Shenzhen provident fund second home loan quota Shenzhen provident fund second home loan policy

Down payment ratio of second suite in Shenzhen

Shenzhen's economic development level has always been in a leading position, and housing prices are only high. Now more and more people borrow money to buy a house. In order to suppress housing prices, the government issued a purchase restriction order. It is still not easy to buy the down payment ratio of the second suite. Let's take a look at the down payment ratio of the second home in Bian Xiao.

Down payment ratio of second suite in Shenzhen

1. The down payment ratio of the second suite shall not be less than 70%. After the property market is restricted, the main content is to restrict the purchase of the second and third sets of commercial housing. No city is different, whether it is full payment or loan.

2. After the Shenzhen purchase restriction was issued. It is stipulated that non-Shenzhen household registration purchases will be raised from 3 years of social security to 5 years; If you already have a house of 1, the down payment ratio will be increased to 70%.

3. The purchaser has no housing in Shenzhen, but has a record of commercial housing loan or provident fund housing loan, and the down payment ratio of the loan is not less than 50%; If the purchaser owns 1 house in this city, the down payment ratio of the loan shall not be less than 70%.

Can I buy a second suite with a provident fund loan in Shenzhen?

1. According to the loan regulations, employees who have paid housing provident fund in Shenzhen can apply for provident fund loans in accordance with the regulations; You can still apply for a provident fund loan to buy a second commercial house. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate.

2. The provident fund only recognizes the real estate under the applicant's current name, and does not calculate the history of owning real estate and mortgage loans. If you bought a commercial house by mortgage before and then sold it, now you are going to buy a new commercial house (residence), and apply for provident fund loan or the first suite.

Summary of the article: the down payment ratio of the second suite in Shenzhen. The down payment ratio of the second suite is not less than 70%; After the introduction of the Shenzhen purchase restriction order. It is stipulated that non-Shenzhen household registration purchases will be raised from 3 years of social security to 5 years; If there is already 1 house, the down payment ratio will be increased to 70%; The purchaser has no housing in Shenzhen but has a record of commercial housing loan or provident fund housing loan, and the down payment ratio of the loan is not less than 50%; If the purchaser owns 1 house in this city, the down payment ratio of the loan shall not be less than 70%.

What is the interest rate for buying a second home loan in Shenzhen now?

What is the interest rate of the second home loan in Shenzhen?

Hello, if a second-home worker family in Shenzhen buys the first home and applies for provident fund loan, the loan interest rate is still the benchmark interest rate of individual housing provident fund loan (3.25% for more than 5 years and 2.75% for less than 5 years); If an employee's family already owns 1 set in Shenzhen and applies for provident fund loan again, the loan interest rate is 1. 1 times the benchmark interest rate of individual housing provident fund loan.

How to identify the second suite in Shenzhen?

1, own housing for adult children to buy a house. If the name of the adult child is written on the property certificate under the parents' name, buying a house for the child is the second set; Otherwise, it is a set.

2. If you own a house, you can buy it again in the name of minor children. According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

3. When you are a minor, you have a property under your name, and then you can borrow money to buy a house when you are an adult. According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set.

4. Buy a house in full, and then borrow money to buy a house. In the past, it only "recognized the loan", not counting the second suite, but now it has added "recognized the house". Although there is no loan, as long as you can find the property under your name in the housing property rights trading system, you will be recognized as a second suite if you don't sell it or lend it.

I hope I can help you.

How much is the down payment for the second-home provident fund loan?

For individual housing provident fund loans in China Bank, the maximum amount of a single housing provident fund loan is 500,000 yuan. The applicant and the co-applicant jointly apply, and the co-applicant participates in the quota calculation. The maximum amount of a single housing provident fund loan is 900,000 yuan. Down payment ratio: if the employee's family pays the housing provident fund loan to purchase the first suite of ordinary self-occupied housing, the down payment ratio is 30%; The housing provident fund that owns 1 house and has settled the housing provident fund loan is paid to the employee's family, with the purpose of improving the living conditions, and the down payment ratio is 70%. Buying three suites does not accept provident fund loan applications. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

Can I use the provident fund loan to buy a second suite after March 1 20 17?

If you apply for a personal housing provident fund loan in Shenzhen China Bank, the down payment ratio for buying a second suite is generally:

1) If an employee's family purchases the first house, the down payment ratio shall not be less than 30%;

2) The down payment ratio for purchasing the second suite shall not be less than 70%;

3) Those who apply for provident fund portfolio loans must also comply with the credit policies of commercial banks.

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

What is the down payment ratio of the second suite in Shenzhen? Can I buy a second suite with a provident fund loan in Shenzhen?

Buying a house is not a trivial matter. For those who need a house, a house is the beginning of life. If you already own a house in Shenzhen, you are ready to start a second house because of housing demand or investment, but you are afraid of less savings. What is the down payment ratio of the second suite in Shenzhen? Can I buy a second suite with a provident fund loan in Shenzhen?

Buying a house is not a trivial matter. For those who need a house, a house is the beginning of life. If we already own a house in Shenzhen, we are ready to start a second house because of housing demand or investment, but we are afraid that our savings are not enough to pay the down payment for the second suite, so we want to know the approximate proportion of the down payment. Can I tell you the down payment ratio of the second suite in Shenzhen? Can I buy a second suite with a provident fund loan in Shenzhen?

Down payment ratio of second suite in Shenzhen

1, the down payment ratio of the second suite is not less than 70%. The property market purchase restriction order is a family-based policy, which restricts the purchase of houses in cities where house prices are rising too fast at present. The main content is to restrict the purchase of the second or third set of commercial housing, regardless of the full amount or loan, different cities are slightly different.

2. Shenzhen's strict purchase restriction was issued. It is stipulated that non-Shenzhen household registration purchases will be upgraded from 3 years of social security to 5 years; With 1 apartment, the down payment ratio will be increased to 70%. Judging from the centralized and comprehensive introduction of property market regulation policies in various places, second-tier cities are the main ones, which are basically cities with higher housing price increases in the previous period.

3. According to the notice, households with registered residence in Shenzhen (including those whose family members are registered residents in Shenzhen) continue to implement the policy of restricting the purchase of two sets of housing; Adult singles with Shenzhen household registration (including divorced) are restricted to purchase 1 house in this city; Non-local registered families who can provide proof of continuous payment of personal income tax or social insurance in this city for five years or more from the date of purchase are restricted to purchase 1 house; Overseas institutions and individuals should purchase houses in strict accordance with relevant policies.

4. In terms of credit policy, the New Deal of Shenzhen property market stipulates that if the family buying a house has no housing in Shenzhen and has no commercial housing loan record or provident fund housing loan record, it will continue to implement the policy of reducing the down payment ratio by 30%.

5. If there is no house in Shenzhen under the name of the purchaser's family, but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio of the loan shall not be less than 50%; If the purchaser owns 1 house in this city under the family name, the down payment ratio of the loan shall not be less than 70%.

Can I buy a second suite with a provident fund loan in Shenzhen?

1. According to regulations, employees who have paid housing provident fund in Shenzhen can apply for provident fund loans in accordance with regulations; You can still apply for provident fund loans when you buy a second commercial house (residence). The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.

2. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses. In addition, the definition of the first suite and the second suite is different from the commercial bank's standard of "recognizing the house and recognizing the loan", and the provident fund will "only recognize the house and not recognize the loan".

3. The provident fund only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans. If you bought a commercial house (residence) by mortgage before and then sold it, now you are going to buy a new commercial house (residence), and apply for provident fund loan or the first suite.

The above is the down payment ratio of the second suite in Shenzhen that I introduced? Can I buy a second suite with a provident fund loan in Shenzhen? As can be seen from the above, the down payment for buying a second house in Shenzhen is not very low, so you need to measure whether your funds are sufficient and whether the funds can be realized by paying taxes and decorating. Avoid lack of funds.

What are the latest regulations of Shenzhen second-home mortgage policy?

The minimum down payment ratio of the second suite is adjusted to not less than 40%. Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, with a minimum down payment of 20%; Families who own a house and have settled their loans apply for housing provident fund to buy a house again, with a minimum down payment of 30%. Previously, the second home loan implemented the policy of "the down payment ratio is not less than 60% and the loan interest rate is not less than 1. 1 times of the benchmark interest rate".

Let's stop here for the introduction of the second home loan policy of Shenzhen Provident Fund.