Bank of China: The new first home loan policy has been implemented.
From 10 and 1, the minimum down payment ratio of BOC loans is 30%, and the lower limit of loan interest rate is 0.7 times of the benchmark loan interest rate, which is determined by each branch independently according to the risk situation.
Bank of China announced on June 5438+00 that since June 5438+00, all branches have implemented the new first home loan policy according to the requirements of the People's Bank of China and the China Banking Regulatory Commission.
Starting from 10 and 1, the minimum down payment is 30% for families who buy the first ordinary self-occupied house by loan. For families who own 1 house and have settled the corresponding housing loan, they will apply for loans again to buy ordinary commercial housing in order to improve their living conditions. The lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate, which is determined by each branch independently according to the risk situation.
Bank of China will also authorize branches to apply for loans to purchase houses for families with two or more houses and settle corresponding housing loans in cities where the "purchase restriction" measures have been cancelled or not implemented, and carefully grasp and specifically determine the down payment ratio and loan interest rate level according to the borrower's solvency, credit status and other factors; According to the local urbanization development plan and the relevant policies of the local government, housing loans can be issued to non-local residents who meet the policy conditions.
The relevant person in charge of Bank of China said that the Bank will improve the efficiency of examination and approval, increase credit supply, give priority to meeting the credit demand of households for purchasing the first set of ordinary self-occupied housing and improved ordinary self-occupied housing, and earnestly do a good job in "promoting consumption to benefit people's livelihood".
Bank of China will continue to increase financial support for shantytown renovation and affordable housing projects, including public rental housing; Continue to support high-quality real estate enterprises to develop the financing needs of ordinary commodity housing, and meet the needs of residents for first-time purchase and first-time improvement purchase; Actively strive for qualified real estate enterprises to carry out debt financing business in the inter-bank bond market, and explore real estate investment trust funds (REITs) business under the guidance of the regulatory authorities.
20 19 what is the housing loan policy in Hangzhou?
The latest mortgage policy in Hangzhou is as follows for your reference:
I hope I can help you!
At the end of 20 18, there seems to be a rumor that the interest rate of the first home loan will be lowered. I wonder if it's true. 20 19 is hard to say. It should be about the same as now.
Hangzhou housing provident fund loans to implement the quota system per person per household.
The maximum personal loan for employees is 500,000 yuan. If both employees and their spouses pay housing provident fund, the specific loanable amount shall be calculated separately by individuals, and the total maximum loanable amount shall be 6,543,800 yuan.
The loanable amount is calculated according to the average monthly balance of employees' housing provident fund accounts when applying for housing provident fund loans (the multiples of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District are currently determined by 15 times).
The average balance refers to the average balance of the housing provident fund account at the end of the month when employees apply for loans (if the deposit time is less than 12 months, it shall be determined according to the actual number of months) (excluding one-time deposit for nearly 12 months). The calculation result of employee's personal loan amount is rounded to thousands. Less than 6.5438+0.5 million yuan, determined to be 6.5438+0.5 million yuan, more than 500,000 yuan, determined to be 500,000 yuan.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
What are the 20 19 venture loan policies?
(1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 10% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year, with the balance. (2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities. (3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.
2065 438-2009 Introduction of New Mortgage Policies of Several Banks in Beijing
New mortgage policies of many banks in Beijing
The new policy announced by the central bank is about to be "full moon". During this period, various banks in Beijing have successively issued relevant specific policies. Let's take a look at the new policies introduced by several banks in Beijing.
1, Policy of China Construction Bank:
(1) If there is no housing loan record or there is no house under the name of the settled loan, the first loan policy will be implemented.
(2) For families who already have a set of housing and have settled the corresponding loans, if they borrow again to buy housing to improve their living conditions, it shall be implemented with reference to the first home loan policy.
(3) Families who have houses but have not settled the corresponding loans apply for loans to buy houses. The minimum down payment ratio is 60%, and the lower interest rate is 1. 1 times the benchmark interest rate of the central bank loan.
(4) If the foreign household registration has no housing loan record when buying a house in Beijing, or if the loan has been settled and there is no house in Beijing, the application for loan to buy a house is the first home loan, the first set of interest rate benchmark, and the second set of floating 10%.
(5) The loan interest rate is the current interest rate of China Construction Bank;
2. Agricultural Bank of China
15% discount on the first set
Conditions: flowing water is close to income.
3. Bank of Communications
Best 15% discount
Conditions: Bank of Communications ward card, mobile banking, financial management 50,000.
4. Bank of Beijing
Best 15% discount
Conditions: the credit investigation is not overdue, and any of the following conditions are met at the same time: 1 0,000 insurance coverage is over 3 years; Handle 65438+ million credit loans; Save 5% deposit for one year.
5. HSBC
Discount over 2 million yuan 10%, discount under 2 million yuan 94%.
Conditions: The first set of identification criteria for ordinary housing (excluding affordable housing): the borrower has no house or a house under his name, and there is no outstanding mortgage record under his name, which can be identified as the first set of loans. If there are two houses in the name, which is consistent with the original implementation policy, the loan amount is more than 2 million, and the interest rate is still 10% discount.
6. China Merchants Bank
The best 10% discount, conditions: 15% deposit for one year;
15% discount: 5% deposit for one year.
7. Postal Savings Bank
Best 10% discount
Conditions: The borrower's unit is a high-quality unit (state-owned enterprises, institutions, civil servants, listed companies, top 500 enterprises, etc.). ): No overdue, and meet any of the following requirements: buy 654.38+ 10,000 yuan for financial management; Insurance (6000/ year/period, 5 consecutive years); Apply for a credit loan of 6,543,800+0.5 million; Pay down payment of 65438+ 00% of the loan amount. A 10% discount can be implemented.
15% discount
Conditions: the customer is not overdue, and at the same time, he meets any one of the following 15% discount: buy 50,000 wealth management; Insurance (1 10,000/year/period for 3 consecutive years); Apply for a credit loan of 654.38 million yuan; Pay a deposit of 5% of the loan amount.
8. Shanghai Pudong Development Bank
15% discount
10% discount for customers who do fund supervision in Shanghai Pudong Development Bank.
Conditions: If there is no housing loan record under the name or there is no house under the name of the settled loan, the first loan policy will be implemented. Families who own a house and have settled the corresponding loan can borrow again to buy a house in order to improve their living conditions, and can refer to the implementation of the first home loan policy. The interest rate of the first home loan is 15% off, and the customers who do fund supervision in Shanghai Pudong Development Bank are 10% off.
20 19 what is the latest loan restriction policy in Guangzhou?
Guangzhou Housing Loan Restriction Policy
(1) down payment
1. If there is no house or loan in this city, the minimum down payment is 30%;
2. No housing and loan records in this city: the minimum down payment for commercial housing is 40%, and the minimum down payment for apartments is 70%;
3. Those who have a house in this city and have no loan record/those who have paid off the first home loan: the minimum down payment for commercial housing is 50%;
4. The first set of housing in this city has not been paid off: the minimum down payment for commercial housing is 70%;
There is a house in this city: the minimum down payment for an apartment is 70%.
Differentiated housing credit policy
1. For applicants who have been divorced for less than one year, banking financial institutions implement the credit policy of 1 house owned by residents in this city;
2. For borrowers who are adults, unemployed, have no fixed income, and the repayment funds come from other borrowers, banking financial institutions shall implement the credit policy of 1 house owned by households in this Municipality;
3. The registered employees in this city have paid in full 1 year or more, and the non-registered employees have paid in full for more than 2 years before they can apply for housing provident fund loans.
(3) The down payment cannot be loaned.
Commercial banks, institutions, internet financial institutions, trust and investment companies and other financial business operators may not issue or issue down payment loans for house purchases in disguised form.
This is the end of the loan policy 20 19 and the relaxation of the loan policy. Did you find the information you needed?