Shenzhen housing loan policy

How much is the down payment for Shenzhen Anjufang?

As a first-tier city in China, Shenzhen's housing demand is often unable to meet. Therefore, the government has specially introduced the purchase policy of Anjufang, in order to alleviate the tight purchase situation. For many property buyers, the down payment of Shenzhen Anjufang has become a topic of concern to them. Come and have a look today!

The down payment of Shenzhen Anjufang mainly depends on the conditions of buyers. According to different types, the down payment ratio of anjufang is also different. If you are a resident of a local registered permanent residence in Shenzhen and have never bought a house before, the down payment for an affordable house is 30% of the total house price. If local residents have a house before buying affordable housing, the down payment will be 60% of the total house price. The down payment for foreign registered residents to buy a house is 30% of the total house price, and another 70% of the house price can apply for a housing loan from the bank. However, it should be noted that residents with foreign hukou must pay 13 months of social security and provide corresponding insurance certificates before they are eligible to buy, and they can only buy a set of affordable housing.

In addition, the down payment ratio of anjufang is also affected by the construction area. If you buy a small apartment within 90 square meters, the down payment will be higher than 20% of the total house price. If the anjufang is a large apartment, that is, a house larger than 90 square meters, the down payment should be no less than 30% of the total house price. The rest can apply for a loan from the bank, and the loan can be paid off by mortgage within the validity period. As for this, you can consult different bank staff to find out.

According to the relevant regulations, if the buyer already has a house and needs to buy another house, the down payment should be at least half of the total house price. If the buyer has three or more houses and then buys a set of affordable housing, the down payment is the full amount of the house. In this case, the bank cannot support the housing loan.

I hope the above answers are helpful to you.

How much is the down payment and monthly payment of Shenzhen Anjufang?

Hello, Shenzhen Anjufang is a government policy to solve the housing problem of low-and middle-income families. Its house price is more favorable than the market price, but there are certain requirements for down payment and monthly payment.

First of all, the down payment ratio of Shenzhen Anjufang is about 20%, that is, 20% of the total purchase price is used as the down payment. For example, to buy a set of affordable housing with a price of 6.5438+0 million, the down payment needs about 200,000.

Secondly, the monthly supply of Shenzhen Anjufang depends on the loan amount and loan term of the buyers. Generally speaking, buyers can choose provident fund loans or commercial loans, and calculate the monthly repayment amount according to the loan interest rate and repayment period. Take the provident fund loan as an example. Suppose the buyer borrows 800,000 yuan, the term is 20 years, the interest rate is 3.25%, and the monthly repayment amount is about 4,000 500 yuan.

It should be noted that there are certain requirements and restrictions on the purchase qualification and application process of Shenzhen Anjufang, and buyers need to provide relevant certification materials and pass the audit before purchasing. In addition, the purchase of Anjufang also needs to pay related taxes, property fees and other expenses.

Generally speaking, the down payment and monthly payment for buying a house in Shenzhen are lower than the market price, but certain conditions and application procedures need to be met.

Shenzhen Anjufang loan cannot be approved.

Shenzhen Anjufang loan can't be approved, mainly because of the change of market economy situation, the adjustment of mortgage policy and the unqualified loan application conditions of customers. On the one hand, changes in the market economy, stricter national macro-control policies, higher requirements for bank loan approval, stricter loan approval standards, and adjustment of mortgage policies will all affect loan approval; On the other hand, the loan application conditions of customers do not meet the requirements, such as the credit record, income status and asset certificate of the loan applicant, which will affect the loan approval. Therefore, housing loans may be rejected.

Shenzhen Anjufang loan interest rate

What you want to ask is the interest rate of Shenzhen Anjufang loan? There are different interest rates in different years, as follows:

I. Current commercial loan interest rate

(1) More than 5 years: 4.90%;

(2) 1-5 years (including 5 years): 4.75%;

(3) 1 year (inclusive): 4.35%.

Second, the current provident fund loan interest rate

(1) More than 5 years: 3.25%;

(2) Less than 5 years (including 5 years): 2.75%.

If the purchaser has no house in this city under the family name and uses the provident fund loan to purchase the first house, the minimum down payment ratio of the provident fund loan is 30%, and the loan interest rate is the benchmark interest rate of the individual housing provident fund loan; If the purchaser owns 1 house under the family name of this city and uses the provident fund loan to purchase a house again, the down payment ratio of the provident fund loan shall be no less than 70%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the individual housing provident fund loan.