the other party requested an order to continue the performance, the people can handle it according to the provisions of Article 658 of the Civil Code.

Article 76:

1. If both parties claim the ownership of the house and agree to bid, it shall be allowed;

2. If one party claims the ownership of the house, the evaluation institution shall evaluate the house according to the market price, and the party that obtains the ownership of the house shall give the other party corresponding compensation;

3. If neither party claims the ownership of the house, the house shall be auctioned or sold according to the application of the parties, and the income shall be divided.

Article 77:

At the time of divorce, both parties have disputes over the house that has not yet obtained ownership or full ownership. If negotiation fails, it is not appropriate for the people to judge the ownership of the house, but the parties should decide according to the actual situation.

After the parties have obtained the full ownership of the house specified in the preceding paragraph, if there is any dispute, they may bring a lawsuit to the people's court separately.

Can I get a loan for the second suite?

Now most young people will choose to buy a wedding room when they get married, and some well-off families plan to buy a second suite. Then the question is, can the second suite be loaned? How to borrow money to buy a second suite? Don't worry, if you are still worried about it, you might as well go and find out with me.

Can I get a loan for the second suite?

The second suite can be loaned. No matter whether the first set is a provident fund loan or a commercial loan, you can apply for a commercial loan to buy a second suite without paying it off, but you can't apply for a housing provident fund loan again. The down payment ratio of households who borrow money to buy a second house must be 60% higher, the loan interest rate must be 1. 1 times the benchmark interest rate, and the annual interest rate of the second house commercial loan with a term of more than 5 years is 7.205%.

How to borrow money to buy a second suite

1. The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract;

2. Eligible buyers apply for loans from loan banks and provide relevant certification materials;

3. The buyer and the seller go to the appraisal institution designated by the loan bank to conduct house appraisal;

4. Relevant departments verify and analyze the borrower's credit certification materials and evaluation reports, and issue legal opinions;

5, the loan bank for approval, and notify the loan applicant whether to agree to the loan;

6. The buyer and the seller go through the formalities of property right transfer, and then the borrower goes to the bank to go through the relevant formalities;

7. The purchaser signs a second-hand housing mortgage loan contract with the loan bank;

8. The buyer and the seller shall submit the transferred house ownership certificate to the loan bank and go through the mortgage registration formalities;

9. After the loan contract comes into effect, the lending bank pays a certain amount of funds according to the loan contract;

10. The borrower repays the loan monthly;

1 1. The borrower pays off the loan principal and interest, and the mortgage guarantee is lifted.

Editor's summary: after reading the above introduction, I believe that everyone has a further understanding of whether the second suite can be loaned and how to borrow money to buy the second suite. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

What is a second home loan?

As a novice homebuyer, the knowledge about the second home loan and the second home loan may not be very clear. But don't worry, I will briefly introduce you to the problem of second home loan.

What is a second home loan?

The second home loan, as its name implies, is a loan that the borrower applies for when buying a second home. The identification of the second suite is based on the family, which recognizes both the house and the loan. Family members with real estate or mortgage records are identified as second suites.

Under what circumstances will it be recognized as a second suite by the bank?

1. If there is a house in the name of parents, buy a house in the name of minor children.

According to the latest policy, family members mainly include borrowers, spouses and minor children, that is, minor children are also included in the family. Therefore, when applying for a loan to buy a house in the name of a minor child, it is implemented according to the second suite policy.

If you own a house as a minor, you can borrow money to buy a house as an adult.

According to the bank's "loan recognition and housing recognition" regulations, if the existing real estate is not sold, the re-loan purchase will be regarded as a second suite, which will be implemented according to the second suite policy. According to the past policy, as long as there is no loan, the minor property does not belong to the second suite when applying for a mortgage.

3. If there is a house bought in full under the name of the individual, then buy a house with a loan.

Previously, it was only "loan recognition", so this situation does not belong to the second suite. But now, "house recognition" has been added. Although loans have been made before, as long as there is a set of real estate under the name of the housing property rights trading system and the existing real estate is not sold to apply for a loan, it will be regarded as a second suite.

4. Individuals have a loan to buy a house, and then use the loan to buy a house after the sale.

The bank recognizes that the second suite is "recognizing the house and recognizing the loan", that is to say, although the property bought by the loan is sold, there is no house under the family name, but because of the previous loan record, the application for mortgage will also be recognized as the second suite.

Editor's summary: After reading the above introduction, I believe everyone has a further understanding of what a second home loan is. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

Latest regulations on second home loan

Second suite identification standard:

First, the number of residential units in commercial personal housing loans should be determined according to the actual number of complete sets of housing units owned by family members who intend to purchase houses (including borrowers, spouses and minor children, the same below).

Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.

If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.

Three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:

(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;

(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;

(3) The lender confirms that the borrower's family already owns a set (or more) of housing through due diligence such as credit record inquiry, face-to-face investigation and interview (home visit when necessary).

IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.

For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.

How much is the down payment for a house loan and a second home loan?

For households who apply for personal commercial loans in China Bank and own 1 apartment in the city where the "purchase restriction" measures are implemented and the corresponding housing loans are not settled, the down payment ratio shall not be less than 40%. The specific down payment ratio will be appropriately adjusted according to the specific conditions of different regions and customers. Please consult local institutions for details.

In cities that do not implement the "purchase restriction" measures, 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 purchase ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.

The People's Bank of China and the China Banking Regulatory Commission require the provincial market interest rate pricing self-discipline mechanism to independently determine the minimum down payment ratio of commercial personal housing loans within its jurisdiction in light of the actual situation of various cities. Therefore, please consult the local outlets for the specific down payment ratio and loan interest rate.

The above contents are for your reference. Please refer to the actual business regulations.