1. Who knows more about the bank appraisal price of second-hand housing loans?

Expand all To apply for a second-hand housing mortgage loan, the lender needs to meet the following conditions:

1. Chinese residents with local urban permanent residence or valid residence status, aged 18-65 years old ;

2. Have a stable ability to repay the principal and interest of the loan during the working period;

3. Have self-raised funds of more than 20% of the total price of the house purchased, and guarantee that it will be used to pay for the purchase. The down payment for a house;

or a pledge, or a unit or individual with sufficient solvency as a guarantor;

5. The price of the house purchased basically meets the requirements of the bank or the bank entrusted by the bank Appraisal value from the real estate appraisal agency;

6. Other conditions specified by the bank.

2. The appraisal price of a second-hand house by the housing authority or bank is generally the transaction price

Let me illustrate with an example: the quoted price of a second-hand house is 800,000 yuan. If If we calculate based on the 20% down payment, we need 160,000 yuan, plus 40,000 yuan in taxes and fees (when the house is over 50,000 yuan, so as to save personal tax and value-added tax), then this calculation will prepare more than 200,000 yuan That should be more than enough!

3. Who knows more about the bank appraisal price of second-hand housing loans?

Expand all To apply for a second-hand housing mortgage loan, the lender needs to meet the following conditions:

1. Chinese residents with local urban permanent residence or valid residence status, aged 18-65 years old ;

2. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan on time;

3. Have self-raised funds of more than 20 RMB of the total price of the house purchased. , and guarantee that it will be used to pay the down payment of the purchased house;

4. Have assets recognized by the bank as mortgage or pledge, or units or individuals with sufficient solvency to repay the principal and interest of the loan, and bear joint and several liability The guarantor of the responsibility;

5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the assessed value of the bank or the real estate appraisal agency entrusted by the bank;

6. Others stipulated by the bank condition.

4. The appraisal price of a second-hand house by the housing authority or bank is generally the transaction price

In second-hand house transactions, the appraisal price is usually about 70% of the transaction price of the house. Banks will lend based on the appraised value. The higher the appraised value, the higher the loan amount an individual can get, and the down payment pressure will be much less.

The three ministries and commissions require that banking financial institutions should strengthen the management of quotas and capital flows for comprehensive personal consumption loans, operating loans, credit card overdrafts and other businesses, strictly monitor the use of loans in accordance with the contract, and strictly prohibit the misappropriation of funds to purchase houses. .

For second-hand housing transactions, the “minimum value” of the online signed record contract price and the house appraisal price is used as the calculation base to determine the loan amount. At the same time, in order to strictly verify the authenticity of the transaction, a deed tax invoice must be submitted after the house is transferred, and the tax price must be consistent with the online signing price. If it is inconsistent, the loan will not be granted.

Extended information

On November 6, 2017, the Ministry of Housing and Urban-Rural Development, the People's Bank of China, and the China Banking Regulatory Commission jointly made arrangements to regulate housing purchase financing and strengthen countermeasures in the real estate field. A reporter from Chengdu Business Daily learned that this time the policies include strictly prohibiting real estate development companies and real estate intermediaries from illegally providing down payment financing for home purchases, and strictly prohibiting Internet financial institutions and companies from illegally providing "down payment loans" and other home purchase financing products or services?

At the same time, it is required to intensify the investigation and punishment of real estate development companies, real estate intermediaries, Internet financial institutions, companies, etc. that provide housing purchase financing in violation of regulations, and include illegal enterprises or institutions in the list of serious illegal and untrustworthy enterprises; Internet financial institutions, The illegal provision of financing by companies and other institutions is entered into the credit reporting system.