Personal housing provident fund loans can continue to be used for commercial loans to buy houses after buying houses, which belongs to portfolio loans.
Down payment for commercial loans: 70% of the appraised price of the house can be loaned for the first time (the appraised price is generally lower than the market price). For example, the market price of a house is 2 million, and the appraised price is 6.5438+0.8 million. The maximum loan can be 6.5438+70% of 0.8 million, that is, 6.5438+0.26 million, and the remaining house price is 2 million-6.5438+0.26 million = 740 thousand, and the interest rate is discounted (the benchmark interest rate is 85%).
Note: commercial loans recognize both houses and loans: it depends on whether there is real estate under the family name and whether there is a loan record before. Even if the property has been sold, or the mortgage has been paid off, it should be recorded (for example, the residential property has been sold; Or once had a residential property, and had a loan, and the loan has been paid off, the house has been sold to others, and now there is no house under its name, which is counted as a record. Buying a house through a commercial loan counts as two sets).
At present, the latest commercial loan interest rate of 20 15. 10 is 4.9%.
Provident fund down payment:
When you buy a house for the first time, you can get a loan to evaluate 80% of the house price (within 90 square meters, 70% for loans over 90 square meters).
Note: If the provident fund is not rated, you can only borrow 800,000 yuan at most, but it depends on the amount and proportion of your provident fund deposit.
At present, the latest provident fund loan interest rate of 20 15. 10 is 3.25%.
The "first suite" must meet three conditions at the same time: the purchaser 18 years old; The house you bought is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%); There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or resettlement are excluded.
Second, is the use of provident fund loans a family purchase?
It is a family that has used housing provident fund loans to buy a house.
The provident fund loan is based on the family (including the spouse, who can already buy a house in the name of an independent social person and is not bound by the family unit). Your parents' house is not in your name. You didn't use the housing provident fund loan to buy a house before, and the provident fund loan is based on the family (including the spouse, who can already buy a house in the name of an independent social person without being bound by the family unit).
3. When a husband and wife buy a house and use a one-person provident fund loan, do they need to check their credit records?
1, in the process of reviewing the borrower's loan, the bank takes the family as the unit and is married, so the bank will review you and your spouse during the review.
And your spouse's bad credit record may affect the loan to buy a house. 2. If the credit is seriously bad, then you can't borrow money to buy a house; If it is only overdue for several times, some banks agree to apply for loans, which is the default. 3, you need to check the credit information of both husband and wife first, and then go to the real estate cooperative bank to understand the specific loan policy. 4. In order to protect citizens' privacy, the People's Bank of China has taken five measures, namely, authorized inquiry, restricted use, information security, inquiry records and penalties for violations. Without the written authorization of citizens, no one can see the credit situation. Banks can only inquire about citizens' credit reports when handling loans, credit cards, guarantees and other businesses. If a bank inquires about citizens' personal credit information in violation of regulations, or uses the inquiry results for other purposes, it will be fined 1000 yuan to 30,000 yuan, and the suspected crime will be transferred to judicial organs. Note: The personal credit information system was established by the People's Bank of China. If you want to know your credit history, you can take your ID card to the People's Bank of China where you live. 4. Is it the first set to buy a house for my parents with my provident fund?
Hello, the withdrawal of provident fund does not affect your use of provident fund loans to buy a house. As long as it is the first time to use the provident fund loan to buy a house, even the second suite can still be calculated according to the first home loan, with a minimum down payment of 20% and a maximum loan of 600,000.