I. Conditions for applying for commercial loans
1, 20 15 Zhengzhou housing loan conditions require that the housing loan object must have a permanent residence or a valid residence permit in Zhengzhou city and have legal identification.
2.20 15 The conditions for Zhengzhou to apply for a house loan require the lender to have a stable occupation and income and the ability to repay the principal and interest of the house loan.
3. Fixed assets can be used as collateral for housing loans or housing mortgages, and can also be used as other assets mortgaged by housing loans.
4.2065438+2005 Zhengzhou must show the proof of purchase contract or agreement when applying for a loan.
5. In addition, it is necessary to meet some rules and conditions of the loan bank that buyers want to apply for.
Second, the housing mortgage loan application materials
1. real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)
2. Identity cards of the obligee and his spouse
3. Household register of the obligee and spouse
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )
6. If the property owner has minor children, please provide birth certificate.
7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )
Three. The amount and duration of the loan
1, and the highest mortgage rate of commercial housing can reach 70%;
2. The mortgage rate of office buildings and shops can reach up to 60%;
3. The mortgage rate of industrial plants can reach up to 50%;
4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.
4. What are the criteria for determining the first suite?
The first suite means buying only one house. The People's Bank of China stipulates that urban residents in China can enjoy preferential mortgage interest rates when purchasing the first home.
The so-called "first suite" must meet three conditions at the same time: the buyer 18 years old; The house you bought is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%); There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded.
Verb (abbreviation of verb) How to calculate the mortgage?
For commercial loans, it is very important to choose the appropriate loan amount, repayment period and loan method. Mortgage is divided into average capital and equal principal and interest.
The so-called average capital, that is, the amount of principal repaid every month is the same, while the equal amount of principal and interest is the same sum of principal and interest repaid every month.
If the interest rate of RMB loans over five years announced on February 23, 20 15+65438 is 5.94% (year) and the monthly interest rate is #url# * 0.7 = 0.3465, the monthly interest rate is 3.465‰.
If the loan amount is 500,000 yuan, no matter which repayment method is chosen, the interest must be repaid in full every month, that is, the minimum repayment amount is 500,000 * 3.465 ‰ = 1732.5. If you pay 3,000 yuan every month, the 1732.5 of this 3,000 yuan is the interest, and the rest is the principal. In other words, the current month's interest must be paid back in the current month, and this 1732.5 will not be carried over to the next month to continue to generate interest, so there is no problem of rolling interest.
The so-called average capital means that the amount of principal repaid every month is the same. If the loan of 500,000 yuan is paid off in 10 year, the principal to be paid back every month is 500,000 yuan/120 = 4166.67. In the first month, the principal of 500,000 yuan generates interest 1732.5, so the total repayment amount in the first month is 4166.67+1732.5 = 5899.438+07.
In the second month, the repayment amount of the principal remains unchanged at 465,438+066.67. Since the principal of 465,438+066.67 has been repaid in the first month, there is actually 495,833.33 left in the principal, and the monthly interest of this part is
495833.33 * 3.465 ‰ =1718.0625, so the total repayment in the second month is 4166.67+1718.0625 = 5884.73. (Sina's loan calculator is wrong, use the focus ...)
In the last month, the repayment of principal remained unchanged, which was 465,438+066.67. Since the principal owed to the bank in the last month is actually only 4 166.67, the interest this month is 4166.67 * 3.465 ‰ =14.44, and the total repayment in the last month is 4181.6544.
So the repayment amount in the average capital is getting smaller and smaller, because the principal is the same every month, while the interest is decreasing.
The so-called matching principal and interest means that the sum of principal and interest repaid every month is the same. According to the analysis of average capital, the principal owed to the bank is actually getting less and less, so the interest is getting less and less. Therefore, the repayment of equal principal and interest means that the principal is paid more and more every month, and the interest is paid less and less-although their total amount is the same.
Suppose the total loan amount is S, the number of installments is q( 10 is 120), the monthly interest rate is U, and the interest paid in the first month is Su.
Let the principal paid in the first month be x 1, then the remaining principal in the second month is (S-x 1), so the interest paid in the second month is (s-x1) u.
Assuming that the principal repaid in the second month is x2, then x 1+Su = x2+(S-x 1)u, because the total amount of principal and interest repaid every month is the same.
By solving the above equation, we can get x2 = (1+u)x 1. In the same way, it can be calculated that the principal repaid each month is (1+u) times that of the previous month.
Because all the principal must be repaid in Q months, there is X1(1+(1+u)+(1+u) 2+...+
( 1+u)^(q- 1) ) = S .
Solve this geometric series and get x1* (1+u) q-1)/u) = s.
Substitute S=500000 and q= 120 to get x 1 = 3367.39. Add the first month's interest 1732.5 to get the first month's total repayment of 5099.89.
Although the matching principal and interest looks simple (the same every month), it is a little more complicated to calculate. The disadvantage of matching principal and interest is that the principal repaid in the early stage of the loan is very small, and all of it is eaten up by interest.
On the contrary, the advantage of average capital is that the principal is the same every month, so a lot of principal can be repaid in the early stage of the loan, and once the principal is repaid, no interest will be generated. Obviously, the total repayment of average capital is less than the equal principal and interest. Its unhappiness is that the initial repayment pressure is greater.
If the provident fund loans, naturally choose equal principal and interest, because the housing provident fund is the same every month. If you have enough repayment ability and expect to repay in advance, then you should choose average capital, because it can pay less interest and the total repayment amount is lower.
For example, someone borrows 320,000 yuan from a bank to buy a commercial house, and pays off the loan in 30 years, with a monthly payment of 1.650 yuan. Then, the loan is 320,000 yuan (principal) × monthly bank interest rate ×360 months = more than 535,000 yuan. Some people may ask, doesn't this mean that the money returned to the bank after 30 years is more than 200 thousand yuan more than the principal of the bank loan? Yes, in the actual repayment process, most of the 1650 paid to the bank every month is interest. So most of the money returned in advance is the principal. For example, after 20 years, if you want to pay off the remaining loans in one lump sum, at least 60% of the repayment will be the principal.
This leads to another problem: I only used the bank's principal for 20 years, but I paid back the interest for 30 years. In this regard, professionals pointed out that such a repayment algorithm is wrong. The correct algorithm is as follows: Take a loan of 300,000 yuan with a term of 30 years as an example. If the annual interest rate of the loan is 5.58% (the monthly interest rate is 4.65 ‰), the monthly repayment amount is 17 18.46 yuan according to the calculation formula of equal monthly payment. At this time, the principal and interest are respectively: the interest payable in the first month after the loan 1395 yuan (300,000× 4.65 ‰ =1395 yuan), and the repaid principal is 323.46 yuan (1718.46-1). The interest payable in the second month after the loan is: 299,676.54× 4.65 ‰ =1393.50 yuan, the repayment principal is:1718.46-1393.5 = 324.96 yuan, and the remaining loan principal is: The repayment method in the next few months is analogized by this formula.
Some buyers' misunderstanding of repayment is mainly reflected in the fact that the loan contains 30 years' interest. In fact, with the continuous reduction of the principal, the interest is also reduced accordingly. According to the above formula, the remaining loan principal of the borrower after the 60th month repayment (that is, five years later) is 277,674.08 yuan. If the loan is fully paid off in advance, the remaining loan principal of 277,674.08 yuan can be paid off.
So, how to pay back the money cost-effectively? CCB people believe that in the years before repayment, the interest burden of property buyers is heavier, because the principal base is large and the interest is naturally high. In the last few years, with the reduction of the principal base, interest will naturally decrease relatively. This is not cost-effective for those who want to settle the remaining loans at one time, because the proportion of interest at that time was not much. Therefore, in the first few years of the loan, strive for more repayment, such as paying off 50,000 yuan and 65,438+10,000 yuan at one time to reduce the principal base of the total loan. In addition, the loan term should not be too long, because the longer the term, the higher the interest rate.
The intransitive verb Ping An Bank 20 15 to 12.30 housing loan interest rate table query.
20 15 12.30 ping an bank housing loan interest rate table query
Zhengzhou introduced a new provident fund policy, and the down payment ratio of the first suite dropped to 20%!
Recently, Zhengzhou City, Henan Province relaxed the application conditions of individual housing loans for housing provident fund, from the current continuous normal deposit of housing provident fund 12 months to 6 months. Zhengzhou provident fund loan, if both husband and wife meet the loan conditions, the maximum loan amount will be adjusted from 450,000 yuan to 600,000 yuan; Only the applicant meets the loan conditions', and the maximum loan amount is adjusted from 350,000 yuan to 400,000 yuan. Moreover, the down payment ratio of buying the first suite with provident fund loans has dropped to 20%!
New Deal 1: The amount of provident fund loans has risen to 600,000, and the total amount of portfolio loans has no upper limit.
The person in charge of Zhengzhou Housing Provident Fund Management Center said that Zhengzhou relaxed the loan application conditions. "The conditions for employees to apply for housing provident fund loans for housing purchases have been adjusted from the current continuous normal payment of housing provident fund 12 months to the continuous normal payment of housing provident fund for 6 months."
The most concerned thing is that the loan amount is raised by 6.5438+0.5 million yuan. The above-mentioned person in charge said that if the husband and wife meet the loan conditions when applying for provident fund loans in Zhengzhou, the maximum loan amount will be adjusted from the original 450,000 yuan to 600,000 yuan; Only if the applicant meets the loan conditions, the maximum loan amount will be adjusted from 350,000 yuan to 400,000 yuan. Accordingly, the maximum loan amount of counties (cities) and Shang Jie District in Zhengzhou City was adjusted from 300,000 yuan to 400,000 yuan.
Many people are concerned, will the portfolio loan policy change? The person in charge said that the total amount of portfolio loans was changed from the original upper limit of 700,000 yuan to no upper limit, and the amount of provident fund loans was implemented according to the above provisions.
New Deal II: The minimum down payment for the first suite is 23%, and the suite does not issue loans.
The relevant person in charge of Zhengzhou Housing Provident Fund Management Center said that if the paid employees' families use the provident fund loan to purchase the first set of commercial housing (including affordable housing and unit fund-raising housing, the same below), the loan ratio will be adjusted to 80% of the total property price. In addition, if the employee's family already owns 1 house, and the corresponding housing loan is settled, the loan ratio will be adjusted to not exceed 70% of the total housing price.
Reportedly, if paid employees use provident fund loans to purchase existing commercial housing (second-hand housing), the loan ratio will be adjusted to a maximum of 60% of the total property price. At the same time, loans will not be granted to families who have purchased the third or more houses and used provident fund loans twice or whose previous provident fund loans have not been settled.
At present, in Zhengzhou, the first suite is purchased with a housing provident fund loan, with a down payment of at least 30% and a benchmark interest rate of 4.0% for loans over five years; If you buy a second suite, the down payment will be at least 60%, and the interest rate will rise 10%. In other words, the minimum down payment in the future will be reduced from 30% to 20%.
New Deal III: Renting a house can draw a maximum of 2,000 yuan from the provident fund every month.
In the future, ordinary people can also withdraw the provident fund when renting a house. The relevant person in charge of the collection and management office of Zhengzhou Housing Provident Fund Management Center explained that the employees have paid the housing provident fund in full for three months in a row, and if they and their spouses do not own their own houses and rent a house in the administrative area of this Municipality, they can withdraw the storage balance in their housing provident fund accounts to pay the rent. This policy also applies to low-rent housing, public rental housing or other self-occupied housing.
It is reported that renting low-rent housing and public rental housing in Zhengzhou is based on the actual housing rental fee paid in the month; If you rent other houses in Zhengzhou, the total withdrawal of yourself and your spouse during the rental period shall not be higher than 50% of the total deposit of housing provident fund. The maximum monthly withdrawal limit for me and my spouse in Zhengzhou City is 2,000 yuan, and the maximum monthly withdrawal limit for me and my spouse in counties (cities) and Shang Jie District is 1200 yuan.
It is reported that the maximum monthly withdrawal ceiling will be adjusted according to the changes in the housing rental market. Applicants can apply for a one-time rent withdrawal every year during the lease term. Applicants are required to hold their own and spouse's ID cards and proof of husband-wife relationship; If you rent a low-rent house or public rental house in Zhengzhou, you need to provide a housing lease contract and proof of rent payment; Tenants of other houses need to provide proof of no property.
New Deal IV: Provident fund loans are suspended from "re-mortgage" business, and no proof of income is required.
Oda, a citizen who just graduated from Zhengzhou, just bought a suite with a commercial loan because the unit did not pay the housing provident fund. He hopes that after the unit pays him the provident fund, he can handle the business of "commercial loan to provident fund loan" and pay less money every month. But his idea is about to fail. According to the New Deal, the business of "commercial loans to provident fund loans" will be suspended in the future.
The person in charge of Zhengzhou housing provident fund said that Zhengzhou no longer needs to provide proof of income from provident fund loans. At the same time, extend the loan period of the stock house. The original "the housing age in stock exceeds 15, and the housing age plus the loan period shall not exceed 30 years" is adjusted to purchase the stock commercial housing with the completion time not exceeding 20 years, and the loan period shall not exceed 20 years at the longest; For the purchase of existing commercial housing that has been built for more than 20 years, the longest loan period shall not exceed 15 years.
The latest news that the central bank lowered the down payment ratio of commercial loans (2015-/kloc-0-14) The latest news that the central bank lowered the down payment ratio of commercial loans: On September 30, the China Banking Regulatory Commission announced that the down payment ratio of the first suite was lowered to 25%. At present, except for Beishangguangshen and Sanya, five cities have implemented purchase restriction policies. The housing provident fund loan business in different places will also be comprehensively promoted, the actual loan amount of the provident fund will be increased, and the funds will be used in the cities with districts as a whole, simplifying the conditions for business approval.
Due to the obvious decline in the speed of real estate investment, the central bank lowered the down payment ratio of commercial loans mainly for the real estate market in third-and fourth-tier cities. The central bank's downward adjustment of the proportion of the first home loan does not necessarily have an impact on the sales of existing homes, but it expresses the signal that the country intends to stabilize the property market. The central bank lowered the down payment ratio of commercial loans to 250%, which not only eased the short-term repayment cost pressure of buyers, but also helped stabilize housing consumption after the expected price increase.
Since the beginning of this year, the favorable policies of the property market have continued. On March 30th, the Ministry of Housing and Urban-Rural Development announced that the minimum down payment ratio for purchasing a second home is 30% for the families of employees who own 1 house and have settled the corresponding housing loans. The business tax exemption period for second-hand housing transactions has been reduced from 5 years to 2 years. In addition, so far, the central bank has cut interest rates four times and the deposit reserve ratio three times, and the deposit and loan interest rates of the provident fund have also been lowered accordingly.
On August 27th, it was announced that the purchase restriction order of the property market was cancelled, and then on August 3rd 1 day, the Ministry of Housing and Urban-Rural Development announced that the minimum down payment ratio for purchasing a second-home provident fund loan would be reduced from 30% to 20%.