What is the down payment loan requirement for buying a house?

New down payment rules for house purchase 2022

The new down payment rules for house purchase in 2022 are as follows:

1, mortgage ratio. If the lender purchases the first suite and chooses the provident fund loan, the minimum down payment ratio of the provident fund loan is 20%; If the lender chooses a commercial loan, the minimum down payment ratio is 30%. If the lender buys a second suite, then according to the latest policy, the down payment ratio will be adjusted to a minimum of 40%.

2. The amount of mortgage loan. According to the regulations, when users apply for a mortgage in a bank, the amount of mortgage they can generally apply for is about 70% of the assessed house price. But generally speaking, the bank's evaluation price is lower than the market price.

Matters needing attention in buying a house.

1, know the history of the house. When was this house built? How long is the land use period; People who have lived before; Whether the original owner uses the house for purposes other than residence; Whether there is anything bad happening in the house and so on. It is best to know these problems in advance so as to know the root cause.

2. Find out the property right of the house. Checking the property right of the house is the key to the transaction, so we must first check the integrity and reliability of the property right, especially to find out whether the owner of the real estate license is the same person as the seller. If the house is a purchased public house, remember to find out whether the Chu Yuan unit agrees to sell the house. In order to sell as soon as possible, some homeowners deliberately put the time when the house was built very close, which requires a clear look at the real estate license and a clear understanding of the age of the house.

3. Pay attention to the hukou problem. Many second-hand house buyers buy houses to solve their children's education problems. Therefore, this kind of property buyers need to be cautious about the hukou situation and other related matters, and ensure that all the original hukou will be moved out before the transaction is completed, so as to ensure that they can move in smoothly after buying a house and avoid problems caused by hukou problems.

What are the conditions for down payment?

Question 1: What are the requirements for a down payment mortgage loan? If you choose bank mortgage repayment, you must meet the following conditions:

1, a domestic person who has reached the age of 18 and has full capacity for civil conduct;

2. If you are under the age of 18 and still need to apply for a loan, the bank will review whether to grant the loan;

3. The sum of age and mortgage period shall not exceed 60 for men and 55 for women (specific matters shall be subject to confirmation by relevant banks); ?

4. Have a stable and legal occupation and income source, and the monthly payment cannot exceed 50% of the monthly income.

Question 2: What are the procedures for buying a down payment loan? As long as one of your husband and wife is local, there is no restriction that foreigners can't borrow money locally.

As long as you and your wife have no real estate, the down payment is only 30%. Need to go to the local real estate transaction management office to issue a certificate of no real estate.

Question 3: What are the conditions for buying a house with a loan? Procedures 1, down payment ability.

When calculating your down payment ability, you must add the decoration cost of the house, because you can't live in a rough house. yuqiancyh

2. Monthly supply capacity

If you buy a house with a loan, the monthly payment should be controlled at about 30% of your monthly income, because not only the increase in loan interest rate, but also the decline in income should be considered. In addition, the loan to buy a house, it is best to set aside a year's mortgage.

Solvency coefficient

The repayment ability coefficient is used to calculate the repayment ability of the lender. It is the ratio of the loan principal to the lender's income in the current month. The repayment ability coefficient can prevent the risk that the monthly repayment amount accounts for too high a proportion of family income and cannot repay the mortgage. If you want to know your repayment ability, you must know the repayment ability coefficient.

Calculation of repayment ability coefficient of mortgage loan;

For example, if the coefficient is 0.4 and the monthly income is 8,000 yuan, the monthly repayment can be 3,200 yuan.

If the coefficient is 0.5, the monthly income is 8,000 yuan, and the monthly repayment can be 4,000 yuan.

Personal repayment ability coefficient is related to personal monthly income, job nature, family property and credit information. The higher the personal income, the more stable the job, the more family property and the better the credit information. Then his repayment ability coefficient will be even greater. On the contrary, it will become smaller.

What is the repayment ability coefficient of commercial loans?

The average commercial loan is 0.5. If you marry your wife and your monthly income is 1000 yuan/month, then your monthly repayment ability is 5,000 yuan, and you can get a loan with a monthly repayment of 5,000 yuan.

What is the repayment ability coefficient of provident fund loans?

The repayment ability coefficient of provident fund is determined according to the loan term, which is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years.

Different cities have different provisions on the repayment ability coefficient of provident fund. The repayment ability coefficient of Tianjin is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years. The solvency coefficient of Dalian is 0.35, and that of Kunming and Shanghai is 0.4.

Note: Repayment ability refers to the maximum loan amount that you can apply to the bank with such repayment ability. However, besides knowing the monthly repayment amount, we also need to know the repayment ability, and finally determine the appropriate monthly repayment amount through comprehensive evaluation.

Question 4: What are the conditions for buying a house with a zero down payment loan?

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

Second, what materials do you need for a bank loan to buy a house?

1, loan application form;

2. Subscription agreement or sales contract;

3. identification;

Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, home visit certificates and work permits. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located.

4 proof of income (including tax bill, bank deposit record and employer's confirmation).

Third, what is the process of buying a house with bank loans?

Step 1: The buyer and the seller prepare complete information to see a lawyer.

Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion;

Step 3: The bank reviews the evaluation report and the president signs the loan.

Step 4: Loan.

Note: Banks have different information requirements for buyers and sellers, and the process details are also different. Please refer to the monthly loan handbook.

Four, the loan to buy a house to pay attention to the six major issues

1, the provident fund will not be used before the loan. If the borrower withdraws the balance of the provident fund savings to pay the house payment before the loan, then the balance of the provident fund in your provident fund account is zero, and your provident fund loan amount is also zero, which means that you cannot apply for a provident fund loan.

2. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made one year after the loan is paid off, and the amount you return should exceed six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan. When the repayment ability declines during the loan period, don't insist on it yourself when there is difficulty in repayment. ICBC customers can apply to ICBC for extending the loan term. After investigation by the bank, ICBC will accept your application for extending the loan term, and there is no default of principal and interest.

4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where you lived before to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged property.

6. Don't lose the loan contract and IOUs. Applying for a loan, the loan contract signed between the bank and you, and the receipt are all important legal documents. As the loan takes a long time, as a borrower, you should take good care of your contracts and IOUs.

Question 5: What are the procedures for buying a house with a down payment? If you buy a first-hand house, you should first issue a certificate of housing situation in the real estate trading center, then sign a purchase contract with the developer, and then go to the bank to sign a loan contract. General developers are designated banks to handle mortgages, and loan contracts can be signed directly in the developer's office. Materials required for the loan: original ID card, original household registration book, marriage certificate, income certificate and bank statement of both husband and wife, and both husband and wife are present in person. If you are single, you need to provide a single certificate. If you are a foreigner, you also need to provide your tax payment certificate or social security certificate for one year in this city.

If you want to buy a second-hand house, you need to sign a house purchase contract with Dong Fang, then go to the trading center to issue a house condition certificate and a house-free certificate, and then pay the house maintenance fund in the maintenance fund-list it in the house-check the tax-sign it online-go to the bank to handle the loan formalities-pay taxes-transfer ownership-and get the certificate after the bank has passed the examination. The required loan materials are the same as those of the first-hand house. The landlord needs to provide the real estate license, marriage certificate, household registration book and the original ID cards of both husband and wife, and both husband and wife are present in person.

Question 6: How much is the down payment for the loan to buy a house? What's the procedure? The down payment for the first suite is not less than 30%, and the down payment for the second suite is not less than 60%.

Id card, household registration book, marriage certificate (not provided), income certificate, copy of company business license, official seal, academic certificate, (title certificate, large deposit certificate, etc. )

Question 7: What are the procedures for buying a house mortgage loan? If you buy a new house and suite, sign a contract with the developer first and pay a down payment of 30% first. The developer will tell you the designated bank they cooperate with, and then the developer will give you a ward round table, stamp it at the bank first (you should bring the original ID card, household registration book and house purchase contract and fill it out according to the contract), and then apply for ward round at the housing management office. After all the formalities are completed, you can hand it over to the developer.

Question 8: What information does mortgage to buy a house need to provide? How much is the down payment for the loan to buy a house is actually very simple. First of all, the lender provides the identity card, household registration book, original marriage certificate, down payment voucher and receipt, income certificate, bank account and personal income tax bill of himself and his spouse. Here are the specific steps. (1) Buyers who want to get mortgage services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans. (2) After confirming that the property you choose has bank mortgage support, the buyers who apply for loans should know about the bank's regulations on mortgage support for buyers, prepare relevant legal documents and fill in the mortgage loan application form. (3) The bank that signed the house purchase contract receives the legal documents related to 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) Signing a building mortgage contract After signing the house purchase contract and obtaining the proof of payment, the buyer signs a building mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, specifying the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan. (5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off. (6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time, and will be used as the personal housing loan business guaranteed by the purchaser's purchase price in stages.

Question 9: What are the requirements for the down payment? Ask for your local hukou ~ work certificate!

Question 10: What proof conditions do I need to make a down payment of 20% for a loan to buy a house? Ask the salesperson the fastest and most direct, if the loan needs a lot of materials, ID card, household registration book, marriage certificate, copy of housing contract invoice, etc.

What are the conditions for buying a house loan?

Due to the high housing prices, many people will apply for housing loans from banks when buying a house. Many people are buying houses for the first time. I don't know what conditions a house loan generally needs to meet. Next, Bian Xiao will briefly introduce it to you.

1. When we apply for a loan from the bank to buy a house, we need to satisfy that the applicant is a natural person who has reached the age of 18 and has full capacity for civil conduct, and has a valid residence identity certificate. The average age of the applicant plus the loan period cannot exceed 70 years old. Some banks will limit the age of applicants. For example, China Construction Bank stipulates that applicants should be between the ages of 18-50, and the mortgage should be paid off before the age of 65.

2. When we apply for a bank loan, we usually need to submit personal assets certificate, down payment certificate, etc. Because applying for a mortgage usually requires a stable income, the ability to repay the loan, and no less than 20% of the purchase price.

3. Applying for a mortgage usually needs to meet the asset mortgage recognized by the lending bank. So when you apply for a housing loan, you usually mortgage the house you bought to the bank. If it is a second-hand house, the property rights of the house need to be clear and meet the conditions of market circulation. Under normal circumstances, banks will also limit the age of second-hand houses. For example, the age of second-hand houses needs to be within 30 years. Applicants need to have legal and valid proof documents such as the purchase contract.

When we apply for a mortgage, we need to meet the conditions of good personal credit and other conditions required by the bank. Because banks may reject mortgage applications for home loans with bad credit records. For example, CCB's installment repayment has been in arrears for more than 3 consecutive periods, and ICBC's personal loan has been overdue for more than 6 times in the last year, so it is impossible to apply for a housing loan.

Bian Xiao concluded: What are the conditions for buying a house with a loan? Bian Xiao introduced it here. Before you apply for a loan to buy a house, you can consult the relevant bank to find out what the bank loan regulations are.

What are the conditions for a loan to buy a house?

1, aged over 18 years old (inclusive), and the loan period is not more than 65 years old (some banks have relaxed to 70 years old), with full capacity for civil conduct.

2. Have a valid residence status in the local area (residence booklet or temporary residence permit can be provided).

3. Have a stable and legal source of economic income, provide a bank flow of not less than twice the monthly payment, and have the ability to repay the loan principal and interest on schedule.

4. Self-owned funds not less than 30% of the total house price are used as the down payment for house purchase.

5. Personal credit is good, and there are no bad records or serious negative information in the credit report (if married, the spouse's credit report will also be reviewed).

6. To apply for a provident fund loan, you must pay the provident fund in full and on time for more than six months (inclusive), and the provident fund account in the month of application is in a normal state, and there is no provident fund loan in the customer's name or the loan has been settled (if you have applied for a provident fund loan twice, you can't apply for a provident fund loan regardless of whether the loan has been paid off).

What conditions do you need to buy a house with a down payment?

Buying a house now is not a simple matter. Many families choose to borrow money to buy a house, pay a part of the down payment first, and then pay it back every month, but the down payment to buy a house also requires certain conditions. Then, the following small series will share with you what conditions are required for the down payment of a house, and what should you pay attention to when paying the down payment?

First, what are the conditions for buying a house with a down payment?

The down payment conditions are as follows:

(1) There should be stable income and running water in the bank. There must be running water every month. The monthly income on the income certificate should be twice the monthly payment, for example, the monthly payment is 3,000 yuan, and the monthly income should be about 6,000 yuan.

(2) Credit investigation cannot be overdue. Banks generally require that there should be no three consecutive overdue within two years, and the cumulative overdue should not exceed six, taking the family as the unit.

Second, what should I pay attention to when paying the down payment?

1, check the developer's five certificates

To verify the developer's five certificates, the most important thing is to look at the state-owned land use certificate and the pre-sale permit of commercial housing to see if these two certificates are true, especially the pre-sale permit.

2. Pay attention to the terms of the contract.

The text of the house sales contract must be standardized. You can download and print from the real estate bureau online, and then look at it carefully. When signing a contract, you should read the terms clearly and fill in according to the relevant regulations.

3, clear delivery time, liability for breach of contract.

If the seller is liable for breach of contract for delayed delivery, is there any compensation for delayed delivery? So the delivery time must be determined, and don't accept some unreasonable terms, so as not to cause losses to yourself.

4, confirm the area and area difference processing.

If there are differences in the area of purchased commercial houses, it is agreed in the contract to deal with them in accordance with relevant agreements. Therefore, the contract should clearly indicate the way to deal with the area difference.

5. Confirm whether the rights and obligations in the contract terms are equivalent.

Pay attention to whether the rights and obligations filled in by both parties in the terms of the contract are equivalent. If you have any comments, you should propose amendments in time so as not to affect your own interests.

Summary of the article: The above is what you need to pay down payment for buying a house, and what you need to pay attention to when paying down payment. If you need a loan to buy a house, you can know the down payment in advance to avoid unnecessary trouble for yourself.

What are the procedures for down payment or loan?

First, the loan purchase procedures:

1. Buyers need to go to the bank to understand the relevant situation and apply for personal housing loans based on relevant information.

2. The bank will review the buyers and determine the loan amount.

3. The loan contract shall be insured by the bank, and the property right mortgage shall be registered and notarized.

4. For bank loans, the borrower cancels the registration after paying off the principal and interest every month.

3. Handling housing loan information

① Hukou book

② Marriage certificate

③ ID card

④ proof of income

⑤ Bank running water

⑥ Purchase contract (if married, provide information of both husband and wife)

Second, the loan to buy a house conditions:

1, has a stable economic income, has the ability to repay the loan principal and interest, and has legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

2. Ensure that the self-raised funds of more than 30% of the total price of the purchased house are used to pay the down payment of the purchased house.

3. Legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors with assets recognized by the loan bank as collateral.

Extended data:

I. Calculation of interest rate

1, monthly repayment amount = monthly principal and interest.

2. Monthly principal = principal/repayment months

3. Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate.

4. Calculation principle of average capital interest rate.

The principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.

Second, the mortgage method

1, personal housing entrusted loan

2. Personal housing loan.

3. Individual housing portfolio loans