20 13 introduction to the purchase of price-limited houses in Tianjin
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2. When buying a house for the first time, the down payment is not less than 30% for the first loan, and the down payment is not less than 20% for the provident fund loan of less than 90 square meters. At present, the benchmark interest rate for commercial loans over five years is 6.55, and the benchmark interest rate for provident fund loans over five years is 4.5. If you have a provident fund, you can choose a provident fund loan, which can save a lot of interest. After the transaction is successful, you can also withdraw the provident fund from the account, or repay it in advance or use it for other purposes. The longest loan period is 30 years.
3. In this regard, it should be noted that the portfolio loan you mentioned means that the provident fund is fully loaned first, and the insufficient part is supplemented by commercial loans. I checked, Tianjin provident fund is so stipulated: employees pay housing provident fund normally, and the maximum loan amount is 400 thousand. At the same time, if they use the spouse housing provident fund, the maximum loan amount is 600,000 yuan. If employees pay the supplementary housing provident fund (or monthly housing subsidy) normally at the same time, the maximum loan amount for a single person is 500,000 yuan, and the maximum loan amount for a spouse is 700,000 yuan. This is an effective solution for buyers, but it needs to be noted that it takes a long time to lend the combined loan to the landlord, about 3-4 months, so the seller has to accept the combined loan. If the landlord doesn't agree, you can only choose commercial loans.
The new marriage law stipulates that the house purchased after marriage belongs to the husband and wife * * * unless otherwise agreed. Even if a person's name is written on the real estate license, it is also the property of husband and wife.
Please ask questions if you have any questions.