The policy of recognizing housing and loan is that if you have had a mortgage before, or bought a house, you can buy another house as a second suite. Apply for a loan to buy a house, and apply for a loan to buy a house in accordance with the provisions of the second home loan interest rate. Since 20 10, in order to curb speculative real estate speculation and prevent house prices from rising too fast, various localities have issued policies to recognize houses and loans, which mainly include the following aspects: First, the borrower applies for using loans to buy houses for the first time, and if his family has registered 1 set or more houses in the housing registration system where the house is to be purchased, the second set or more houses must be purchased by refinancing; Second, if the borrower has used the loan to purchase 1 house and above and applied for a loan to buy a house, it is also recognized as the second house and above; Third, if the bank is convinced that the borrower's family already owns 1 house and above through various forms of surveys such as inquiring about credit records and home visits, it will also refinance according to the second house and above. Due to the actual implementation of the policy of recognizing housing and recognizing loans, the scale of mastering the second suite varies from place to place. 20 10 On May 26th, the Ministry of Housing and Urban-Rural Development and other three departments issued the Notice on Standardizing the Criteria for Determining the Second Suite in Commercial Personal Housing Loans, which clearly stipulated the criteria for determining the second suite: identify the second suite as a family and implement the principle of "recognizing the house and recognizing the loan". The circular stipulates that the number of residential units in commercial personal housing loans should be determined according to the number of complete sets of housing units actually owned by family members (including borrowers, spouses and minor children) to be purchased. At the same time, the purchaser should query the borrower's family housing registration records through the housing registration information system, and issue a written query result. If the inquiry conditions are not available for the time being, the borrower shall submit a written credit guarantee for the number of family houses to the lender. The notice stipulates that if non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more apply for housing loans, the lender will implement the second (and above) differentiated housing credit policy. In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments. It can be said that since the implementation of the policy of recognizing housing and loans, it is beneficial to stabilize housing prices and curb speculative real estate speculation, especially foreign speculative real estate speculation. However, this standard also limits some buyers with rigid demand and improved demand. According to statistics, since 2022, more than 40 cities across the country have further loosened the real estate control policies by reducing the down payment ratio, increasing the attraction of talents, granting housing subsidies, and increasing the amount of provident fund loans, and the reasonable housing demand has been further released. On March 1 this year, the Zhengzhou Municipal Government issued the Notice on Promoting the Healthy Development of the Real Estate Industry (hereinafter referred to as the Notice), which involved the cancellation of policies such as "recognizing houses and loans", and Zhengzhou became the first city in China to completely loosen the policy of "recognizing houses and loans". The circular stipulates that for families who own a set of housing and have settled the corresponding housing loans, if they apply for loans to buy ordinary commercial housing again in order to improve their living conditions, banking financial institutions will implement the first home loan policy, and stipulate that children and close relatives who work and live in Zhengzhou are allowed to rely on their families to buy new houses. It is believed that this provision has created a precedent of "recognizing housing and recognizing loans" and will further liberalize the threshold for purchase restriction.
Second, will Beijing cancel its mortgage in 2022?
Will not cancel
At this stage, Beijing, like other cities, is unlikely to adjust the policy of "recognizing housing and recognizing loans", and the policy of "recognizing housing and recognizing loans" should continue to exist in the short term.
Last weekend, the central bank and the China Banking Regulatory Commission issued a policy of lowering the mortgage interest rate, and the lower limit of the first suite was lowered by 20 basis points. After the introduction of the policy, Tianjin, Zhengzhou and other cities have begun to implement it. At present, the interest rate of the first home loan is generally 4.4%, and that of the second home loan is 5.2%.
Beijing's mortgage interest rate policy has not been followed up, and it is still 5. 15% for the first home loan and 5.65% for the second home loan. It is expected that financial institutions will simultaneously lower the mortgage interest rate, benefiting those who just need to buy houses.
I want to buy a house through provident fund loan. What is the "recognition of housing and loan" in relevant policies? ...
The provident fund can be used to buy a house by loan 1 year or more, and the loan amount can be limited by four values; 1, 20% down payment for saving provident fund, 30% down payment for combination, 2. The personal provident fund loan is up to 400,000 yuan, and 500,000 yuan if it is supplemented. Others can only be mortgaged if they want to borrow more. Card balance 10 times, less than 20,000 yuan is calculated as 20,000 yuan, 4. (Monthly payment/unit ratio/individual ratio) = monthly salary. The lowest of the four values is how much money you can borrow. If you need a loan, you can contact me, 100 yuan agent, a professional loan company.
Fourth, is it a national or limited market to recognize housing and loans?
Legal analysis: At present, the whole country implements the policy of recognizing houses and loans. Housing recognition is unified, with registered contents and information. When buying a new house or a second-hand house again, the house will be defined as two suites and above.
The information of buying a house by loan has been registered in the credit information system before this. In this case, when applying for a loan to buy a house again, the house will also recognize the loan according to how many times the borrower has been short of money in the bank, rather than whether the bank loan has been settled.
Recognition of housing and loan means that when buying a house by loan, if there is a house under the name of the borrower's family or there is a record of housing loan from time to time, the house will be recognized as a second suite or above. Generally, it is divided into three situations: it is the most unfavorable for people who recognize housing and loans.
Notice on the policy of individual housing loan with legal basis Article 5 The provident fund loan will implement the policy of "recognizing the house and recognizing the loan", which is consistent with the recognition standard of commercial loans. At the same time, the rules of the provident fund loan amount will also change, which is linked to the deposit period of the provident fund.