Are there any discounts on housing loans now, Zhihu?

Different banks have certain floating rights, and banks will make appropriate adjustments according to their own deposits and loans, and the internal interest rate adjustment of banks has certain stages. It's hard to explain them all. Mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. China's housing loan interest rate discount is not always constant, but often changes, in the form of rising interest rates, so we often compare the situation before and after the interest rate increase.

Can the mortgage interest rate be discounted now?

In the process of buying a house, I have already enjoyed the discount, and the loan can't be discounted at all, because it is a bank loan.

What are the preferential policies for buying a house?

The preferential policies for buying houses are mainly divided into the reduction of down payment ratio, the reduction of loan interest rate and the looser loan policy.

1, the down payment ratio is lowered. The adjustment of the down payment ratio is reflected in many aspects, such as the down payment ratio of the first suite and the second suite.

(1) The down payment for buying a house with provident fund loans has been reduced. Housing provident fund loans to buy a house have lower interest than commercial loans to buy a house, and the down payment ratio is also lower.

(2) The down payment ratio of commercial loans is reduced. The low down payment ratio for purchasing the first suite through commercial loans is reduced to 25% (city). According to the notice published on the website of the central bank, in some cities, residents who use commercial personal loans to buy ordinary houses for the first time have a low down payment ratio of 25%.

2. The loan interest rate is lowered. In 20 15, the central bank adjusted the loan interest six times, which is a major event. In any case, these policies are beneficial to the people.

3. The loan policy is relaxed. The state-owned provident fund loan policy has been relaxed. When calculating the application amount, if the account amount is less than 70,000 yuan, it will be calculated as 70,000 yuan, and the low amount will be increased by 200,000 yuan. In addition, the loan repayment period can be extended to 5 years after the borrower's statutory retirement age, and the long-term loan period is 30 years.

4. Promote the purchase of houses in different places. Further liberalize and promote the loan business in different places. Workers who deposit their houses in areas other than the place of deposit may apply for personal housing loans to the housing provident fund management department of the place of purchase in accordance with the housing provident fund personal housing loan policy.

Is there any discount for volunteers to buy a house loan in 2020?

There is no discount for buying a house loan. As long as you meet the loan conditions, you can apply for a loan. If you have paid the provident fund, you can apply for a house loan in the form of provident fund.

Housing loan.

Housing loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan. The process of buying a house by loan is: preparation before house inspection-field house inspection-lottery, house selection-subscription, down payment-online signing, contract signing, down payment-loan-house inspection-tax payment-house book. These processes will be described in detail below.

The specific process of buying a house with a loan

(1) Before preparing to look at the house, you must first determine the type of real estate you want to buy, and then allocate funds reasonably according to the type of house you want to buy.

(2) See the house on the spot to understand the specific situation of the whole building. If you buy an existing house, you can intuitively see the structure and apartment type of the house, and you can also ask the property consultant about the surrounding facilities and planning and construction. If it is an auction house, you can only look at the floor plan to understand the structure of the house. As the surrounding facilities are still under planning, property buyers can check the surrounding planning documents.

(3) house number arrangement and house selection. For some centrally opened properties, developers will require buyers to number the houses, and then choose houses according to certain rules when the real opening day comes. When choosing a house, buyers can make a backup plan in advance, mainly from the following six aspects, including location, price, surrounding municipal planning, environmental support, housing structure and orientation, and property management.

(4) Subscription and deposit Before choosing the house to be subscribed, the buyer needs to prepare the materials for the qualification review of the house purchase in advance, sign the subscription book and hand it over to the staff of the developer. At the same time, a part of the deposit will be paid at the time of subscription. The deposit has a receipt (UnionPay receipt), and the amount paid by the deposit does not exceed 20% of the total house price specified in the contract.

⑤ After the online signing, signing and down payment are submitted to the house purchasing qualification review, the review results will be issued within 10 working days. If approved, the developer will inform the buyers to sign the purchase contract. (Xianfang: Xianfang sales contract; When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the rights and obligations in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, and whether the delivery date and delivery standard are clear. Pay the down payment. Generally, there will be a pos machine in the sales office. The UnionPay receipt paid by credit card should be kept away, waiting for the developer to issue the down payment invoice. Usually you can get it on the same day.

⑥ Loan If a bank staff is stationed in the sales office, the buyer can hand over the prepared materials to the bank. The lending time is related to the processing speed of banks and the capping of buildings. Take Beijing as an example. In the case of auction, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of state-managed provident fund loans has nothing to do with capping or not.

⑦ Buyers need to wait for the developer's notice to close the house, and pay attention to the closing time. When inspecting the house, you should carefully check every detail of the house, or you can find a professional to inspect the house. Look up "three certificates, two books and one table" If the developer can't produce these documents, he can refuse to accept the house.

After paying taxes and collecting the house, you need to go to the local taxation bureau to pay taxes. Generally speaking, commercial housing needs to pay deed tax and residential special maintenance fund, and then pay property fees, heating fees, parking spaces and other fees.

Pet-name ruby for housing loans to buy a house, property buyers just need to hand over the preparation materials to the developer. Under normal circumstances, the housing will be released within 180 days (existing house) -270 days (forward house) from the date of occupancy.

Matters needing attention in buying a house by loan

1 Personal credit record A good personal credit record is very important. If there is a six-month overdue record for three consecutive months, then basically the bank will not give you a loan.

2 proof of income the proof of income should cover twice the liabilities in the name of the individual, and the month of bank flow should be issued according to the requirements of specific banks.

(3) Keep the shopping invoice. Invoices for housing loans include down payment invoices and loan invoices. If you buy an existing house, you need to pay taxes with these two invoices when you pay taxes; If the purchase is faster, there is a difference in area, developers will generally re-open a down payment invoice to recover the previous invoice. If the down payment invoice is accidentally lost, the developer will not change the invoice, and the buyer needs to go through the formalities of missing the invoice, because there is no way to make up the invoice.

4 provident fund loans It should be noted that provident fund loans need to be paid in full for 12 months continuously, and they are still being paid before applying for loans. Compared with commercial loans, provident fund loans take a relatively long time.

What are the preferential policies for buying a house for the first time?

Buying a house has always been a major event related to people's livelihood. Now most houses are bought by loans, so it is necessary to know the loan interest rate, repayment method and national preferential policies. These topics are also hot topics. So what preferential policies does the state have for first-time home purchase? This article will focus on introducing it for everyone. What are the preferential policies for rn to buy a house for the first time? rn 1。 Individuals can enjoy the deed tax rate reduced to1%when they purchase the first set of ordinary houses below 90 square meters for the first time; Rn2, temporarily exempt from land tax and stamp duty; Rn3。 The down payment will be adjusted to 20%; Rn4。 The housing provident fund loan interest rate can be lowered by 0.27 percentage points; Rn5。 Ordinary houses purchased for more than 2 years can be sold without paying business tax; Rn6。 Free of housing registration fees and transfer fees; Rn must meet three conditions when buying a house for the first time: rn 1, and the buyer must be 18 years old; Rn2。 For the area of the purchased house, it must be an ordinary residence below 90 square meters; Rn3。 There is no separate house under the name of the purchaser's family, except for houses purchased jointly with parents, acquired through inheritance, or purchased or resettled according to the housing reform policy. The definition of rn is to buy a house rn 1 for the first time, buy a suite with a loan, or settle a commercial loan, and buy a house with a second loan as the first set; Rn2。 If you buy a suite with a loan and then sell it, and the house registration system can't find the property, then you can buy a house with a loan-the first set. Rn3, bought a suite in full, and the loan to buy a house was the first set; Rn4。 One spouse has a house before marriage but no loan record, and the other spouse has a loan record before marriage but no real estate under his name. The first set is to buy a house and apply for a loan after marriage. Rn editor's summary: The above is the analysis of preferential policies for first-time home purchase. I hope it will help friends who buy a house for the first time. Before buying a house, please be sure to understand the preferential policies for first-time purchase and enjoy the preferential policies directly and easily.

The interest rate of the first home loan was "discounted" overnight. How much can I save by buying a house now?

The interest rate of the first home mortgage is discounted again. In some areas, the mortgage interest rate of the first home can be as low as 4.4%, and even the loan interest rate of the second home can be as low as 5.2%. This news is good news for buyers, because buying a house after the loan interest rate is discounted can really save more money. We can give an example to illustrate that if our housing loan amount is 654.38+0.5 million, the loan term is 30 years, and the loan method is to take principal and interest, then compared with the previous interest rate of 4.9%, we can save nearly 654.38+0.5 million at most.

This time, the interest rate of the first home loan was greatly reduced to boost market confidence. It can be said that the mortgage interest rate has never been so low in the last five years, so this is definitely good news for people who want to buy a house. Because compared with before, if we buy a house with 6.5438+0 million yuan now, at least we can save nearly 6.5438+0 million yuan. If you want to buy a house, now is definitely a good time.

The reduction of loan interest rate means that more and more people will buy houses in the future, because no one wants to miss such an excellent opportunity to get on the bus for those who just need it. If you buy a house in a first-tier city, you will save more money because the final transaction price of the house is higher. For example, if we buy a house casually in Beijing or Shanghai, it will cost at least millions or even tens of millions. In this way, you can save more interest money, at least hundreds of thousands of interest.

Of course, although the interest rate of the first home mortgage has dropped, if you don't have much demand for the house, there is no need to blindly get on the bus to buy a house. But if you just need it, now is definitely a good opportunity.