Question 1: I have a house in another place and the loan has not been paid off. Now I want to buy a house in Xi 'an. I don't know if it's the first set or the second set.
Question 2: I have a suite in Xi 'an, and I have no loan. I want to buy another house. Is it the first set or the second set?
How to define the first suite and the second suite may be unclear to many people.
Now that house prices are getting higher and higher, most people will choose bank loans when buying a house, so the down payment ratio and mortgage interest rate are important issues to consider.
Regarding the purchase restriction, down payment, mortgage interest rate and other issues closely related to buying a house, today we will talk about it in detail.
How to define the first and second suites?
According to Xi 'an's purchase restriction policy, there are at most two properties in Xi 'an, and at most one in other places.
After understanding the qualification of buying a house, the difference between the first set and the second set directly affects the down payment ratio and mortgage interest rate. For example, newly settled people have their own houses in different places. How to buy a house in Xi 'an?
In Xi 'an, most banks implement the policy of "recognizing loans but not houses", and a few banks implement the policy of "recognizing houses and recognizing loans", so the conditions for buying houses with loans are more stringent.
1 Commercial loan:
On the afternoon of April 5th, 65438, I telephoned the staff of Xi 'an Sub-branch of Industrial and Commercial Bank of China, and got the reply that it was generally implemented according to the principle of "repaying loans but not housing", which was mainly divided into the following situations:
① There is a suite in Xi 'an, and if the loan is paid off or the house is bought in full, buy a house again: the first set is calculated when the loan is paid off.
② There is no loan in different places, and there is no room in Xi 'an: the down payment ratio of buying a house in Xi 'an and the bank mortgage interest rate are determined according to the first set;
③ I have a house in a different place, but the loan has not been paid off. Xi 'an has no house: I want to buy a house in Xi 'an now. Generally, the audit is very strict, and the loan is relatively difficult to approve, depending on my personal situation.
In addition, I also consulted a sales person who introduced them to six banks for project cooperation, some of which recognized housing but not loans, while others recognized housing and loans.
Among them, the Agricultural Bank of China recognizes housing and loans, and the bank is networked nationwide. When reviewing personal property information, as long as there is a record of unpaid mortgage in local or different places, the mortgage interest rate is calculated according to two sets.
Special reminder: each bank's specific loan policy is different, and the same bank has different requirements for different projects, which needs specific analysis.
For example, question 1: There is no real estate in Xi 'an, but there is a record of outstanding loans when buying a house in other places. How much is the down payment for buying a house in Xi 'an?
A: The down payment ratio is calculated according to the first suite, but the bank loan interest rate is calculated according to the second suite.
Question 2: The house 2:Xi 'an bought with a loan has been paid off. Want to buy another set, is it the first set or the second set?
A: The down payment ratio and bank loan are calculated according to the second suite.
2. Provident fund loans:
Xi provident fund loan policy, the first use of provident fund loans according to the first suite loan policy, the second use of provident fund loans according to the second suite policy, the third time is not supported. The second use needs to settle the first provident fund loan. ?
Loan interest rate: loan interest rate: first suite 1-5 years, including 5 years, 2.75%, more than 6 years, including 6 years, 3.25%. The interest rate for the second use goes up 10%.
For example, I already have a house in Xi 'an under my name (commercial loan, outstanding). Now I buy a second house in Xi 'an and apply for a provident fund loan. Meet the conditions of provident fund loans. Is the interest rate of provident fund loan calculated at 3.25% for the first application for provident fund or at 10% for the second suite?
A: According to the first set of 3.25%. Provident fund loans and commercial loans are independent. If you have not applied for provident fund loans before buying a house, it will be calculated according to the interest rate of the first home loan.
Purchase restriction policy, down payment ratio, mortgage interest rate
To buy a house in Xi 'an, you must first understand the purchase restriction policy and the qualifications for buying a house:
1 Restricted purchase area:
2. Xi Anfang qualification:
3 commercial loans:
The following is our telephone consultation with the bank about the down payment ratio and mortgage interest rate in mid-March. Most banks have not changed significantly in the near future. You can refer to the following table.
Down payment ratio: According to the current bank regulations, the minimum down payment for the first suite is 30%, and the minimum down payment for the second suite is 40%. However, according to many property consultants we consulted, because the number of places for bank down payment of 30% is very limited, unless the personal credit information is particularly excellent, most real estate down payment is 40% for the first suite and 50% for the second suite. No loans for three or more sets.
Mortgage interest rate: the benchmark interest rate is 4.9%. At present, most of the bank's interest rates have gone up, with the lowest rise of 15% for the first set and 20%-25% for the second set.
4. Provident fund loans:
According to the latest regulations of Xi 'an Provident Fund Management Center, the new provident fund loan policy was implemented on May 13 this year, and the down payment ratio was increased.
Down payment ratio: 35%-40% for the first down payment, and 40%-45% for the second loan when it is settled for the first time. It should be noted that the minimum down payment ratio for the purchase of finely decorated houses is 40%.
It should be noted that this new provident fund policy has not changed the maximum loan limit. On the premise of satisfying the loan, individuals can borrow up to 500,000 yuan and couples can borrow up to 650,000 yuan.