The minimum down payment is only 20%, and the financial credit is very strong.
In the "Implementation Opinions", it is proposed to strengthen the support of commercial banks for personal housing loans, and the down payment ratio for the first set of ordinary housing loans is 20%. On the basis of implementing the benchmark interest rate, commercial banks are encouraged to further reduce the loan interest rate. Compared with the down payment ratio of 30% in the "Ten Articles" issued last year, it can be said that it is even more powerful.
We visited and found that some banks have implemented the loan policy of 20% down payment for the first home, such as China Agricultural Bank and China CITIC Bank, and many banks are studying and implementing the relevant measures in the implementation opinions to meet the demand of citizens for loans to buy houses.
Regarding the identification standard of the first suite, the "Implementation Opinions" continued the standard relaxed by the "Tan Ten Articles" last year. For families who own 1 apartment but have settled the corresponding housing loans, they will still implement the first home loan policy when purchasing ordinary commercial housing again; For families who own a house but the corresponding housing loan is not settled, the loan support for buying a second suite is stronger, with the minimum down payment of only 30% and the benchmark interest rate, while the down payment for a second suite in Tanshitiao is 40%.
Insiders pointed out that the promulgation of the "Implementation Opinions" has indeed provided good housing conditions for just-needed buyers and just-needed buyers, which has reduced the cost of housing purchase to a certain extent and is very powerful for stimulating housing purchase.
Pushing the loan provident fund to benefit the people is more powerful.
Portfolio loan refers to the form that a borrower applies for a loan from a commercial bank when buying a house because the loan amount of the housing provident fund is insufficient, that is, the provident fund center and the commercial bank jointly issue loans to the borrower. The reporter learned from the Municipal Housing Provident Fund Center that since July last year, the center has successively established cooperation with Industrial and Commercial Bank of China, China Construction Bank and Huarong Xiangjiang Bank to launch portfolio loans. The total amount of a single portfolio loan does not exceed 80% of the house price. As of March this year, the city has issued 93 portfolio loans.
According to the relevant person in charge of the Municipal Housing Provident Fund Center, after the promulgation of the "Implementation Opinions", the center expanded the scope of portfolio loan cooperation to the purchase of second-hand houses. At the same time, accelerate the study and introduction of specific implementation rules for migrant workers to deposit and withdraw provident fund, improve the ability to pay for the purchase of provident fund, and help reduce the burden for citizens to realize their dream of living in peace.
It's really awesome for farmers to settle down and borrow money from ABC to help them.
The "Implementation Opinions" also require commercial banks to increase credit support for rural migrants to purchase new commercial housing in cities, and propose to further innovate products with reference to the down payment ratio and preferential interest rate of individual housing loans for farmers launched by the Agricultural Bank.
It is understood that at the beginning of this year, the Provincial Department of Housing and Urban-Rural Development and the Agricultural Bank of China Hunan Branch jointly issued the document Xiang 20 163 1, which launched a credit product to support farmers to buy houses in cities-farmers' house purchase loans. For the agricultural population and farmers who have obtained urban household registration less than 1 year (including 1 year), the down payment ratio of farmers' house purchase loans is In addition, considering the irregular income of farmers, they can choose the repayment frequency of monthly, quarterly and semi-annual independently, and those who repay in advance are also exempt from liquidated damages.
Mr. Tang, who lives in the town, has always wanted to buy a suite in Bantang, which is close to Xiangfang Primary School and convenient for children to go to school. The house is fancy, and there are still some gaps in funds. After learning about the "farm loan" this year, he submitted a mortgage application with his household registration book, ID card and bank running water. He said, "Farmers' housing loans provide convenience for farmers who have no fixed monthly income to borrow money to buy houses, and also accelerate the pace of farmers entering the city. "
Tan, vice president of Xiangtan Branch of Agricultural Bank of China, said that farmers' housing loan is the first individual housing loan product for farmers in China, which is favored by farmers' friends because of its relatively low entry threshold and flexible repayment period. At present, 37 buildings in the urban area of our city have reached cooperation with the Agricultural Bank to provide loans for farmers to buy houses in cities.
In addition, the "Implementation Opinions" also proposes to establish and improve the credit risk sharing mechanism for agricultural transfer population to purchase houses in cities. At present, the city housing property right guarantee company is negotiating cooperation with Xiangtan Branch of Agricultural Bank of China, actively providing guarantee services for the purchase of houses by agricultural transfer population, helping farmers to buy houses in cities, and helping agricultural transfer population to solve problems related to living, living and schooling in cities through special loan business, so as to provide strong support for promoting the urbanization process of our city and improving people's quality of life.