Zibo real estate

hello, this is someone who helped me when I bought a house. Have a look.

By the way, buying a house depends on where you work. If you want to buy a house in Zhangdian, you can buy a small apartment in Zhangdian. I hope I can help you! !

Two loan methods for wage earners to purchase houses

There are two loan methods for wage earners: provident fund loan and mortgage loan.

(1) Purchase houses with provident fund loans. Provident fund loan is a low-interest long-term loan set up to support ordinary income workers' families to buy houses, which is issued by the real estate credit department of China Construction Bank. Ningde City stipulates that the maximum loan limit is 3, yuan, and the longest loan repayment period is 7 years. The target of provident fund loans is: employees who have permanent residence in cities and towns and pay housing provident fund. The loan conditions are: having self-raised funds equivalent to more than 3% of the purchased house price (which can be offset by housing provident fund deposits), having the ability to repay the loan principal and interest, and agreeing to handle housing mortgage and insurance. The loan amount shall be within the loanable amount and the maximum limit, and shall be determined according to the specific circumstances.

how to repay the loan principal and interest? Repayment shall be made in equal monthly installments. Repayment method: monthly repayment of loan principal and interest = loan principal × monthly interest rate × loan principal × monthly interest rate/(October interest rate) Total repayment months-11].

(2) buying a house with a "mortgage" loan. For families who cannot enjoy low-interest loans from provident fund, they can try to enjoy "mortgage" loans. However, mortgage loans only provide support for some real estate projects, so only when they are properly selected can they enjoy mortgage loans, but compared with provident fund loans, they have higher interest rates. The objects and conditions of mortgage loans are basically the same as those of provident fund loans. The loan amount mainly depends on the repayment ability, and the monthly economic income should be twice the monthly loan repayment amount. The loan limit shall not exceed 7% of the house price, and the longest repayment period of the loan is 2 years.

introduction of personal mortgage business

"personal housing loan" is the most basic housing mortgage business, and all banks are carrying out this business. Personal housing loan is a kind of secured loan, which can be mortgaged, pledged, guaranteed or a combination of the above three methods.

Requirements of the applicant

Banks generally require that the object of "individual housing loan" should be a natural person with full civil capacity, and at the same time meet the following conditions: 1. Have permanent residence in cities and towns or valid residence status; 2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule; 3 do not enjoy the purchase subsidy, not less than 2% of the total price of the purchase of housing as the down payment; Enjoy the purchase subsidy, with 2% of the personal commitment as the down payment; 4. There are assets recognized by banks as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors who repay the principal and interest of loans and bear joint and several liabilities; 5. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank.

documents required for application

when applying for a loan, the applicant should produce a variety of documents, mainly including: 1. identity documents (resident identity card, household registration book or other valid residence documents); 2. Proof of loan economic income or solvency issued by the lender's approval department; 3. Letter of intent, agreement or other approval documents for the purchase of housing contracts that meet the requirements; 4. List of mortgaged property or pledged property, ownership certificate, certificate of consent of the person who has the right to dispose of it, certificate of pledge and certificate of mortgaged property valuation; 5. The guarantor agrees to provide written documents of guarantee and the guarantor's credit certificate; 6. If savings deposits are used as self-raised funds, bank deposit certificates are required; 7. With the provident fund as self-financing, it is necessary to provide proof that the housing provident fund management department has approved the use of provident fund deposits.

personal loan amount

the loan amount of personal housing loan is not higher than 8% of the value of the house to be purchased or the total actual purchase cost assessed by the real estate appraisal agency (whichever is lower), and the loan period can be up to 3 years.

Selection of repayment method

At the time of repayment, the borrower shall repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract. If the borrower repays the loan in advance, it shall obtain the consent of the lender in advance and go through the relevant formalities. There are two ways to repay the principal and interest:

1. If the loan term is one year (including one year), the principal and interest will be repaid once at maturity, and the profit will be paid off with the principal; 2. If the loan term is more than one year, repayment methods such as matching principal and interest repayment method and average capital repayment method can be adopted to repay the loan principal and interest on a monthly basis.

mortgage pledge and mortgage

There are mainly the following types of mortgage and pledge for housing purchase:

(1) mortgage for personal housing loan

1. Real estate and other things fixed on the ground that the borrower has the right to control independently; 2. The right to use state-owned land obtained by the borrower according to law;

(2) Pledges for personal housing loans include treasury bonds, national key construction bonds, financial bonds, AAA corporate bonds, personal time deposit certificates and other securities.

Generally speaking, if the sales rate is less than 3%, the developer's funds will not be recovered. When the sales rate does not improve within a certain period, the developer will be forced to reduce the price. If the sales rate reaches 5%, it shows that supply and demand are relatively balanced and house prices will remain at a certain level for some time; If the sales rate is around 7%, it shows that the demand is getting hotter, the developer's development cost has been basically recovered, and the house price will rise. Naturally, such a house will definitely preserve its value; In addition, we must have a strong location, good appearance, strict property management, high visibility and convenient transportation, shopping, medical care and study. Such real estate has room for appreciation. Here are some other things to introduce to you:

What houses can't be bought:

According to the national regulations, the sale of houses will be restricted in the following situations:

First, illegal or illegal buildings;

Second, the right to use the house cannot be bought or sold, nor can it be bought or sold when there is a dispute or unclear property right;

Third, houses sold without legal approval;

Fourth, houses with restricted circulation such as famous buildings or cultural relics;

Fifth, due to the needs of national construction, houses that have been identified as the scope of demolition are prohibited from buying and selling.

What are the tricks to bargain when buying a house?

Some people say that the key to buying a house depends on your ability to bargain, which is not unreasonable, especially for buyers who want to invest. Only when you buy a cheap house can you have your own profit space. Otherwise, you will not make a profit or even lose money after selling it. The skill of real estate business negotiation lies in grasping the market trends and knowing well, and at the same time, knowing each other's situation and knowing ourselves and ourselves. Finally, be "ruthless" and bargain hard

There is a lot of knowledge in business negotiation. Only by doing enough effort can we have a sure plan and win the battle.

First, we should be quiet and know more about the house

1. The house is a real thing, and everything can be seen in your eyes. When you look at the house, you should show your interest. If you are too cold, the seller will not be in the mood to talk to you more. At the same time, you should carefully observe the structure of the house, light it, maintain the surrounding environment, etc., and listen to the seller's explanations and ask the seller more questions.

2 master the background materials. How long has the house been put on the market, how many people have offered the price and how much they bid, which can be used as a reference coefficient. The more people bid for the house, the stronger its resale power.

3 let the seller know that you are buying a house for self-occupation, not for resale. Usually, sellers don't want housing sales staff to make profits, and they like buyers who live in their own homes. First, they can sell at a high price, and second, they are relatively simple.

Second, we should understand the seller's psychology:

1 How long it takes for the seller to sell the house is very important for when to bargain. The closer to the deadline for selling the main products, the more eager the seller is to sell. This is your most favorable bargaining moment.

2 know what the house money sold by the seller is intended to be used for. If the seller believes in the house payment and doesn't need it urgently, it will be a lot of setbacks to bargain for the house. In this case, it is time for you to stop or turn around.

3 deposit. There is no certain standard as to how much the deposit is appropriate. It depends on each person's needs and is negotiated by both parties.

Bargaining principle:

1 Expose the shortcomings of the house, and expose all the shortcomings of the seller's house, so that the seller loses confidence in his high price, so as to achieve the purpose of bargaining.

2 delaying tactics. If the seller is anxious to get rid of it, he can deliberately delay the time, such as lying that it takes time to collect funds, and wait until the last stage of the deadline to bargain.

3 partnership tactics. You can tell the seller that it invested with the partner * * *, and the price should be negotiated with the partner to bargain with trick or two.

4 play hard to get. For the houses you see, if you clearly like them, you still have to express various reasons for not liking them, so as to bargain.

In a word, there are many ways to bargain. As long as the buyer has a clear mind, uses it flexibly and plays it by ear, he will get what he wants and succeed.

At present, there are mainly the following types of loans to purchase houses: 1. Housing provident fund loans; 2. Commercial loans for individual housing; 3. Personal housing portfolio loan.

1. Housing provident fund loans: For residents who have already paid housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. That is to say, there is a spread between the mortgage interest rate of housing provident fund and the bank deposit interest rate. At the same time, housing provident fund loans will be charged by half when handling mortgage and insurance related procedures.

2. Commercial loans for individual housing: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 3% of the funds needed to purchase a house, and it is used as the down payment, and assets recognized by the loan bank are used as collateral or pledge, or units or individuals with sufficient compensatory ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan.

3. Personal housing portfolio loan: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally 1,-29, yuan. If the purchase price exceeds this limit, the insufficient part should be applied to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of a bank. The interest rate of portfolio loan is moderate and the loan amount is large, so it is more selected by lenders.

Personal housing entrusted loan (provident fund loan) is the most cost-effective, and personal housing loan (commercial loan) has the heaviest interest burden, but how big is the specific repayment difference? We might as well make a comparison:

Suppose a couple of buyers want to buy a house with a total price of 5, yuan, and pay 3% of the down payment with their own funds, that is, 15, yuan, and apply for a 15-year loan with the remaining 35, yuan. The couple's monthly income is 6, yuan, and the monthly provident fund contribution ratio is 2% (5% for enterprises and individuals). Now the total provident fund is 4, yuan. The interest burden of commercial loans is much higher than that of policy loans, reaching 1/3, the monthly repayment amount is 1% more, and the total amount is nearly 5, yuan more, which is not a small sum. From this point of view, it is natural to choose personal housing entrusted loans, but no, the couple can't rely entirely on personal housing entrusted loans. Even if their existing provident fund reaches 4, yuan, they can apply for a provident fund loan of 4, yuan at a lower rate of 1 times, but because the maximum amount of policy loans is only 3, yuan, 35, yuan is still not acceptable. Therefore, the couple have to settle for the second best and choose a personal housing portfolio loan. So, can they bear the monthly repayment burden? Speaking of which, they pay back 2781.45 yuan every month, but part of it can be offset by the provident fund they deposit every month during the repayment period, and the amount can reach 2% of the total income at most, that is, 12 yuan/month. Then they need to pay only (2781.45-12) 1581.45 yuan/month, which is very light compared with their monthly income of 6 yuan. However, without the support of the provident fund and relying entirely on commercial loans, the monthly repayment burden is still relatively heavy, but the burden of mortgage payment, which accounts for about 5% of the total income, is acceptable. It is suggested that buyers may wish to calculate carefully when determining the purchase budget, and list several options to compare before applying for the corresponding loan.

housing provident fund loans should be handled according to the following procedures:

(1) The borrower needs to submit a written application to the municipal housing provident fund management center, fill in the application form for housing provident fund loans and truthfully provide relevant information.

(2) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount and loan term, and after the contract is filled in and agreed, the borrower and the center sign relevant contracts or agreements, and handle insurance according to the regulations of the People's Bank of China.

(3) After the loan formalities are completed, the municipal housing provident fund management center will issue a loan approval notice to the bank, and the bank will go through the loan transfer formalities after receiving the loan notice

Special reminder: when buying a house, the borrower will know the loan amount and the monthly repayment amount by going to the bank for calculation according to the payment of his own provident fund. According to the relevant provisions of provident fund management, it is withdrawn once a year. Suppose the customer withdraws the provident fund once a year for 15, yuan, and the monthly repayment amount of the provident fund loan is 1,5 yuan, and the repayment amount of the commercial loan is 1 yuan. In terms of repayment method, the "balance loan-flushing method" can be selected, that is, the extracted provident fund will first return the housing provident fund loan and the principal and interest of the commercial loan in the current month (* * * is 2,5 yuan), and the balance of 12,5 yuan can be used to repay the principal of the commercial housing loan in one lump sum. After paying off the principal of the commercial housing loan, the remaining After "repaying the loan", the borrower can choose to shorten the original repayment period or choose to keep the repayment period unchanged and reduce the monthly repayment amount. However, at present, commercial banks have certain restrictions on the number of prepayments for customers. If the customer chooses the repayment method of "equal principal and interest" and the monthly repayment amount remains unchanged at 2,5 yuan, then the withdrawn provident fund of 15, yuan will be deducted continuously at 2,5 yuan per month according to the original deduction method. When the balance is insufficient, the borrower shall timely inject the full amount into the bank card for repayment. The customer can choose the above two repayment methods according to his own reality.

If the customer applies for commercial loans when purchasing individual housing, such as individual housing mortgage loans, individual housing transfer loans and individual re-trading housing loans. At that time, I didn't apply for a "provident fund" loan for buying a house for various reasons. Now, the personal provident fund has reached the specified period and amount, and the conditions for applying for a house loan from the provident fund have been met. Although commercial banks can't convert commercial loans for buying a house into provident fund housing loans at present, they can withdraw the provident fund to repay the principal and interest of commercial loans. As long as the borrower applies to the provident fund management center and goes through the relevant procedures for withdrawing the provident fund, he can withdraw the provident fund and return the principal and interest of the individual housing loan.

workflow of applying for personal housing loan from the bank:

(1) the buyer shall sign the Pre-sale Contract of Commercial Housing with the developer.

(2) Pay more than 3% of the house price.

(3) Go to the housing management department for pre-sale registration.