If you plan to choose a house in Tengzhou, how much is the down payment for a 400,000 house? How much is the monthly payment?
The current high housing prices have discouraged many people who just need it. Nowadays, many people have the need to choose a house, but they are unable to choose a house in full, so people choose mortgage loans to choose a house. Because the loan policies in different provinces are different, it is necessary to master the local real estate policies, because only in this way can the funds on hand be arranged reasonably and used correctly. If you plan to choose a house in Tengzhou, how much is the down payment for a 400,000 house? How much is the monthly payment? Let me show you the relevant information below!
For the purchase of the first suite, the down payment ratio of commercial loans shall not be less than 30% of the total house price, that is, 40000030%=280000 yuan, and the longest loan period shall be 30 years; Provident fund loans, the loan ratio can reach 80%, the maximum loan amount is 600 thousand yuan, and the longest loan period is 30 years.
If it is a second suite, it shall not be less than 50% of the assessed house price, that is to say, to buy a house with a total house price of 400,000 yuan, the down payment needs 400000005% = 200,000 yuan; If the provident fund loans the second suite, the maximum loan amount is 600,000.
Regarding the down payment and monthly payment of Tengzhou house selection, if you plan to buy a 400,000 house in Tengzhou, you should make adequate financial preparations. The down payment is also a big expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of Tengzhou housing loan I provided for you. I hope it will help you!
Second, Tengzhou housing provident fund loan amount?
Couples can borrow 500 thousand. The loan period depends on their age and how long it will take before you retire. Those who retire at the age of 60 can be extended for five years.
How much can I borrow for a 400,000 house?
The maximum loan amount is 70% of the house price, that is, 280,000.
Loans are divided into commercial loans and provident fund loans with different interest rates. The interest rate of provident fund loans is low, but the qualifications of lenders are strictly examined. The specific interest rate can be consulted by the local provident fund management center or bank.
There are two ways to repay loans: average capital and equal principal and interest. In the two repayment methods, the average repayment amount of funds will decrease, but the capital utilization rate is high, and the monthly repayment amount of equal principal and interest is the same, but the capital utilization rate is low, which is unfavorable to the lender. If you try to choose average capital repayment method, the total interest will be low.
Fourth, the problem of housing personal provident fund loans in Zaozhuang, Shandong? /////Hurry up! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! 1 1
Detailed Rules for the Implementation of Individual Housing Provident Fund Loans in Zaozhuang City Chapter I General Provisions Article 1 In order to ensure the safety of funds, strengthen the management of individual housing provident fund loans, optimize the loan process and standardize the operation of loan business, according to the relevant policies and regulations of the Measures for the Administration of Public and Individual Housing Provident Fund Loans (Trial) of the State Council municipality directly under the Central Government, combined with the actual situation of our city, these detailed rules are applicable to Zaozhuang Housing Provident Fund Management Center and its subordinate management departments and sub-centers (hereinafter referred to as employees, spouses, borrowers and guarantors). The individual housing provident fund loans (hereinafter referred to as loans) as mentioned in these Detailed Rules refer to loans with housing provident fund as the source of funds when the housing provident fund is paid in full and on time according to the housing regulations, or when parents or children buy houses with ownership, the purchased houses or other houses with ownership are used as collateral, or the principal and interest of the loans are paid off jointly. Article 3 Loan information includes loan amount, term and interest rate, loan acceptance, loan investigation, loan review, loan approval, loan issuance, loan recovery and post-loan management. Chapter II Conditions for Loans Article 4 The downtown area shall provide quality services to individual employees applying for loans through publicity, and help and guide the safety of loan applicants in a correct and simple way. The owner of the loan should be a self-owned urban resident with full capacity for civil conduct, and the borrower has a fixed occupation and income, good credit and the ability to repay the principal and interest on schedule. 4. The borrower and his unit have established a normal housing provident fund deposit relationship with the city center, with the deposit ratio of not less than 5% each, and paid the housing provident fund in full and on time for more than 12 months. Housing provident fund should be in the place where the owner or spouse is the owner of the purchased house, and the purchased house is commercial housing, affordable housing, housing raised by the unit and second-hand housing, and the individual can build and renovate it independently, and the last deposit time is not from the date of applying for a loan. 6. If the borrower is unmarried, divorced or his spouse fails to pay the housing provident fund, and the amount of the loan applied for exceeds 10 times the balance of the borrower's and his spouse's housing provident fund account, the borrower may apply for an increase in the city center, and * * * can be combined with the existing balance of the borrower's housing provident fund. * * * Same, it should be approved by the city center and meet the basic conditions of the borrower. Article 5 Where a loan is made, or a loan is made for another person, it shall be applied as the same repayment person or for another person. If the same borrower applies for a loan to buy a house many times in the same year, it will not be supported. For borrowers who are in arrears with housing provident fund for more than 6 months, have insufficient repayment ability, have poor personal credit records, provide false purchase contracts, provide guarantees that do not meet the requirements, and have applied for loans of 70% of the purchase price in commercial banks, the city center will not accept loan applications. To inquire about personal credit, you need to fill in the Personal Credit Report Inquiry Application Form (attached table 1). Chapter III Loan Materials Article 6 Any borrower who meets the loan conditions shall provide the following materials to the city center: 1. Two copies of the Borrower's Income Certificate (including the Borrower's Spouse's Income Certificate) (Attached Table 2) stamped by the financial department of the borrower's husband and wife unit; Two copies of valid resident identity cards or other valid residence certificates of both spouses of the borrower, and send a copy to the income certificate of the borrower and spouse. Two copies of the household registration card in the household registration book of both husband and wife of the borrower. Three, two copies of the borrower's marital status certificate. (4) Real and legal house purchase contract or other valid documents recognized by the city center: (1) For the purchase of commercial housing and affordable housing, the original and two copies of the commercial housing sales contract jointly supervised by the municipal construction department and the industrial and commercial department shall be provided. (two) the purchase of second-hand housing, the need to provide real estate sales contract and transfer related invoices and two copies of the original. (3) If the unit raises funds to build a house, it is required to provide the construction planning certificate, the land use certificate, the construction contract and budget certificate signed by the unit and the developer, and the original and photocopy of the roster of employees of the unit. (four) the purchase of housing reform, the housing reform office issued by the housing reform approval form and payment receipt and two copies of the original. (five) to move back to the house, provide the original and two copies of the house demolition contract (agreement) and the receipt of the difference. (six) individuals building or rebuilding houses in cities and towns need to provide the planning certificate approved by the construction planning department, the original and photocopy of the contract signed by the individual and the construction unit, and the budget certificate; Individuals building houses in rural areas need to provide the original and two copies of the homestead building certificate and budget certificate approved by the relevant government departments. 5. The Borrower shall provide a valid payment voucher of not less than 30% of the purchase price and two copies. Six, personal credit guarantee, provide the "housing provident fund loan guarantee" with the financial seal of the guarantor unit (Annex III) in triplicate. Seven, guaranteed by the guarantee company, by the guarantee company before the loan approval, directly to the city center to provide "personal housing provident fund loan mortgage guarantee" (Table 4) in duplicate; Eight, * * * repayment should be approved by the city center, meet certain conditions, need to provide my ID card, a copy of the household registration certificate to the city center, and at the same time submit my signature, stamped with the financial seal of the unit "* * * repayment income certificate, joint and several liability certificate" (Table 5) in duplicate; One copy of the materials provided by the borrower is kept in the city center and the other is entrusted to the bank; If a guarantee company is adopted, the materials provided by the borrower shall be copied to the guarantee company. Chapter IV Loan Amount, Term and Interest Rate Article 7 The maximum loan amount is 200,000 yuan. The specific amount is calculated and determined according to the borrower's application amount and quota standard, and the following quota standards shall be met at the same time: 1. The loan amount of the borrower shall not exceed 70% of the total purchase price, and the loan amount shall be calculated according to the actual living area of the purchaser; 2. The loan amount of the borrower shall not be higher than 10 times of the balance of the existing housing provident fund account of both husband and wife (including * * * the same borrower); 3. The loan amount of the borrower shall not exceed the guarantee amount of the guarantee company or the total amount of housing accumulation fund paid by the borrower, his spouse, repayment partner and guarantor within the loan period. Article 8 The loan term is 1-20 years. Calculate the loan term according to the repayment ability of the applicant, and the monthly repayment amount shall not exceed 50% of the monthly income of both husband and wife (including * * * and * * *, the same below) and not be less than 30% of the monthly income of both husband and wife. The sum of the loan term and the borrower's age shall not exceed the statutory retirement age of the borrower, the repayment person and the guarantor for 5 years. Article 9 The loan interest rate shall be subject to the interest rate stipulated by the People's Bank of China. At present, the annual interest rate is: loan term 1-5 years 4.59%, 6-20 years 5.04%. In case of interest rate adjustment during the repayment period, except for 1 year, the new interest rate standard will be implemented in the following year 1. Chapter V Acceptance of Loans Article 10 Within 10 working days after receiving the borrower's application materials, the city center will carry out its work according to the two-level examination and approval and centralized examination and approval system. The staff in charge of loans in the city center (hereinafter referred to as loan officers) shall conduct a preliminary examination of the loan application materials and related documents submitted by loan applicants, focusing on whether the documents, materials and guarantees are complete and effective, and whether the materials are true and legal. Establish a registration system for loan applicants, fill in the Application Form for Personal Housing Provident Fund Loan (Table 6), and register the basic information of loan applicants, spouses, borrowers, house purchase and housing conditions, and guarantee methods in detail. Eleventh borrowers choose housing guarantee company guarantee or personal credit guarantee, must be determined by the city guarantee center. 1. If the guarantee company is adopted, the guarantee company will issue the Letter of Guarantee for Personal Housing Provident Fund Loan, and the existing balance of the housing provident fund of the borrower and spouse (* * * with the repayment person) must reach 10% of the loan amount, and the part exceeding the specified proportion can be withdrawn before and after the loan. The borrower shall fill in the Application Form for Withdrawing Housing Provident Fund before and after the loan (Annex 7) in quadruplicate. 2. If personal credit guarantee is adopted, the guarantor shall provide the Housing Provident Fund Loan Guarantee, and the sum of the existing balance of the housing provident fund of the borrower, spouse (* * * with repayment) and guarantor must reach 30% of the loan amount, and the sum of the deposit amount and the existing balance of the housing provident fund of the borrower, spouse (* * * with repayment) and guarantor shall not be lower than the loan amount during the loan period. Chapter VI Loan Investigation Article 12 In the loan investigation of downtown loan officers, the loan investigation can be conducted in various ways, such as interviewing loan applicants, telephone interviews, on-the-spot investigations, social understanding, and inquiring about the credit information system of the People's Bank of China. (1) When the borrower purchases the house of a real estate development company, the city center shall investigate and review the credit status of the developer and the project. 1, the legitimacy of the real estate development company; 2, residential construction projects should have state-owned land use permits, construction planning permits, commercial housing sales (pre-sale) permits. (two) to investigate whether the location of the house provided by the purchase contract is consistent with the actual location of the borrower, and whether the payment voucher is legal and true. 2. Personal credit borrowers, spouses, * * borrowers and guarantors who have bad records in the personal credit information system will not be supported. Three. Guarantor Investigation Guarantor must have a fixed occupation and a stable income, and pay the housing provident fund normally in the downtown area. I have no guarantee of housing provident fund loan or others' provident fund loan, and I am able and willing to bear joint liability for the borrower's repayment of loan principal and interest. The investigation of the guarantor's reputation, identity, qualification and guarantee ability can be carried out by telephone consultation, social understanding, interview and inquiry in the credit information system. Four. The guarantee company investigates whether the rights of the property to be mortgaged conform to the provisions of the Guarantee Law of People's Republic of China (PRC), confirms the ownership certificate of the mortgaged property and the certificate that the authorized person agrees to mortgage, and designates the guarantee company to handle the mortgage guarantee procedures. The city center should supervise the daily operation and financial status of the guarantee company, and the guarantee company should submit financial statements and explanations to the city center every month to ensure that the guarantees provided are legal, compliant and effective and that the loan funds are safe. Five, the investigation of the borrower's repayment ability, should be based on the borrower's husband and wife or the same borrower's occupation, age, length of service, monthly income level, combined with the loan amount and duration. Thirteenth through the investigation, the loan officer should sort out and analyze the investigation results, put forward clear opinions, fill in the "individual housing provident fund loan investigation and approval form" (Table 8), and forward it to the auditors for review. Chapter VII Loan Audit Article 14 The person in charge of the loan department at the city level shall be responsible for the audit, and the person in charge of the management department and sub-centers shall be responsible for the audit. Mainly review whether the materials and guarantees submitted by the borrower are sufficient, effective, true and legal, and whether the documents are complete and complete. The materials submitted by the management department shall be reviewed by the downtown loan department. Fifteenth within the specified time, after the audit is completed, the loan officer will fill in the loan approval summary table (Table 9) and submit it for approval according to the specified procedures. Chapter VIII Loan Approval Article 16 The urban individual loan approval committee (hereinafter referred to as the loan review committee) is responsible for the loan approval once every two weeks. Examination and approval procedures: two days before the loan review meeting, each management department will submit the relevant loan application materials to the central loan department for examination and approval, and then submit them to the loan review meeting for examination and approval; After listening carefully to the reports of the loan department, the management department and the municipal sub-center on the purchase and guarantee of each borrower, the members of the loan review Committee will sign their opinions and report them to the director in charge and the director for approval. Tengzhou Sub-center conducts self-examination and review, and prepares a summary approval form and submits it to the loan department of the center, and submits it to the loan review meeting for approval. The loan review Committee will sign an opinion and report it to the director in charge and the director for approval. Article 17 The loan officer shall make good preparations before the loan is issued according to the examination and approval opinions: 1. A copy of the "Summary of Loan Examination and Approval" signed by the loan examination committee and the director shall be forwarded to the accounting department, which shall arrange the loan funds. 2. If the housing provident fund account of the borrower's couple, repayment and guarantor is frozen, and other management departments or sub-centers are involved, a Notice of Freeze shall be issued (attached table 10). Iii. Issue a "loan entrustment notice" (attached table 1 1), specifying the name, address, loan object, amount, term, effective time for handling the loan, etc. , ready to issue loans to the entrusted bank. Chapter IX Loan Issuance Article 18 If the loan is approved according to the prescribed procedures, the loan officer shall issue a "loan entrustment notice" to the entrusted handling bank and a notice of approval to the applicant; At the same time, if the loan is not approved or does not fully meet the loan conditions, the loan officer will explain the reasons to the applicant. The entrusted bank is responsible for issuing loans. The entrusted bank shall sign the loan contract and guarantee contract with the borrower according to the "loan entrustment notice" issued by the city center. After signing the contract, apply for loan funds from the city center and transfer the loan approval amount to the borrower's account. The entrusted bank shall complete the loan in accordance with the relevant provisions of the state within 5 working days, and strengthen the management of housing provident fund loans as self-operated loans. If the borrower fails to sign the Loan Contract with the entrusted bank within one month after the issuance of the Loan Entrustment Notice from the downtown, it will be deemed as an automatic waiver of the loan.