First-hand housing mortgage loan is a loan that the borrower buys the first transaction housing (that is, the housing developed and built by real estate developers or other qualified developers and sold to individuals) and repays it on a monthly basis with this housing as collateral.
Generally, the maximum loan amount of a first-hand housing loan is 80% of the property value. Applicants are required to have a stable source of income and a good job to ensure the timely repayment of principal and interest.
The longest loan period of mortgage loan is 30 years, and the sum of the applicant's age and loan period shall not exceed 70 years.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Self-operated loan
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Consortium lending
Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.
Loan amount: 80% of the value of the loanable property after being audited by the bank.
Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
way
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.
How to calculate the interest rate of personal first-hand housing loan in China Bank?
Interest rate of personal first-hand housing loan of China Bank:
The pricing of RMB personal first-hand housing loans is based on the latest LPR issued by the People's Bank of China. Loans with less than 5 years (inclusive) use 1 year LPR, and loans with more than 5 years (inclusive) use LPR for more than 5 years. When the loan repricing date is adjusted, the LPR of the loan pricing benchmark will be adjusted to the latest LPR of the corresponding grade published by the People's Bank of China.
Due to the differences in business in individual regions, please consult our handling outlets for details, or enter the online customer service manual service and call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
65438+ Record 10 Monthly loan data: Where did the money go?
"The data shows that among the 4.9 trillion new loans in June 5438+1October, personal loans accounted for a small proportion, and corporate loans accounted for the vast majority, accounting for 95.5%, totaling 4.68 trillion. Among the 4.68 trillion yuan of new loans granted by enterprises, medium and long-term loans were the main ones, accounting for 74.8%. It is not difficult to see that a large amount of credit funds have basically flowed into the real economy, and it is mainly supported by medium and long-term funds. Under normal circumstances, enterprises are only willing to borrow medium and long-term loans if they are full of confidence in the future.
What is the maximum amount of personal first-hand housing loan in China Bank?
China Bank's individual first-hand housing loan shall not exceed 80% of the value of the purchased house or the assessed value (whichever is lower), and the specific proportion shall not exceed the laws, regulations and regulatory provisions. The proportion of a single loan should be determined one by one according to the borrower's repayment ability and credit history. Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.
The above contents are for your reference. Please refer to the actual business regulations.
What are the primary resources of loan customers?
More than 200 one. Loan customers, such as customers, have high and low prices, and the price is above 200. In fact, loan users refer to those who have bad personal credit records and are blacklisted. Loan users can be divided into bank loan users and online loan users.
Can loan officers get the data of primary loans?
Loan officers can obtain first-hand loan data, and institutions at different levels will have different channels to obtain corresponding loan data.