Whether it is a commercial loan or a provident fund loan, the online signing time determines whether the purchaser will implement the new policy or the old policy.
Let's give an example:
1. For example, this year, Chongqing Housing Provident Fund Center stipulated that the policy of recognizing houses and loans will be implemented from May 9. If you have one or more houses or one or more housing loan records, buying a house is not the first set.
If Xiao Li has a house under his name, and he intends to use the provident fund to buy another house and complete the online signing before May 9, then the second house he bought can still enjoy the discount of the first suite.
It should be noted that banks also have a reaction process to the adjustment of mortgage interest rates. For example, the mortgage interest rate in Beijing has been unified to 10% this year, and the big policy has been announced. However, the bank will not implement the new policy until the head office formally notifies it below. Therefore, sometimes, some property buyers can still enjoy the preferential policies of the old policy in the early days of the New Deal.
Knowledge point 2: the online signing price, guiding price, second-hand housing evaluation price and transfer guiding price are different.
Online signing price: refers to the housing price recorded and publicized on the website of the local housing construction Committee. This price cannot be lower than the regional transfer guidance price (which will be introduced below), and the online signing price can reach 90%-95% of the contract price.
Transaction price: the amount of house payment actually paid by the buyer to the seller, that is, the house payment (contract price) specified in the house purchase contract.
Appraisal price of second-hand house: refers to the house price that the bank asks the appraisal agency to appraise when the second-hand house is traded. Considering the risk, the evaluation price is generally slightly lower than the transaction price. The appraisal price determines the loan amount for house purchase, and the commercial loan amount = appraisal price ×70%.
Transfer guidance price: The transfer guidance price is determined by many comprehensive factors such as the design purpose of the house and the year of building, and is the benchmark price for paying taxes and fees in second-hand housing transactions.
The transfer guidance prices are different in different regions, different communities in the same region and different floors in the same community. The transfer guidance price has not only a lower limit, but also an upper limit. If it exceeds the upper limit, no matter how big the transaction area is, it will be regarded as an ordinary house and will pay a lot of taxes and fees. Consult the local housing management department for details.
Let's give an example:
Mr. Wang took a fancy to a house in Haidian District, Beijing, with a housing area of 60㎡, with a price of 2 million yuan and 5 sets of full payment. The final transaction price is 2 million yuan (contract price), and the buyer buys it in full.
According to the national regulations, the tax and transfer price of the house is 20,000 ㎡ (transfer guide price), and the final price of the house in the housing authority system is 60× 20,000 =1.20,000 (online signing price). Finally, the tax will be paid at the price of 1.2 million, and only the deed tax of 1% is required.
Knowledge point 3: If you repay the loan in advance by shortening the loan period, you need to sign a new contract.
There are two main ways to repay the mortgage in advance: full payment and partial payment in advance.
In some cities, with high housing prices and large loans, few people can pay off the loans in full, so most people will choose to repay the loans in advance.
Partial prepayment can be divided into two types: shortening the loan period and keeping the monthly repayment amount unchanged; Reduce the monthly repayment amount and keep the loan life unchanged.
Choosing the way of shortening the loan life can save interest, but the disadvantage is that the loan contract needs to be re-signed for the remaining loans in advance.
Let's give an example:
The loan is 6,543,800 yuan, of which 300,000 yuan has been repaid and 700,000 yuan has not been repaid. If you want to apply for prepayment of 200,000 yuan and choose to shorten the loan period, after repayment of 200,000 yuan, the remaining 500,000 yuan will be re-signed with the bank.
It should be noted that the remaining loans were implemented according to the mortgage interest rate, the credit policy was tightened in 20 17, and interest rate concessions in many hot cities plummeted. The previous interest rate was 8.5%, but now it is 9.5% or even the benchmark interest rate.
In addition, the bank will re-evaluate the personal qualifications of borrowers, and some lenders have credit problems during the repayment period, which will affect the subsequent repayment.
Knowledge point 4: Parents buying houses in the name of minor children are also subject to policy restrictions.
Evaluate whether the first suite or the second suite is a family unit, the children are underage, as guardians, parents and children belong to the same family, and there is a house under the father's name, that is, buying a house under the son's name is also regarded as the second suite.
In addition, banks will check the properties under the names of minor children when approving loans. If parents transfer the property to their minor children and buy a house in the name of no room, it will also be recognized as a second suite.
(The above answers were published on 20 17-05-27. Please refer to the current actual purchase policy. )
Click to view more real estate information.