20 19 detailed explanation of Luoyang second-hand housing loan policy?

1.20 19 detailed explanation of Luoyang second-hand housing loan policy?

Calculate how much it will cost to decorate your home. Luoyang is a prefecture-level city in Henan and an ancient capital of history and culture. At present, Luoyang has also implemented some housing purchase policies, including the mortgage policy. So what is the detailed explanation of 20 19 Luoyang second-hand housing loan policy? Next, Bian Xiao will introduce relevant contents to you. Let's have a look. 20 19 detailed explanation of Luoyang second-hand housing loan policy? 1. On-the-job employees who have purchased second-hand houses and paid the housing provident fund in full for more than 6 months can apply for personal housing provident fund loans. 2. The second-hand house purchased by Luoyang residents belongs to the first suite, and the minimum down payment ratio is 20% if the area does not exceed 90 square meters; If it is a second suite, the minimum down payment ratio is 50%; If it is the third suite, the bank needs to approve whether to lend according to the house price. In other cases, the minimum down payment is 30%. 3. The loan amount is calculated according to the borrower's repayment ability, personal account balance and deposit time. If the construction period of the purchased house is less than 5 years, the loan amount is 80% of the total house price (contract transaction price). If the construction period is 6 to 10 years, the loan amount is 70% of the total house price. The loan amount exceeding 1 1 year is less than 60% of the total house price. 4. The loan term for male employees is under 65 years old and that for female employees is under 60 years old. The longest loan period is 20 years. The specific loan term is 30 years MINUS the age of the house purchased, but the longest is no more than 20 years. 5. Loan interest rate: loan interest rate for the first home: 2.75% for 5 years and 3.25% for 6 -30 years. Second home loan interest rate: higher than the first home loan interest rate 10%. What materials should be prepared for Luoyang second-hand housing loan? 1, copy of the identity certificate of the loan applicant and spouse, copy of the property owner, copy of the household registration certificate and copy of the marriage certificate. 2. Copy of the original identity certificate, marriage certificate, commitment letter for selling houses and uncontroversial commitment letter of the seller, spouse and real estate owner. 3. Copies of real estate license and land certificate before transfer. 4. Original Luoyang real estate sales contract, etc. Abstract: The above is a detailed explanation of Bian Xiao's 20 19 Luoyang second-hand housing loan policy, hoping to help some friends in need. Enter the area and get the decoration quotation for free. Enter the area and get the decoration quotation for free.

Second, Luoyang restricted second-hand housing policy

20 19 detailed explanation of Luoyang second-hand housing loan policy?

1. On-the-job employees who have purchased second-hand houses and paid the housing provident fund in full for more than 6 months can apply for personal housing provident fund loans.

2. The second-hand house purchased by Luoyang residents belongs to the first suite, and the minimum down payment ratio is 20% if the area does not exceed 90 square meters; If it is a second suite, the minimum down payment ratio is 50%; If it is the third suite, the bank needs to approve whether to lend according to the house price. In other cases, the minimum down payment is 30%.

3. The loan amount is calculated according to the borrower's repayment ability, personal account balance and deposit time. If the construction period of the purchased house is less than 5 years, the loan amount is 80% of the total house price (contract transaction price). If the construction period is 6 to 10 years, the loan amount is 70% of the total house price. The loan amount exceeding 1 1 year is less than 60% of the total house price.

4. The loan term for male employees is under 65 years old and that for female employees is under 60 years old. The longest loan period is 20 years. The specific loan term is 30 years MINUS the age of the house purchased, but the longest is no more than 20 years.

5. Loan interest rate: loan interest rate for the first home: 2.75% for 5 years and 3.25% for 6 -30 years. Second home loan interest rate: higher than the first home loan interest rate 10%.

3. What are the conditions for buying a new house or a second-hand house with a loan in Luoyang? (Note: I am outside. ...

Pre-guarantee or developer guarantee makes you fondle admiringly and stay.

4. What are the loan procedures and handling fees for second-hand housing provident fund in Luoyang?

Applicants who purchase second-hand houses should submit the following materials to the provident fund management center: 4 copies of the borrower's ID card; 1 household registration book; Loan application form; 1 house sales contract; 2 evaluation reports; 2 copies of the transferred house ownership certificate and ownership certificate; Copy of duty-paid invoice 1 copy; And sign a loan contract after paying relevant fees (guarantee fee, mortgage registration fee, agency fee, etc.). ).

Handling process: the applicant holds a notarized second-hand housing sales contract to the housing provident fund management center (hereinafter referred to as the center) to receive the loan application form; The applicant shall go to the center to review the loan amount and calculate the payable expenses with the ID card, household registration book, completed loan application form, house sales contract, transferred house ownership certificate, evaluation report and other materials of himself and the auxiliary borrower; Submit information; The applicant draws money at the bank window of the center on the specified date and receives the receipt.