First, the loan method
Provident fund loan
The interest rate of provident fund loans is 3.25%. As long as the first set of ordinary self-occupied housing is purchased, the minimum down payment ratio is 20%. However, the maximum personal loan amount is 600,000 yuan, and the maximum loan amount for husband and wife is 6,543.8+0,000 yuan. Loan amount ≤ account balance ×8+ monthly deposit × months from retirement age.
commercial loan
People who have not paid the housing provident fund cannot apply for housing provident fund loans. If you want to buy a house with a loan, you can only apply for a personal housing commercial loan. As long as the lender's deposit balance in the loan bank is not less than 30% of the loan amount, and it is used as the down payment for house purchase, and the loan bank recognizes the assets provided by the borrower as collateral or pledge, or takes the unit or individual with paid loan ability as the guarantor to repay the loan principal and interest and bear joint liability, it can apply for personal housing commercial loans for a long time.
Consortium lending
What should I do if I apply for a provident fund loan but the amount is not enough? The rest can only be made up by commercial loans, of course, the interest is also calculated separately. This is a portfolio loan. For example, if you need a loan of 2 million yuan, the local provident fund management center stipulates that the maximum loan for provident fund is 6.5438+0.2 million yuan. In this case, the remaining 8 million yuan will be used for commercial loans.
2. What conditions determine the loan amount?
1, mortgage down payment ratio
The bank loan amount is affected by the down payment ratio of the loan, and usually cannot exceed the difference between the total house payment and the down payment. It is recommended to know more about the bank's policies before lending.
2. Lender's repayment ability
The repayment ability naturally refers to the monthly income of the lender, and the repayment ability coefficient = monthly income/monthly payment. The higher the loan coefficient, the stronger the repayment ability and the higher the loan amount.
3. Second-hand housing inspection age.
When buying a second-hand house to apply for a loan, the bank will inspect the age of the house to be loaned, which generally requires 20-25 years, 30 years for a looser house and 15 or 10 years for a stricter house. The shorter the house age, the easier it is to get a loan, and the amount is higher than the house age.
4. Personal credit information
Some banks will examine the borrower's credit card records within two years and loan credit records within five years, while others will examine the credit records for a longer period of time. Serious bad credit information that has been overdue for three consecutive times and accumulated for six times may lead to loan rejection.
5. Other guarantees
At the same time, banks with banks will inspect the borrower's payment of medical insurance, endowment insurance, accident insurance and housing provident fund, because these can reflect the borrower's repayment ability from the side, among which medical insurance and endowment insurance are more important.
3. What if the loan amount is not enough?
1, provident fund line, portfolio loan
As mentioned above, provident fund loans are limited. If it is not enough, you can apply for a portfolio loan. However, not all banks accept portfolio loan applications. Portfolio loans involve provident fund centers, banks and other institutions, and the approval period is more than 3 months. Buyers who are anxious to pay the house price should consider the time problem.
2, personal credit line, bank loans with real estate.
Different banks have different loan policies. If some banks don't give you enough credit because of credit investigation and other factors, you can borrow from banks that cooperate with real estate projects and get some interest rate concessions.
3, income can not reach the limit standard, relay loan.
For example, the income of Betty Wong, the borrower, does not meet the bank lending standards, while Xiao Wang's father has not retired and his income is high. If the sum of the income of Xiao Wang and his father meets the conditions: the income of Xiao Betty Wong+the monthly income of his father >; = monthly loan repayment amount *2, then the borrower * * * applies for mortgage with his father, thus increasing the loan amount.
If you can't get the desired amount after consulting a number of banks, you can also apply for a loan from a microfinance company. The application conditions are relatively relaxed and the approval process is simplified. Of course, if you don't want to do this, then you are at your wit's end. You'd better borrow money from your relatives and friends.
(The above answers were published on 20 16-09- 14. Please refer to the actual situation for the current purchase policy. )
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