If the housing loan (including the first-hand building and the second-hand building)/down payment ratio is handled through our bank, the provisions are as follows:
1. For the first suite, the minimum ratio is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction")
2. For the second suite, the minimum ratio is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
The longest loan/credit period for second-hand buildings is not more than 30 years, and the building age of the shopping industry (referring to the completion period of the property) is generally not more than 20 years. The longest loan period plus the building age of the mortgaged property is not more than 40 years in principle.
The specific time limit for your application shall be determined by the handling bank after you submit relevant information.
202 1 what are the requirements for buying a second-hand house in Guangzhou?
1, Guangzhou household registration has only one house or no house under the married name. If a single person has no room, he can buy one set in Guangzhou, and at most two sets in Guangzhou.
2. Non-Guangzhou household registration has purchased social security or paid personal income tax in Guangzhou for more than five years. If the payment is suspended during the period, it needs to be recalculated according to the payment date, and it will be five years before the delivery is qualified. There is no house in the buyer's name to buy a suite.
3 to apply for a loan, the loan period plus age shall not exceed the statutory retirement age. These Provisions apply to Guangzhou household registration and non-Guangzhou household registration.
Third, Guangzhou's new second-hand housing loan policy
Second-hand housing mortgage loan process: 1. Buyers and sellers bring relevant materials, then apply for a loan at the bank and fill out the application form. 2. The real estate appraisal agency evaluates the houses traded. 3. The bank approves the loan, and approves the loan amount and term according to the housing evaluation results. 4. After approval, the buyer pays the down payment, goes through the transfer formalities and signs the loan contract. 5. Go through mortgage registration, insurance and other formalities, and lend money from the bank. Second-hand housing mortgage loans generally take 25 to 30 working days to complete. Pay attention to the second-hand housing mortgage loan: 1. When buying a second-hand house, pay attention to whether there is a real estate license. If not, you can't borrow it. For people with high income, you can choose fixed interest, because you can't accept the impact of future interest rate hikes. However, if the job is stable and the income is not high, it is recommended to choose floating interest rate. 3. When making a loan, the bank will ask the borrower to show proof of income, and if it meets the requirements, the bank will give approval. Legal basis: Article 34 of the Law of People's Republic of China (PRC) Commercial Bank, commercial banks conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies. Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval. Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
Fourth, the new policy of second-hand housing loan 202 1
202 1
1, and the age of second-hand houses cannot exceed 12 years; The second-hand house has been used for more than 30 years; Second-hand housing valuation is low, and you can't apply for a mortgage; Some banks have put forward huxing requirements for second-hand houses, and small-sized second-hand houses will not be able to apply for mortgages. Judging from the statements issued by several banks, in fact, the suspension of second-hand housing loans is only an individual case in some areas, and it is a suspension, not a direct application. For example, Guangzhou, Shenzhen, Huizhou and other places will temporarily adjust the second-hand mortgage, that is, suspend lending, because there are too many people applying for loans, and the bank quota is tightening. When the follow-up quota is sufficient, it will still be restored.
Suddenly, the waiting time is longer, about 1-2 months, while the second-hand house involves many processes, and the corresponding time will be longer, so users need patience. Therefore, users are advised to maintain their personal qualifications and credit while waiting for mortgage loans, and there can be no decline in repayment ability or repayment credit, otherwise it will have a negative impact. This year, the qualification and approval of mortgage loans will be stricter. Behind these things, our supervision is stripping the real demand from each line segment. After reviewing the loan qualification and lengthening the lending process, the transaction volume of second-hand houses is bound to decline. In this way, the market fever soon came down and house prices became more stable.
3, and just needed, a welfare. If the second-hand applicant under the applicant's name can no longer apply for second-hand mortgage, it will be abnormal until the mortgaged house is lifted. According to the relevant regulations, the age of second-hand houses cannot exceed 12 years, and the sum of the service life of second-hand houses and the loan life is relatively large. The application for second-hand mortgages is too low to meet the loan quota requirements, so the bank will not approve them. After all, banks are profitable. If the lender is unable to repay the loan, the bank can auction the house to recover the loan.
If the value of the house itself is not high, then the bank will not do business at a loss. There is also a second-hand housing with affordable housing, such as affordable housing. If you buy it, you will not approve the second-hand mortgage. The last situation is that you can't apply for a second-hand mortgage, that is, the applicant's second-hand house has a special nature such as a house. Of course, this kind of house can't apply for a bank mortgage.