After the introduction of the government, the adjustment of the amount and scope of use of the provident fund has made many buyers pay more attention to their own provident fund. The agent of an intermediary store in Beijing said that the number of buyers who have recently consulted whether they can use the provident fund has increased significantly. According to the statistics of "Jia Wei Anjie", the transaction volume of Beijing provident fund loans increased by 20% in the first half of June. More people use the provident fund, and some questions about the provident fund have also arisen. After several rounds of policy adjustment, how does the provident fund identify the second suite? What is the difference in the down payment ratio and interest rate between the use of provident fund and commercial loans in the second suite? Experts remind that at present, there are some differences between provident fund loans and commercial loans in the identification of second homes. The provident fund "recognizes the house but does not recognize the loan", and the commercial loan "recognizes the loan and does not recognize the house".
There are two sets of housing accumulation funds in the name.
1. 1 times interest rate is still lower than that of commercial loans.
After the recent interest rate cut, many people have the idea of moving provident fund, and Ms. Wu is one of them. However, after buying a house once, the loan has been settled. One of the "930 New Deal", like her situation, how to judge the bank that buys a house. At that time, Ms. Wu got the answer that according to the latest policy, she bought a house with a bank loan, and she could already be recognized as the first suite and enjoy the loan for the first suite.
After the introduction of the new provident fund policy, Ms. Wu wants to use the provident fund to buy a house again and hopes to borrow from the provident fund management center. Later, she found that in her case, she could only borrow 800,000 yuan at most, the minimum down payment ratio was 30%, and the provident fund loan interest rate was 1. 1 times.
"Wei's current commercial loan policy is to' recognize loans and not recognize houses'. As long as the loan under the name of the buyer is paid off, buying a house again can be counted as the first suite and housing. As long as there is no loan record, buying a house again is still the first suite, and the down payment ratio is 30%. Moreover, the bank can give 8.8% or 10% interest rate concessions to those who buy the first suite and have good personal qualifications. The judgment standard of provident fund loans is "recognizing the house but not the loan". If there is an unsold house in the name, it will be counted as a second suite according to the current policy, with the down payment ratio of 30% and the interest rate floating 1. 1 times.
It should be reminded that although Ms. Wu's situation is recognized as a second suite, the interest rate of provident fund loan 1. 1 times is 4. 125%, which is nearly yuan lower than the 10% interest rate of commercial loans, and it is more cost-effective to use provident fund loans.
Is the first set calculated according to the loan time?
The installment down payment method can be cancelled.
Different from Ms. Wu, the amount of provident fund loan of 6.5438+0.2 million yuan is not enough for Mr. Li, an improved home buyer. The new policy of provident fund had little influence on him, but after "930", the identification of the first suite of commercial loans helped him a lot.
At the beginning of September last year, Mr. Li bought a house in a new site in the North Fifth Ring Road, with a total price of 6.4 million yuan. At that time, he was only qualified to buy a second suite. He chose the down payment installment discount provided by the developer and agreed in advance to pay the remaining 40% before the end of August this year. Recently, due to the construction progress of Mr. Li's house, the loan time may be advanced. If Mr. Li still chooses 70% down payment, he needs to pay the remaining down payment in the near future and apply for a loan. If the down payment of the previous house has been paid off, then the down payment can be in the form of the first suite, and there is no need to pay it again.
Mr. Li's consulting bank is indeed eligible for the first home loan, because the bank's determination of whether it is the first home is based on the date of loan submission. With him, since the implementation of the "930 policy", he has hardly applied for a second home loan, and most of his customers bought it as the first set.
In the first half of June, the transaction volume of provident fund was month-on-month.
Since June 1, the enthusiasm of buyers who entered the market with provident fund loans has been significantly improved. According to the lending institution "Jia Wei Anjie", the loan transaction volume increased by 20% year-on-year. Wu Hao pointed out that the first and second sets of provident fund loans were judged by "recognizing the house but not the loan", which allowed many people who were originally classified as "two sets" by the policy to be lifted. In addition, the cancellation of the per capita housing area of 90 square meters for the first suite and 3 1.3 square meters for the second suite has also given a green light to many people who can't buy a house, prompting many buyers to buy a house by the policy of "Dongfeng", resulting in a slight increase in transaction volume.
Wu Hao also analyzed that from the overall purchase crowd and the market crowd, the first-time home buyers accounted for the main body of the transaction. She said that although the down payment ratio of the second home in the new provident fund policy was adjusted from 60%-70% to 30%, which benefited the second home buyers more, the maximum amount of the second home was only 800,000, and many second home buyers chose commercial loans or portfolio loans. On the contrary, first-time buyers use provident fund loans more frequently. Most of these people chose a small apartment with a housing area of 50-80 square meters. Because the total house price is low, the loan amount is mostly between 800,000-10.2 million yuan. Except for the low personal deposits, most buyers have used up the loan amount1.2000 yuan.
In addition, Wu Hao also reminded that compared with the municipal provident fund, there are still some problems needing attention in the use of the state-managed provident fund. For the housechanging group, if they have already used the state-managed provident fund loan, they must wait until the loan is settled for five years before they can use the provident fund again, instead of paying off the provident fund loan again. In addition, if the provident fund loan is not settled, you can no longer use the provident fund to buy a house.
(The above answers were published on 20 15-06-28. Please refer to the actual situation for the current purchase policy. )
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Second, when buying a house with a commercial loan, is it based on the assumption that the first suite is both a house and a loan?
Your current situation is the second suite, and the interest rate will go up 10%. Now the standard for identifying the second suite is to recognize both the house and the loan. Provident fund loans are also considered loans. The first set of loans has been sold, not counting.
3. Is the commercial loan interest rate in Taizhou also a mortgage?
Not restricted by the policy of recognizing housing and loans, you can apply for housing provident fund loans according to the first set.