1. Information required for loan purchase.
(1) Original ID card
(2) Household registration book (if Beijing is a collective household registration book, a copy of the first page of the collective household registration book should be stamped; A copy of my page)
(3) Residence permit or electronic residence permit
(4) Bank card in the name of the purchaser
(5) proof of income, with a template
(6) Bank flow
2. Loan term: 25 years at the longest in Beijing. According to the age of the building and the age of the buyer. Generally speaking:
(1) loan period+house age < 70 years
(2) loan term+borrower's age < 70 years old
(3) Different banks and different building structures will have some differences in service life.
If the lender is old, you can consider relay loan.
Relay loan: parents are borrowers and children are guarantors to apply for loans from banks, and the number of loan packages for both husband and wife of borrowers is assessed, excluding children. The opposite is true.
3. The down payment ratio is 35%-80%, and the second-hand house is evaluated by the bank.
Ps: Down payment is to calculate the loan amount first, and then down payment = total price-loan amount.
For example, the first set is eligible to buy 4.65 million new houses in the Fifth Ring Road with a down payment of 35% and a loan ratio of 65%? 465 w = 302.25 w, rounded up, the loanable amount is 3.02 million. Down payment 465-302 =163 w.
Second-hand housing loan calculation, the loan amount is calculated by the bank evaluation price. The general evaluation price is 90% of the market price, which fluctuates up and down. In some remote areas and old houses, it will be less than 90%.
For example, the first group, around 2000, is eligible to buy a second-hand house with a total price of 465w in the Fifth Ring Road. The appraisal price of the bank is about 4 18w, and the loan ratio is 65%? 418w = 271.1w, the loan is rounded to 27 1w, and the down payment is 465-27 1 = 194W, which is more than 40%.
4. Commercial loans and provident fund loans
4. 1 commercial loans
Commercial loan interest rate: LPR+ basis point interest rate is implemented. Add 55 basis points to the first set and 105 basis points to the second set. Announce the current month's interest rate on the 20th of each month. In September, the first set was 4.65+0.55 = 5.2%, and the second set was 4.65+ 1.05 = 5.7%.
Appraisal of ordinary houses: The following three conditions must be met at the same time.
(1) Building area? 140m2 (except public houses)
(2) What is the plot ratio of residential areas? 1
(3) At least one of the unit price and total price of the house is below the standard.
Term of the loan: up to 25 years.
Banks can do it within 40 years, and only a few banks can lend in full over 40 years, and the interest rate is normal.
(2) Or a high-value school district scribing room, the lender's qualification is also good, and the loan can be granted for 25 years.
4.2 provident fund loans
(1) interest rate of provident fund loan: the first set of interest rate is 3.25%, and the second set is 10%.
(2) Duration of provident fund loan: Take all the following restrictions into consideration at the same time, and take the lower value.
(3) Provident fund loan amount: the first set of upper limit 120w and the second set of 60w.
(1) east-west city household registration, purchase the first house outside the six districts of the city, and the loan amount can be increased by 200,000 yuan;
(2) Household registration in the sixth district of the city, and purchase the first house outside the sixth district of the city, and the loan amount can rise by 654.38+10,000 yuan;
In line with the requirements of the second home loan policy, the loan amount is 600,000 yuan.
Personal provident fund loan amount:
Municipal public accumulation fund: the annual loan is 6,543,800 yuan, and if the deposit period is less than 6,543,800 yuan, the loan is 6,543,800 yuan+2,000 yuan according to 654.38+ 0. Married, whoever has a long deposit period and a high amount is yours.
(4) the formula for calculating the amount of provident fund loans
Single loan amount = (personal deposit amount? Deposit ratio-1540)? 0.6? Average monthly repayment in the corresponding year.
Married loan amount = (personal deposit amount? Deposit ratio-1540? 2)? 0.6? Average monthly repayment in the corresponding year.
(5) Beijing housing provident fund categories: municipal provident fund, state-managed provident fund and central provident fund.
① Beijing (including all districts and counties) Housing Provident Fund Management Center, where the municipal provident fund is deposited, starts with the unit registration number 1 10.
② The place where the state-managed provident fund is deposited is the Housing Fund Management Center of Z Central State Organs, and the unit registration number starts with 5 12 or 502.
③ The deposit place of Zhongzhi Provident Fund is Zhongzhi Branch of Beijing Housing Provident Fund Management Center and Central directly under the authority Housing Provident Fund Management Center.
(six) provident fund loan application conditions
Municipal and state-owned provident fund loan conditions:
(1) The provident fund account has been opened for more than 6 months, and it has been continuously paid in full for 6 months since the date of application.
② The current account is in deposit status and has not been deactivated. (If it is managed by the state, with the approval of the housing fund management center of Z central state organs, the paid employees in the state of caching, sealing or retirement can apply for loans. )
③ There are no outstanding provident fund loans and provident fund discount loans in the applicant's family.
The loan conditions of CIIC Provident Fund:
Pay 12 months in full from the date of loan application.
① At present, it is in a deposit state and has not stopped.
② The applicant and his wife have no outstanding housing accumulation fund, personal housing loan and policy discount loan.
(7) Portfolio loan
Municipal provident fund portfolio loans: interest rates, respectively. Part of the provident fund is managed by the municipal government, part of commercial loans are the same as commercial loans, and the conflicting parts are implemented according to the most stringent interest rates.
Total loans = provident fund loans+commercial loans
Husband and wife, one is in charge of the city and the other is in charge of the country. If the urban management does not have enough loans, the customs clearance provident fund can be used to assist in the consolidated calculation.
State-managed provident fund portfolio loan: in principle, the provident fund part is the same as the customs clearance provident fund, the commercial loan part is the same as the commercial loan, and the conflict part is the most stringent.
Ps: The state-managed provident fund portfolio loan requires that the actual loan amount must be consistent with the loan amount signed online.