Preferential policies for bank loans

Interest-free depends on whether there are relevant provisions in local policies, but we can buy a house directly if we participate in interest-free activities, and the so-called interest-free is a discount from the state finance. Interest-free mortgage loans are generally divided into three situations:

1. The purchaser is a high-end talent who meets the national regulations and can apply for a lower mortgage interest rate;

2. The purchaser has applied for * * * property housing and affordable housing, and the policy helps the purchaser to pay part of the purchase funds;

3. There are preferential policies for the first suite in the area where the buyers are located.

Interest-free mortgage is a policy after tax reform. Six special deductions have been added to the policy, including the interest-free policy for the first suite. The longest interest reduction period is no more than 240 months, and the interest can be fully reduced by 240,000 yuan. However, it should be noted that this is a special subsidy provided by the state. Not all first-home buyers in all cities can enjoy this subsidy, and they need to meet all the conditions stipulated by the state. At present, 14 cities have introduced relevant subsidy policies, but they are still divided into different levels. According to the level of undergraduate education, the amount of subsidies is gradually increased.

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1.*** Property right house refers to the property right jointly held by the state and individuals, which is generally "fifty-fifty" or "thirty-seven", and citizens can "redeem" the property right. The price of this kind of house is usually relatively low, the quality is not lower than that of commercial housing, and it is friendly to low-income families.

2. As long as the lender meets the conditions stipulated by the state, it can be handled, but the conditions in different places are slightly different, and the local bank shall prevail. In fact, interest-free does not mean that there is really no interest, just because there is policy support. The general process is that the government and the bank lend together, and then the Ministry of Finance pays the interest to your bank, so it becomes an interest-free loan when it falls on this group of people.

3. Interest-free loans are interest-free loans. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions under agreed conditions.

Chongqing first home loan policy

The soaring housing prices in Chongqing have brought great pressure to buyers. Everyone wants to buy a house they like, but it is too difficult for ordinary office workers. Buying a house by loan is a very popular practice now, and the first home loan can enjoy many preferential policies. Let's learn about Chongqing's first home loan policy!

Chongqing first home loan policy

1. You can enjoy the preferential mortgage interest rate when you buy the first suite, but you must be at least 18 years old when you buy the first suite, and you can enjoy the preferential deed tax rate of 1% when you buy an ordinary house of 90 square meters or less.

2. There is no separate house under the name of the buyer, except the house purchased and placed with parents.

According to the current national preferential policies, you can enjoy a 30% down payment discount when buying the first suite, but it is difficult to get a 30% down payment discount due to the continuous increase of bank deposits and interest this year.

What is the down payment ratio of the first suite in Chongqing?

1. The first suite takes the family as the unit and adopts commercial loans, which can reach 70% of the appraised house price. (The appraised price is lower than the market price, for example, the market price of a house is 654.38+00,000 yuan, and the appraised price is only 800,000 yuan, so 70% of 800,000 yuan can be loaned, that is, 560,000 yuan, and the remaining house price is 440,000 yuan as the down payment).

2. If you buy a house for the first time, you can get a loan of 80% of the appraised house price, provided that the house area is within 90 square meters, and if it exceeds 90 square meters, you can get a loan of 70%. According to the adjustment, at present, only 75% of the cities that are not limited to purchase can borrow for the first time, and the provident fund has no rating, and generally only 800,000 loans can be made.

3, the purchase of the first suite can also be discounted on the interest rate, which is 15% off the benchmark interest rate. Now, commercial loans to recognize housing and loans not only depend on whether there is real estate under the family name, but also on whether there is a loan record before.

Bian Xiao concluded: The content of Chongqing's first home loan policy is simply introduced here, hoping to help everyone! The first home loan has certain preferential policies. You can learn more about the preferential policies before buying a house.

Preferential policies for the first home loan in 2022

The lower limit of the interest rate of the first commercial personal housing loan is adjusted to not less than the quoted interest rate of the loan market minus 20 basis points. According to the latest (i.e. April 2022), the price quoted above April is 4.6%, that is, the interest rate of the first home loan is not less than 4.6%. The interest rate of the first home loan can be as low as 4.4%.

If the interest rate of the first home loan is reduced, if it has been purchased, it will not reduce the interest rate, which means that it has no impact on the owners who have already purchased the house.

This policy adjustment is mainly aimed at newly issued commercial personal housing loans, and the interest rate of existing commercial personal housing loans is still implemented according to the original contract.

This means that the adjustment range of the lower limit of the interest rate of personal housing business loan does not include the second suite, and it does not apply to individual families who have applied for the mortgage loan of the first suite.

Are there any preferential policies for housing loans and mortgage loans for the disabled?

Whether disabled or normal, as long as they meet the loan conditions, they can apply for a buyer's mortgage loan, but there is no preferential policy.

Mortgage can be divided into existing mortgage and unfinished mortgage. Mortgage of existing buildings means that borrowers borrow money to buy existing buildings and use the purchase of existing buildings as collateral. The mortgage of uncompleted residential flats is a mortgage loan provided by financial institutions to buyers who purchase uncompleted residential flats (buildings pre-sold in whole, in layers or units before completion) with the borrower's rights as collateral according to the purchase contract.

Extended data

The specific procedures for property buyers to apply for real estate mortgage are as follows:

(1) Property buyers who want to obtain real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn in advertisements or through the introduction of sales staff that some projects can apply for mortgage loans, they should further confirm whether the real estate developed and built by developers has obtained the support of banks to ensure the smooth acquisition of mortgage loans.

(2) After confirming that the selected property is supported by bank mortgage, the buyer applying for mortgage loan should know about the bank's regulations on mortgage loan support to the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form.

(3) The bank that signed the house purchase contract receives the relevant legal documents of the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

(4) After signing the house purchase contract and obtaining the payment voucher, the buyer will sign the Building Mortgage Loan Contract with the developer and the bank with the relevant legal documents stipulated by the bank, specifying the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan.