The term "second suite" is familiar to everyone. Can I apply for a housing provident fund loan to buy a second commercial house? Many buyers have some doubts. Thank you for visiting "Loan Policy for Second Home Provident Fund in Hainan Province, Process and Conditions for Buying a House with Provident Fund Loan". The following is the relevant information of previous years, and this description is used temporarily. If there is any change in the specific content, please refer to the announcement of official website.
The second set of housing provident fund loan policy:
First, relax the loan conditions and shorten the deposit time of housing provident fund. Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for housing provident fund personal housing loans. If the housing provident fund is paid in different places and less than 6 months in the city provident fund center, the payment time can be calculated according to the payment certificate issued by the original provident fund center.
2. For families who purchase the first ordinary self-occupied house by loan, the minimum down payment ratio of the loan is 30%. For workers' families who own 1 apartment and have settled the corresponding housing loans, apply for loans again to buy ordinary commercial housing and implement the first home loan policy. For the families of workers who buy the third and above houses, no housing provident fund personal housing loans will be issued. When applying for a loan, the employees who have handled the house purchase and extraction business should provide the family housing certificate issued by the municipal real estate archives to determine the number of housing units owned by the employees' families.
Three, improve the housing provident fund personal housing loan amount, increase the support for employees to buy houses. The maximum loan amount for new commercial housing loans is 800,000 yuan, and the maximum loan amount for second-hand housing loans is 700,000 yuan.
Identification standard and explanation of purchasing "second suite" in Hainan
Hainan's second-home policy follows the basically consistent criteria for identifying second homes, and one of its basic principles is to take the credit information system of the People's Bank of China as the standard.
At present, in the process of confirming the second suite, all banks should check the lender's credit record to see if there is a loan purchase record, so as to confirm whether there is a second suite. This also means that if there is no loan record in the credit record, it can be regarded as the first suite whether it is actually purchased or not. Bank staff said that if you bought a house before, but there is no loan, it will generally be regarded as the first suite; In addition, unless the credit system is established, that is, before 1999, the loan is purchased and paid off, otherwise it will enter the credit record. The reporter visited ICBC, CCB, Bank of Communications and other commercial banks and found that although there are some differences in the operation of each bank, there are still some roughly the same standards.
First, the identification of the second suite is based on the family, and the purchase of a house by either spouse is regarded as a family purchase;
Second, the per capita living area of the family is lower than the local average housing level, and the first home loan has been paid off, so you can enjoy the first home loan policy;
Third, buying a house with a provident fund loan and then applying for a commercial bank loan to buy a house is also a second suite;
Fourth, even if the first home loan has been paid off, the second home purchase still belongs to the second home.
These regulations actually take into account the demand for improved housing purchase to a certain extent.
At present, the real estate registration system is not connected with the bank credit information system, and the bank has no right to view relevant information. Even if access is allowed, banks must obtain relevant materials from the Housing Authority to verify housing information. At present, it is uncertain how to obtain and collect the scope, so it is difficult to implement.
The preferential policies for provident fund loans include that all natural persons who have paid the housing provident fund in full for more than half a year and have full capacity for civil conduct can apply for personal housing provident fund loans, enjoying an annual interest rate of 3.87% (more than five years), which is only 6.5% lower than the benchmark annual interest rate of commercial loans. Haikou City, Sanya City, commercial housing and units to raise funds to build a house each loan amount does not exceed 500 thousand yuan, other cities and counties do not exceed 300 thousand yuan; The maximum amount of second-hand housing loans is 300,000.
Hainan provident fund loans are not recognized, and the down payment ratio of Hainan provident fund second-home loans shall not be less than 50%. Reportedly, the previous Hainan provident fund loan policy did not distinguish between the first, second and third purchases. As long as the previous provident fund loans are settled, the first set of loans will also implement the same policy. The purchase of commercial housing and housing units to raise funds, should pay a down payment of not less than 20% of the total price of the purchased housing; For the purchase of second-hand houses, the down payment shall not be less than 40% of the total price of the houses purchased; Construction, renovation and overhaul of owner-occupied housing, self-raised funds shall not be less than 50% of the cost of construction and overhaul of housing.
Raising the deposit and loan interest rate of housing provident fund: the Ministry of Housing and Urban-Rural Development issued a notice on adjusting the deposit and loan interest rate of housing provident fund. From 20 10 year 10, the deposit interest rate of individual housing provident fund carried over from the previous year will be raised by 0.2 percentage points, from the current 1.7 1% to 1.9 1%. The deposit interest rate of individual housing provident fund collected in that year remains unchanged. Raise the interest rate of individual housing provident fund loans. The interest rates of individual housing provident fund loans for less than five years (including five years) and more than five years are raised by 0. 17 and 0. 18 percentage points respectively. For less than five years (including five years), it will increase from 3.33% to 3.50%, and from 3.87% to 4.05% for more than five years.
From 20 10 year 10 to 20 10 June 20, the loan interest rate of pilot cities for housing provident fund to support affordable housing construction projects will rise by 10% according to the loan interest rate of individual housing provident fund for more than five years, and will be adjusted accordingly with the change of the loan interest rate of individual housing provident fund.
(The above answers were published on 20 13-06- 17. Please refer to the current actual purchase policy. )
For more real estate information, policy interpretation and expert interpretation, click to view.
How much does the interest rate of Haikou second home loan rise?
Legal subjectivity:
Buying a house by loan has become a mainstream in society. Now more and more friends buy not only one suite, but also two suites. After buying a house with a suite, the interest rate will be different from when there is no room, so what is it? Next, let's learn from our friends how much the interest rate of the second home loan has risen. 1. How much does the second home loan interest rate rise? (1) What is the housing loan interest rate? 1. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a building area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who purchase a second home by loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. 2. The interest rate of the second home loan shall not be lower than 1. 1 times of the benchmark interest rate. Generally speaking, commercial banks should float 10%, that is, 7.2 1%, on the basis of the benchmark interest rate of 6.55 announced by the People's Bank of China. According to national regulations, the interest rate of second-home mortgage should be 1. 1 times the benchmark interest rate. The benchmark interest rate for commercial loans is 6.55%( 10 year), and the benchmark interest rate for provident fund loans is 4.5%. 3. Adjustment of the interest rate of the second home loan. In order to let the central bank better control the credit risk, reduce house prices and raise interest rates. Enjoy a 15% discount on the basis of 1 mortgage interest rate. The interest rate of the second suite generally rose by 10%, and the down payment ratio was higher. The adjustment of the second home loan interest rate can effectively reduce the bank credit risk. Can reduce the increase in real estate prices. Reduce the willingness to invest in real estate, thus alleviating high housing prices. Narrow the gap between the rich and the poor. Improve social stability. (2) How much has the loan interest rate gone up? 1. For households that own a house and the corresponding housing loan is not settled, the down payment ratio will be reduced to not less than 40%. Families who own a house and have settled their loans apply for housing provident fund again, and the down payment is reduced by 30%. In the new policy of the central bank, the interest rate level is given to commercial banks to decide independently according to customers' credit status and repayment ability. This also means that the previously unified second-home loan interest rate may be divided. However, more than ten days after the New Deal, the reporter learned that the interest rate of second-home loans of most banks in the island city is still above 10%. 2. Lenders who implement floating interest rate (interest rate exceeds 7%) are advised to repay the loan in advance because most of the investments benefited from this are risky; If in the early stage of repayment, the principal base is large and the interest amount is high, and there is no good investment channel, you can repay in advance; If it has reached the middle period of repayment and the residual interest is very small, it is not recommended to repay in advance. 3. To confirm the loan interest rate of the second suite, or the loan interest rate of the second home loan, we must first confirm how it belongs to the second suite. Then it is to confirm the standard of the second suite. What is the second suite? First of all, the borrower's family is the standard for determining the number of purchases. If you have used bank loans to purchase your own housing, and the per capita housing area is lower than the local average, and then apply for a loan from the bank, the borrower shall provide the query results of the total area of family housing issued by the local real estate management department according to the housing registration information system. Other situations belong to the second suite. All are charged according to the interest rate of the second suite. In real life, the actual situation is more complicated. Of course, specific problems need to be analyzed. Everyone has different needs and life expectations, and citizens should also decide the time to buy a house according to their actual situation. If your situation is complicated, this website also provides online consultation service for lawyers, and you are welcome to make legal consultation.
Legal objectivity:
Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
What are the second-home mortgage policies in Hainan?
For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate. For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management.
What are the second-home mortgage policies in Hainan?
On June 4th, 2065438+00, the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Standardizing the Criteria for Determining the Second Suite in Commercial Personal Housing Loans, and determined the criteria for determining the second suite:
First, the number of residential units in commercial personal housing loans should be determined according to the actual number of complete sets of housing units owned by family members who intend to purchase houses (including borrowers, spouses and minor children, the same below).
Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.
If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.
Three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:
(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;
(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;
(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).
IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.
For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.
(The above answers were published on 20 13-06-09. Please refer to the current actual purchase policy. )
Click to view more comprehensive, timely and accurate new house information.
What are the purchase restriction policies in Hainan?
In order to prevent chaos in the property market, the state has successively introduced real estate control policies, including the implementation of the purchase restriction policy. Let the real estate market in many places stabilize, prevent investors from driving up housing prices, and make the purchase of houses strict. What is Hainan's purchase restriction policy? Then let's take a look!
One is Wuzhishan, Baoting, Qiongzhong and Baisha. Houses in these four counties and cities are only sold to local residents. Second, foreign residents can only buy one suite, but they must provide proof of social security or personal income tax for two consecutive years. Third, there is already a house under the name of a foreign family, so it is impossible to buy a house again. Fourth, the down payment of commercial loans for local residents is not less than 40%, and that for foreign residents is not less than 70%, but three suites are not supported. Fifth, property rights must be sold for five years.
If you are a local resident of Sanya and already own a house, the down payment should not be less than half of the total house price in order to purchase a second house and apply for a commercial loan. Local residents in other counties and cities purchase a second home and choose commercial loans. If the first home loan has not been paid off, the down payment shall not be less than 50% of the total house price. The first home loan is paid off, and the down payment is not less than 40% of the total house price. In addition, if you buy the third suite, the loan will not be repaid and you need to pay it in full.
In addition, strict regulations have been made on loans for foreign residents to buy houses. If a property buyer applies for a commercial loan, the down payment shall not be less than 70% of the total house price. At the same time, the property right of the purchased house must be five years before it can be listed and traded, that is, from the time when the house is signed online.
Finally, the sale of commercial housing still under construction is restricted, and private transfer of such housing is prohibited. Once found, they will face punishment. Moreover, the local real estate department will not handle the relevant procedures for housing transfer. If the situation is serious, buying a house may be rejected within a few years. Therefore, buyers must purchase houses in accordance with relevant regulations, and don't lose big because of small.
I hope the above answers are helpful to you.
What is the down payment ratio of the second suite in Hainan?
At present, most areas in China are implementing the policy of restricting purchases and loans, and so is Hainan. As long as the purchased property is recognized as a second suite, the loan amount for buying a house will be reduced a lot, which means that buyers need to spend more money to pay the down payment of the house. If they are recognized as the third suite, they will not be able to apply for a loan. What is the down payment ratio of the second suite in Hainan? Let's take a look with Bian Xiao.
1. What is the down payment ratio of the second suite in Hainan?
At present, the down payment ratio of the second suite in Hainan is not less than 40%, which is adjusted from the original 50% down payment ratio to not less than 40%. That is to say, to buy a second suite with a total price of 5 million, the down payment needs at least 2 million, which is 500,000 lower than the original 2.5 million, which is very good.
Second, how is the second home loan determined?
1. There is a self-occupied house in the name of parents. When buying a house again, it was carried out in the name of minor children. The application for housing loan is implemented according to the second suite policy, because minor children are also included in the family.
2. If a property buyer owns a property under the name of a minor and applies for a loan to buy a house as an adult, it shall be implemented in accordance with the second suite policy. Unless the property has been sold and is not in the name of the buyer, applying for a mortgage is not a second suite.
3. The purchaser has a full house purchase under his name, and the application for payment of the second house purchase is implemented according to the second home loan policy, because buying a house now is both a house purchase and a loan, as long as there is a house purchase record or a loan record under his name, it belongs to the second suite.
4. If the house purchased by the purchaser has a loan under his name, and the loan has been settled and the property has been sold, if he applies for a loan again, it shall be implemented in accordance with the second home loan policy.