Calculate how much it will cost to decorate your home. Housing prices in Beijing are very high. According to the relevant policies and regulations of Beijing, the down payment ratio and mortgage interest rate of the first suite will be lower than that of the second suite. So how can buyers find that their houses meet the first home loan policy and can apply for the first home loan? Next, Bian Xiao will briefly introduce it to you. 1. According to the relevant provisions of Beijing's housing purchase policy, the purchaser applies for provident fund or commercial loan to purchase the first home, and the down payment ratio is 35%; If the first suite purchased is affordable housing, the down payment ratio for applying for provident fund housing loan is 20%. According to the investigation of relevant reporters, the interest rate of the first home mortgage in Beijing rose by 5-10%; The second-hand housing mortgage interest rate rose by about 20%, and the down payment ratio and mortgage interest rate of the first suite were lower than those of the second suite. 2. Beijing implements the policy of recognizing houses and loans. Property buyers have no record of housing loans nationwide and no housing in Beijing. Apply for housing loan to buy the first suite and implement the first suite policy. Therefore, property buyers want to check whether the house they bought can apply for the first suite, and they can check the house under their own name and whether there is a record of the house purchase loan under their own name. 3. Buyers can go to the local real estate trading center with ID cards, household registration books and other related materials, and the process will be relatively simple. Applicants fill in the application form and are proud of the 20 yuan audit fee. The staff will review their application materials and issue a house certificate. If you want to inquire about the housing loan records, we can inquire in the credit information system of the People's Bank of China, or in any bank with an ID card in the name of applying for a loan. Bian Xiao concluded: Bian Xiao briefly introduced how to inquire whether there is a first home loan in Beijing. I hope that after reading this article, I can provide reference and help for you to inquire whether the purchased house meets the first home loan policy in the future. If we have any questions about the local mortgage policy, we can consult the bank or the relevant government staff. Enter the area and get the decoration quotation for free.
Second, what will the mortgage bank check?
When the mortgage is signed face to face, the bank mainly reviews the following points: 1. The prerequisite for judging repayment ability-if the marital status is married, both husband and wife should be present and provide the original marriage certificate and household registration book; Divorce requires a divorce certificate. Because the bank judges the borrower's family repayment ability and housing situation by family as a unit when lending money, and determines the loan amount and loan interest rate by this, the marital status of the borrower is an item that the bank must check. 2. Proof of repayment ability-proof of income and face-to-face signing of bank loans, proof of income of borrowers and bank loans are also key audit items. Because these two items reflect the borrower's repayment ability. Generally speaking, the monthly income is greater than or equal to the monthly mortgage payment X2. If the borrower is repaying other loans, the monthly income is required to be greater than or equal to (monthly mortgage payment of existing loans) X2. As mentioned above, bank review is conducted on a household basis. If the income of the married person does not meet the above requirements, the income certificate of both husband and wife may be submitted. Many hands make light work, so there will be no problem if the income of two people meets the requirements. For bank running water, the general bank will require running water within 6 months. Rong 360 suggests that you use running water to trade as many bank cards as possible. If the running water is not enough, you can deposit some money in the bank card at one time and then distribute the running water. 3. Stable Work-A copy of the company's business license can show that the lender has a stable job and must be stamped with the company's official seal. However, if the borrower works in a state-owned enterprise or institution, he can only provide a work permit or employment certificate. 4. Determine the loan amount and interest rate-if the existing housing situation is to buy a second suite to apply for a loan, it is necessary to provide the real estate license and loan contract for the first purchase, and the loan settlement certificate should be provided if the first suite has repaid the loan. Because housing ownership directly affects the number of housing units, loan amount and loan interest rate of borrowers applying for second homes. For example, in Beijing, even if you are registered in this city, you can only apply for a loan of two suites at most. 5. Personal credit label-When the bank signs the credit report in person, it will check the credit information of both husband and wife on a family basis. Some banks will check the borrower's family's loan records within five years, credit card records within two years, and some will check the time range more widely. Due to different banking policies, the difficulty of reviewing credit information will be different. If one of the spouses is overdue, it may affect the whole family to apply for a mortgage, ranging from raising the loan interest rate or down payment to being refused a loan. Therefore, Rong 360 suggests that you check your credit report in advance before the face-to-face signing. When using credit cards or other loans, you must pay attention to repayment on time to avoid overdue.
Third, how does Beijing define whether it is the first suite? My account is still with my parents. I will buy it now. ...
Determination of whether the first suite is a family unit. Family unit refers to both husband and wife plus minor children (18 years old), so it is a family unit. If there is no real estate in the name of any party in the family unit (note that the local housing authority mainly verifies whether there is real estate in the name, and if the family divorces, the ownership clause of the real estate in the divorce agreement will also be used by the bank as the criteria for determining whether there is a second suite). 1. I think you should be an adult. As long as your name is not added to the property under your parents' name, that is, your name is not on the property right, then you can buy a suite. 2. The method you proposed is a second suite, unless you buy a house before marriage. If it is a mortgage, you should go through the bank mortgage formalities before marriage. If it is a commercial loan, it doesn't matter. If it is a housing loan, it must be a second suite, depending on the policy decision of the local bank whether it can be lent to you. If it is the first suite, the provident fund will not be affected, but it seems that the CBRC has broken a rule, that is, to apply for a commercial loan in any bank. If the loan is not settled, it seems that it is impossible to apply for another loan in the second bank, that is to say, to apply for a mortgage in this bank, but you can find a relationship, hehe.
Fourth, the first set is that the provident fund loan has been paid off. Can the second set of housing commercial loans be the first set?
The bank gave a reply-as long as you borrowed money from the bank and mortgaged it, whether you sold it or not, whether you still have a house or not-even if you slept on the street or in the subway station, as long as you borrowed money and paid it-your record in all banks is: as long as you mortgaged it later, it will be the second suite-which is intuitive to understand: "-Answer the following netizen: Continue to emphasize, no matter. You got it? To put it bluntly: even if you buy a lot in cash, it is not a "second suite"!