In fact, including the online signing time, some knowledge about housing loans is not easy to attract the attention of buyers, and they regret not knowing when they encounter problems. Bian Xiao summed up several cold knowledge about buying a house, hoping to help you buy a house smoothly.
1, the online signing time determines whether it is restricted by the new policy.
The online signing time consulted by the above friends determines whether the purchaser will implement the new policy or the old policy, whether it is a commercial loan or a provident fund loan. For example, this year, the Chongqing Housing Provident Fund Center stipulated that the policy of recognizing housing and loans will be implemented from May 9. If there is one or more houses under the name or one or more housing loan records, buying a house is not the first set.
For example:
Xiao Li has a house under his name and plans to use the provident fund to buy another house. He completed the online signing before May 9, so he can still enjoy the discount of the first suite for the second house he bought.
Therefore, it is precisely because his online signing time was completed after the new policy, and it can only be implemented according to the 10% interest rate of the new policy. There is no problem for banks to do so. It should be noted that banks also have a reaction process to the adjustment of mortgage interest rates. For example, this year, Beijing's mortgage interest rate has been unified to 10%, and the big policy has been announced. However, the bank will not implement the new policy until the head office issues a formal notice. So sometimes, some property buyers can still enjoy the preferential policies of the old policy in the early days of the New Deal.
2. The online signing price, transaction price, second-hand housing evaluation price and transfer guidance price are different.
Although the online signing price, transaction price (contract price) and evaluation price are all price standards, their responsibilities are different.
Online signing price: refers to the price of the house registered and publicized on the website of the local housing construction Committee. This price can't be lower than the regional minimum transfer guidance price (the transfer guidance price will be introduced below), and the online signing price can reach 90%-95% of the contract price at the highest.
Transaction price: the amount of house payment actually paid by the buyer to the seller, that is, the house price (contract price) specified in the house purchase contract.
Second-hand housing appraisal price: refers to the housing price that the bank requires the appraisal agency to get when the second-hand housing is traded. Due to risk considerations, the evaluation price is generally slightly lower than the transaction price. The appraisal price determines the loan amount for buying a house, and the commercial loan amount = appraisal price x down payment ratio.
Transfer guide price: The transfer guide price is determined by many comprehensive factors such as the design purpose of the house and the year of building, and it is the benchmark price for paying taxes in second-hand housing transactions. The transfer guidance price of different areas, different communities in the same area and the minimum transfer guidance price of different floors in the same community are different. The transfer guidance price is not only offline, but also has an upper limit. If it exceeds the upper limit, regardless of the size of the transaction house, it will be regarded as an ordinary house and will pay a lot of taxes. You can consult the local housing management department for details.
Give a simple example to learn more:
Mr. Wang took a fancy to a unique house in Haidian District, 60 square meters, with a price of 2 million. The final transaction price was 2 million (contract price), and the buyer bought it in full. According to the national regulations, the minimum tax payment and transfer price of this house is 20,000 yuan per square meter (transfer guide price), and the final price of this house reflected by the Housing Authority system is 60× 20,000 = 654.38+0.2 million. Finally, the tax was paid at the price of10.2 million yuan. After five years, only the deed tax 1% will be paid, and the final deed tax1.2000×1%=1.2000 yuan.
3. If you repay the loan in advance by shortening the loan period, you need to re-sign the purchase contract.
There are two main ways to repay the mortgage in advance, one is to pay it off in full and the other is to pay it off in part. Some cities have high housing prices and large loans, and few people can pay off the loans in full, so most people will choose to repay the loans in advance. There are two ways to repay the loan in advance: one is to shorten the loan period and keep the monthly repayment amount unchanged, and the other is to reduce the monthly repayment amount and keep the loan period unchanged.
Choosing the way of shortening the loan life can save interest, but the disadvantage is that it is necessary to re-sign the loan contract for the remaining loans in advance. For example, the loan of 6,543,800+0,000 yuan has been repaid, and the remaining 700,000 has not been repaid. If you want to apply for prepayment of 200,000 yuan, and if you choose to shorten the loan term, after repayment of 200,000 yuan, the remaining 500,000 yuan will be re-signed with the bank, and the remaining loans will be implemented according to the latest mortgage interest rate. This year, the credit policy has been tightened, and interest rate concessions in many hot cities have plummeted. The previous interest rate was 8.5. In addition, the bank will re-evaluate the borrower's personal qualifications. Some lenders have credit problems during the repayment period, which will affect the subsequent repayment and may even increase the loan interest rate!
4. Parents buying houses in the name of minor children are also subject to policy restrictions.
Bian Xiao was asked that my father has a house, but my underage son has no house. If I buy a house in the name of my son, can I count it as the first suite? It is necessary to know that the evaluation of the first suite or the second suite is based on the family, and the children are underage. As guardians, parents and children belong to the same family, and there is a house under the father's name. Even if you buy a house in the name of your son, you should count it as a second suite. In addition, banks will look at the properties under the names of minor children when approving loans. If parents transfer the property to their minor children, buying a house in the name of no room will also be recognized as a second suite.
In the process of buying a house, buyers should always be skeptical and learn more about buying a house and lending. Only when they master the problems can they reduce the possibility of encountering them. It is not easy to buy a house, they should cherish it.