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Beijing to apply for provident fund must meet four conditions at the same time:
1) The borrower's provident fund is deposited in Beijing;
2) The account has been opened for more than 65,438+0 years and has been paid in full for 65,438+02 months (recently);
3) Currently in deposit status;
4) The applicant and his spouse have no outstanding provident fund and discount loan.
As long as these conditions are met, you can apply for provident fund loans in Beijing, and consumer loans will not affect the loans and loans of provident fund.
I hope the above information can help you, and I hope to adopt it, thank you ~
Do you need to settle the down payment of consumer loans when buying a house in Beijing?
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Under normal circumstances, you need to pay off all consumer loans before you can apply for a mortgage. If you don't pay off the consumer loan, you are suspected of making a down payment through consumer loans or illegal overdraft credit cards, and consumer loans are strictly prohibited from flowing into the housing market. In addition, applying for a mortgage also requires the borrower's income to be at least 2 to 3 times the monthly repayment amount, so try to reduce the total monthly repayment amount. The major banks in Beijing have tightened the mortgage gates again, making it more difficult for individual buyers to apply for mortgages. On August 9, at present, many bank branches and sub-branches have no mortgage quota to extend to lenders, which is tighter than two months ago.
Can personal consumption loans be used to buy a house?
First of all, answer directly.
You can't.
Second, the specific analysis
Buying a house should apply for a mortgage directly, not a consumer loan.
Consumer loans, as the name implies, refer to loans for daily consumption.
Daily consumption can be household appliances, furniture, digital products, home improvement, tourism, education, wedding, leasing, medical care, even car purchase or business turnover, but it must not be used to buy a house.
The use of general consumer loan funds will definitely prohibit the purchase of houses and investment, which are risky projects, especially the housing market. In order to prevent real estate speculation, there are restrictions on mortgage interest rate, mortgage number, mortgage amount and mortgage times, while consumer loans lack corresponding restrictions, and of course they cannot be used to buy a house.
There are too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can check it quickly in Beijian and check it out. The system provides the most accurate information for debtors, people who apply for excessive online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan application times, credit reports, etc. , so that you can better understand your credit status.
Third, what should be paid attention to when the interest rate of consumer loans is lowered?
There are the following points to pay attention to when interest rates fall.
1. If the consumer loan interest rate is lowered, it shall not be lower than the mortgage interest rate.
You can apply for provident fund loan mortgage. 1-5 has an annual interest rate of 2.75%, and 6-30 has an annual interest rate of 3.25%, which is absolutely low. Moreover, even if the provident fund account does not meet the loan conditions at present, people who apply for commercial loans to buy a house can change to provident fund loans in the future and still enjoy low interest concessions.
2. The interest rate of consumer loans is lowered to the lower limit, which may not be enjoyed by everyone.
For example, if the consumer loan interest rate is lowered to a minimum of 3.9%, A user's comprehensive credit is good, and the actual interest rate approval is 3.9%, but B user's comprehensive credit is average, and the actual interest rate approval may be 4.5%, which is uncertain and variable.
The mortgage interest rate is much more stable than the consumer loan with pure credit application, if there is at least collateral as a guarantee, so it is better to buy a house and apply for a mortgage.
Is it illegal to buy a house with a consumer loan?
Can personal consumption loans be used to buy a house?
Personal consumption loans, commonly known as consumer loans, are secured loans issued by banks to borrowers for designated consumption purposes. Uses include house decoration, purchase of various kinds of large durable consumer goods, travel, study and other personal consumption, and may not be used in high-risk areas such as house purchase and stock trading.
In addition, Beijing Banking Regulatory Bureau clearly mentioned in the "Notice on Risk Warning in the Field of Personal Comprehensive Consumer Loans" issued on April 28 that it was found that individual banks' personal consumer loans were not carefully supervised, and the loan amount was large and the term was long, which obviously did not match the daily consumption attributes; Problems such as dereliction of duty in loan investigation, lax examination and approval, ineffective post-loan management, and lax employee behavior management have caused loans to be misappropriated for stock market investment, house purchase, production and operation. The notice requires that personal consumption loans should not be used in non-consumption areas such as house purchase and investment.
"The upper limit of personal consumption loan is 6.5438+0 million yuan, and the term does not exceed 654.38+00 years." Beijing Banking Regulatory Bureau suddenly issued a notice at the end of April, which made real estate agents and buyers secretly worried. On the surface, consumer loans and real estate agents seem to have nothing to do, but in recent years, with the continuation of real estate control policies, bank loans have been tightened step by step, and the practice of making up the house payment with consumer loans has long been an unspoken rule in the industry.
"The purchase price is not enough, and the consumer loan is enough" has become an open secret in the second-hand housing market in recent years. According to the survey, this gray interest chain of consumer loans flowing into the property market involves a wide range. First, the real estate agent will match the bridge, and then the guarantee company will submit the formalities to the bank, and the decoration, jewelry, mahogany and other companies will help "whitewash" the loan. Of course, this process is also inseparable from the covert assistance of some commercial banks.
In some banks, personal consumption loans can also buy shops and office buildings, but the door of serviced apartments has been closed. Agricultural Bank of China said that personal consumption loans can now buy shops, and the interest rate will rise by 10%, but the purchase of commercial hotel-style apartments will be suspended. The business department of China Merchants Bank also said that at present, the down payment of shops and office buildings is 50%, the interest rate is up by 20%, and the longest loan period is only 10 year. However, for serviced apartments with 40-year-old commercial properties, no matter the size, no orders are accepted at present.
Personal housing mortgage loan conditions
At present, there are two kinds of personal mortgage loans in China: one is the "personal housing entrusted loan" issued by China Construction Bank and other entrusted banks with housing reform funds such as provident fund; Second, financial institutions, commercial banks use bank funds to issue "personal housing loans". The following clauses only introduce the conditions that individuals should have to apply for "personal housing loans" from commercial banks.
According to the provisions of China People's Bank's Measures for the Administration of Individual Housing Loans, China Construction Bank's Measures for Individual Housing Loans and China Industrial and Commercial Bank's Trial Measures for the Administration of Individual Housing Guaranteed Loans, individuals applying for housing loans must meet the following conditions:
(1) has permanent residence or legal residence status in cities and towns.
(2) Have a fixed occupation and a stable income.
(3) Good credit and the ability to repay the loan principal and interest.
(4) Assets recognized by the lender are used as collateral, and units or individuals with sufficient compensatory capacity are used as guarantors to repay the loan principal and interest (mortgaged assets are generally houses purchased or built by borrowers, because borrowers rarely own other properties equivalent to the loan amount).
(5) When granting loans to individuals to purchase self-occupied houses, the borrower's housing purchase price basically conforms to the evaluation value of the real estate appraisal entrusted by the loan bank or its entrusted (because the houses purchased by donors are generally used as collateral for loans, if the housing purchase price is much greater than its actual value, the loan bank may earn less money from selling houses than the loans owed by the borrower, thus causing the loan bank to suffer greater losses).
(6) Lending loans to individuals for building self-occupied housing requires that the borrower has obtained the land use right of the built housing, and the termination time of the land use right is not earlier than the termination time of the loan contract; The loan project has been approved by the local construction administrative department and the urban planning department (the loan project has been approved by the local construction administrative department and the urban planning department, that is, the borrower has obtained the construction project planning permit issued by the planning department and the construction permit issued by the construction department).
(7) Households with housing deposits in commercial banks (if there is a special account for housing provident fund in China Industrial and Commercial Bank, the provident fund deposit can be combined with the balance of housing savings deposit, but the approval documents of the provident fund management department must be provided), and the balance must be more than half a year, and it will be used as the down payment for house purchase or investment in building before the bank loan (the loan bank requires the borrower to have at least 30% of the investment in house purchase or building, To prove that the borrower has the ability to repay the principal and interest of the loan. At the same time, when exercising the housing mortgages, the loan bank can use the proceeds from the sale of the house to repay the money owed by the borrower (because the loan bank only lends a loan equivalent to 70% of the purchase price or housing investment at most).
(8) Other conditions stipulated by the lender. China's commercial banks have basically the same requirements for individuals to apply for housing mortgage loans, and some do not need units or individuals as guarantors to repay the loan principal and interest.
Can personal consumption loans be used to buy a house? If you don't have enough money to buy a house, you can apply for a loan. Banks have specialized housing loan business and can apply if necessary.
How much is the loan for buying a house in Beijing?
When buying a house with a loan in Beijing, the largest proportion of the first home loan is 80%, and the largest proportion of the second home loan is 40%.
It should be noted that banks in Beijing recognize both housing and loans when determining whether housing is the first suite or the second suite. You need to have no housing loan records nationwide and no housing under the name of Beijing to be considered as a suite.
The loan amount depends on the following factors:
The amount of bank loan application is affected by the down payment ratio of the loan, and usually cannot exceed the difference between the total house price and the down payment. The down payment ratio will be adjusted according to the property market. Restricted cities and non-restricted cities will be different, and different banks in the same area may be different. It is recommended that buyers fully understand the bank mortgage policy of the place where they buy the house and choose a suitable bank to apply for a loan.
The repayment ability mainly refers to the monthly income of the lender, because the monthly income directly reflects the repayment ability of the borrower. The relationship between loan amount and monthly income can refer to the following formula: monthly income ≥ monthly mortgage repayment X2.
When issuing loans, banks will examine the age of the loan. Usually, the requirement is 20-25 years, the looser one will require 30 years, and the stricter one is only 15 or 10 years. Older second-hand housing loans may be reduced, and banks will simply refuse loans when they encounter strictness. It can be said that the younger the house, the easier it is to get a loan, and the loan amount is higher than that of the older one.
Personal credit information can be said to be one of the important criteria for banks to consider borrowers. Good credit information is a prerequisite for obtaining preferential interest rates and loans. Some banks will look at the credit card credit records of borrowers within two years and the loan credit records within five years. Some banks will look at the credit information for a longer period of time, and the requirements are different. Three consecutive overdue and six serious credit reports may lead to loan rejection.
How many years can a bank loan buy a house?
How many years of mortgage loan is appropriate cannot be generalized, but should be discussed according to the different income and economic situation of buyers. Generally speaking, the longer the loan term, the less the monthly repayment amount; The shorter the loan period, the higher the monthly repayment amount.
If the lender's income is stable and relatively high, it is suitable to choose short-term loans. The shorter the time, the less interest. For people whose high income is only for temporary turnover, this can save a lot of mortgage interest. For people with unstable income or low income, it is more cost-effective to lengthen the life span considering their own income problems. Although the choice of mortgage period is closely related to the economic strength of buyers, in the eyes of experts, there are different mysteries.
Judging from the current mortgage interest rate, under normal circumstances, it is generally recommended that buyers choose the repayment period of 15-20 years, so that the total interest paid is relatively reasonable.
This is the end of the introduction of Beijing consumer loan to buy a house, and it is also the process of Beijing consumer loan to buy a house. I wonder if you found the information you need from it?