At present, banks have a variety of loan methods. Many people are more concerned about the amount of provident fund loans, but they still don't know enough about the details. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets. So what are the loan conditions for the first home in Qingyuan, and what is the loan amount for the first home in Qingyuan?
At present, banks have a variety of loan methods. Many people are more concerned about the amount of provident fund loans, but they still don't know enough about the details. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets. So what are the loan conditions for the first home in Qingyuan, and what is the loan amount for the first home in Qingyuan?
What are the loan conditions for the first home in Qingyuan?
Qingyuan first home loan must meet the following conditions, and prepare the following information:
1. application form (explain the application reason, account number, detailed bank name, account name and contact information).
2. Qingyuan personal income tax payment certificate (1February, the declaration will be made from the month when the mortgage principal and interest are paid for the first time, and so on).
3. Details of the mortgage principal and interest of Qingyuan Bank (from the month when the mortgage principal and interest are paid for the first time 12 months, the declaration will be made again, and so on).
4. The only proof of housing (proof of purchase issued by the real estate transaction management institution where the house is purchased). If there are two names on the property ownership certificate, it is necessary to prove that both of them are unique houses.
5. A copy of the title certificate.
6. Copy of ID card.
7. A copy of the loan contract of Qingyuan Bank.
8. A copy of the purchase contract for the first suite in Qingyuan.
It should be noted that the transaction price in Qingyuan second-hand housing purchase contract should be greater than or equal to the transaction price of loan contract (or mortgage and evaluation price), otherwise it will not meet the reporting conditions.
What is the loan amount for the first home in Qingyuan?
1. The loan amount of the first home provident fund in Qingyuan is affected by the following factors: down payment ratio, house appraisal value, loan ceiling, construction area, monthly income and monthly deposit, account balance, borrower's age, deposit base, etc. Among them, the down payment ratio, loan amount and deposit base are slightly different from place to place.
2. Qingyuan first home commercial loan amount: The factors that affect the commercial loan amount include down payment, house appraisal value, borrower's repayment ability, personal credit information, house age, etc. It should be noted that the requirements of banks for repayment ability are relatively consistent, with monthly income ≥ monthly mortgage payment X2. Other factors vary from bank to bank.
3. For example, in terms of room age, it usually requires 20-25 years, a looser bank will require 30 years, and a stricter one is only 15 or 10 years.
4. In short, before applying for the first home loan in Qingyuan, you must first understand the relevant policy requirements through banks and provident fund centers, and buyers will make choices according to their own circumstances.
After reading the relevant introduction above, everyone has a further understanding of the loan conditions of the first suite in Qingyuan. The first suite can enjoy certain loan concessions. Generally speaking, most buyers only need to pay a relatively low down payment. Most banks need to prepare the first suite certificate when providing housing loans, which needs to be issued by the real estate bureau in advance.
2. How much can I apply for a loan in Qingyuan to buy a house for the first time?
You can apply for 70% of the house price as a loan, which means a down payment of 30%, and the interest rate of the first suite is 7.5-8 fold.
First-hand housing mortgage loan application materials (1) identity documents;
(2) proof of marital status;
(3) proof of repayment ability and income;
(4) documents proving that the down payment for house purchase has been paid;
(5) A legally binding commercial housing sales contract signed with a real estate developer;
(6) If there is * * * borrower or * * * owner, the borrower or * * * owner shall provide relevant identity documents and the commitment to agree to mortgage, and if there is * * * borrower, it shall provide proof of repayment ability;
(seven) other information required by the bank.
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Three. What is the latest benchmark interest rate for commercial loans in 2023?
What is the interest rate of housing loan in 2023? At present, the benchmark interest rate of commercial loans is 4.90%, and the loan period exceeds 5 years. Affected by the policy of restricting purchases and loans, local banks have adjusted the interest rate of the first home loan to varying degrees. The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%. The number of mortgage loans for the second suite is determined by the borrower's family (including the borrower, spouse and minor children). Families who use provident fund loans or commercial loans to buy houses apply for mortgage loans again, which is regarded as two suites. Will the interest rate of buying a house rise in 2023? Not necessarily. 202 1 people who bought houses in the first half of the year were really sad. Not only did house prices stand at the historical peak, but interest rates also stood. At the peak of recent 10 years, the mortgage interest rate of the core first-tier cities in the first-tier cities is relatively acceptable, hovering around 5.58%, and the mortgage interest rate of the second-tier cities is basically close to 6%, and some cities even reach 6.38%. In 2022, interest rates were lowered again and again. In 2022, the interest rate of the first suite in many cities in China will be 4. 1%. In addition, in the latest policy, cities with a year-on-year decline in the new version of the transaction volume and transaction price from June to August can adjust their own interest rates. For example, the interest rate of the first suite in Qingyuan is 3.7%, and the interest rate of the first suite in some cities is even lowered to 3.6%, which is the lowest interest rate in history. At this time, some people are crazy about it.
1, and the current 5-year LPR interest rate is still 4.3%.
2.4. 1% will not be implemented next year, because the business bonus will be -0.2 in 2022, and the business bonus will be recalculated in 2022 (the details are still unclear).
3. The interest rate will not rise to 4.7%~4.9% next year, and will be lowered by 0.25% on February 5, 2022. The interest rate of 0. 15% was lowered immediately after 20th this year. By the end of 2022, our mortgage interest rate is expected to fall below 4%, and the current forecast should be 3.95%.
In 2023, the economic growth rate is expected to increase to 5%. However, in a depressed environment, funds are still needed to be active in the market, so the interest rate will not rise sharply in a short time, and in order to encourage everyone to promote market funds, the interest rate will be further lowered. Is there any subsidy for the government to buy a house in 2023? There are three main sources of funds for housing subsidies: first, housing funds allocated by the state; The second is the unit that sells funds; The third is the funds raised by the unit through various channels. The basic forms of housing subsidies are: one-time housing subsidies, basic subsidies plus one-time subsidies and monthly subsidies.
1, a one-time subsidy, mainly for old employees who don't have a house, which is paid in one lump sum when employees buy a house.
2, basic subsidies plus one-time subsidies, in accordance with the housing area standards of ordinary employees, the basic subsidies will be gradually distributed, and the difference between cadres at all levels and ordinary employees due to the difference in housing subsidy area standards will be paid in one lump sum when buying a house.
3. The monthly subsidy method is mainly aimed at new employees, and it is paid monthly within the housing subsidy payment period.
Legal basis:
According to the Interim Measures for Special Additional Deduction, if a taxpayer or his spouse uses a personal housing loan from a commercial bank or housing provident fund to buy a house for himself or his spouse in China, the interest expenses incurred in the first housing loan shall be deducted according to the standard quota of 1 000 yuan per month in the year when the loan interest actually occurred, and the maximum deduction period shall not exceed 240 months.
4. What is the social security payment of flexible employees in Fogang, Qingyuan?
About 1020/ month.
The payment base of Qingyuan old-age insurance has been adjusted since July 20021year. The lower limit of the payment base is adjusted to 3,800 yuan, and the corresponding pension insurance payment rate for flexible employees is 20%, and the payment amount is 760 yuan. The base of medical insurance payment for flexible employees is 2906 yuan, the payment ratio is 8%, and the payment amount is 232.48 yuan; The base of supplementary medical payment is 2248 yuan, the payment ratio is 1.2%, and the payment amount is 26.98 yuan. The above total payment amount is 10 19.46 yuan.