According to statistics, tightening mortgage loans after the holidays has become common sense among banks across the country, and mortgage interest rates in many hot cities across the country have increased to varying degrees. So is it still appropriate to take out a loan to buy a house now? How to issue the income certificate required for loan application?

For most people, once they choose to buy a house, a loan has almost become one of the necessary conditions, and the tightness of the loan policy determines how much house can be leveraged. According to statistics, tightening mortgage loans after the holidays has become common sense among banks across the country. Mortgage interest rates have increased to varying degrees in many hot cities across the country. So is it still appropriate to take out a loan to buy a house now? How to issue the income certificate required for loan application?

Last year’s 930 New Deal introduced a new definition of home subscription and loan subscription. For home buyers who do not have a house or a loan, the down payment for the first ordinary owner-occupied house should not be less than 35%, and the down payment for the non-first ordinary owner-occupied house should not be less than 40%; for those who have owned a house before buying a house, regardless of whether If there is a loan record, it is considered to be a second home. The minimum down payment for ordinary owner-occupied houses is 50%, and the minimum down payment for non-ordinary owner-occupied houses is 70%.

In terms of interest rates, the current bank benchmark interest rate is 4.9. Many banks have raised the first-time home discount from the previous 15% discount to 10% off, which is equivalent to 4.41 after the discount, while the second-home home interest rate has been uniformly increased by 10%. . It is not difficult to see that the current loan policies have become stricter, and the loan terms of some banks have also been shortened to a maximum of 25 years, which has now been implemented.

Is a home purchase loan suitable?

In fact, whether it is appropriate to buy a house with a loan mainly depends on two indicators: one is the strictness of approving the house and loan, and the other is the preferential interest rate for the first home.

Experts pointed out that after last year’s “9·30” policy increased the down payment ratio, the loan period for second homes has been shortened this time. While the total loan amount remains unchanged, the monthly payment will undoubtedly be increased. The supply pressure directly affects the psychological expectations of home buyers when buying a house. However, the current deleveraging action is still relatively mild and will not have a direct impact on trading volume. On the one hand, the loan term is affected by both the age of the home buyer and the age of the house, so not many people in the market actually apply for a 30-year loan. On the other hand, in the current market, people who want to improve their home ownership are still the main force in transactions. This group of people generally have strong purchasing power. Although the monthly loan repayment amount has increased, the loan period has been shortened and the total interest expenses have also been saved a lot. Therefore, The real impact on home buyers is not great.

How to issue proof of income from buying a house?

1. Proof of income from buying a house should include:

1. Information about the person being certified;

2. Write clearly the personal income status

4. Write clearly the person in charge to facilitate verification by the other party;

5. Write clearly Year, month and day, unit and department name, stamped with special seal.

2. Things to note when submitting an income certificate for buying a house:

1. Pay attention to the format when issuing an income certificate.

2. The income certificate must be stamped with a "fresh seal", and photocopies are invalid.

3. The seal should be the financial seal or official seal of the unit, and it must be a round seal.

4. False "income certificate" means that the employer issues income certificates for its employees or non-employee personnel that are inconsistent with the actual situation. It is an unethical act of fraud and will bring huge risks to the home buyers themselves. If the bank finally sees through the situation and fails to pass the inspection, it will be a breach of contract if the home buyer asks to check out; on the other hand, he or she will be under great pressure to repay the loan and will eventually be unable to pay the monthly payment, and the risk will be borne entirely by the home buyer himself.

(The above answer was published on 2017-02-21, please refer to the actual relevant current home purchase policies)

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