The expenses of the first-hand house include: interest, legal fees and insurance (housing). The expenses of second-hand houses include: interest, real estate transaction tax (different rooms and different areas may be different), house evaluation fee and insurance fee.

2. What is the loan amount of Nanning Provident Fund? What are the loan terms?

Now many young people in Nanning will consider using provident fund loans when buying a house. Below, let's take a look at what conditions Nanning provident fund needs to meet when buying a house.

Letter of credit clause

1, paid in full and on time for more than 6 consecutive months).

2. Have a stable occupation and income and a good credit status.

3. Have the ability to repay the loan principal and interest on schedule.

There are laws and regulations.

5. 20% down payment for houses that have delivered more than 20%, and re-apply for 30% down payment; 30% down payment for portfolio loans without outstanding commercial loans and 30% down payment for portfolio loans with outstanding commercial loans.

Loan procedure

1, apply. The borrower holds his ID card to the nearest housing provident fund loan application form, and fills in and submits the required valid certification materials at the same time. Our center will make a decision on whether to lend within 10 working days from the date of acceptance.

2. After signing the loan contract, the borrower entrusts the contract to the center and goes to the Housing Authority for mortgage registration.

3. Allocate loans. After the loan contract comes into effect, the loan funds will be transferred to the account of the selling unit according to the loan contract.

credit terms

1. The borrower must still

2. The main structure of the house purchased by the borrower must be capped.

Loan type

Low-interest policy loans issued to employees who purchase self-occupied housing can be used to purchase ordinary self-occupied housing such as commercial housing, affordable housing, fund-raising housing, dilapidated housing reform housing, second-hand housing and self-built housing.

2. When the portfolio loan is used to pay for the house purchase, you can also apply for funds to supplement the house purchase funds.

3. Loans from different cities in Beibu Gulf Economic Zone: Nanning and Beihai. Workers who have paid housing in four cities can apply for loans from different places and implement the policy of urbanization.

Loan amount and term

1. The loan amount shall not exceed 80% of the total purchase price, and the maximum loan amount shall be 600,000 yuan.

2. The loan term is 1-30 years.

loan rate

The loan interest rate is divided into two grades: the annual interest rate for loans with a term of less than five years (including five years) is 3.00% (the monthly interest rate is years and the annual interest rate is 3.50% (the monthly interest rate is 2.9 17‰), and the benchmark interest rate is used for housing provident fund loans for the second time.

Comparison table of repayment amount of individual housing provident fund loans and commercial loans per 10,000 yuan: yuan.

(This table is based on the interest rate announced by the People's Bank of China on June 28th, 20th15th) Nanning Housing Provident Fund Management Center.

Qing Xiuying: 33239 15 Xixiangtang Business Department: 329 1400 Jiangnan Business Department: 4853560

Yongning Sales Department: 472 1247 Liangqing Sales Department: 4953290 Binyang Sales Department: 8235683 Wuming Sales Department: 62 16675.

Dragon Eye: 52 1 14 18 Mashan Management Department: 6824572 Hengxian Management Department: 7232 139.

Business consultation hotline: 123

(The above answers were published on 20 15- 10-26. Please refer to the current actual purchase policy. )

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Iii. New Housing Loan Policy in Nanning 202 1

Legal analysis: second-hand housing loans need to be applied to commercial banks. After the loan is issued, it will be directly used to pay for the house purchase, and then the buyers will repay the money to the bank in installments. Step 1 Prepare relevant loan application materials such as income certificate. Submitted to the bank for review, the second step is to evaluate the second-hand house, mainly to evaluate the value, and the third step is to pay the down payment for the house and handle the transfer procedures.

Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC). If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

4.202 1 how long can Nanning lend money when buying a second-hand house?

According to experience, this year's audit of CCB is extremely strict. If it is fast at ordinary times, the mortgage will be released in about 30 days. I once took part in the mortgage of other warrants in June 5438+February 65438+May 2020. It was not until February 2, 20021year that the bank lent money, which took more than 40 days. The loan bank is China Construction Bank.