Jinzhou loan to buy a house

First of all, determine which developer's house to buy, because now the mortgage of joint-stock banks is signed with the developer (there are other regulations on sporadic mortgage). There are access requirements for real estate developers, and developers must have the development qualification grade certificate approved by the competent department; Hold valid construction land planning permit, state-owned land use permit, construction project planning permit, construction project construction permit and commercial housing sales (pre-sale) permit.

Moreover, each bank's mortgage process is different. I will probably introduce you to the relevant knowledge:

For the purchase of the first self-occupied housing and the construction area of Xing Tao is less than 90 square meters, the down payment ratio of the loan shall not be less than 20%; If the first self-occupied house is purchased and the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%; If you have used the loan to purchase a house and apply for the purchase of a second house (inclusive), the down payment ratio of the loan shall not be less than 40%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate of the same grade in the same period announced by the People's Bank of China. The down payment ratio and interest rate level of loans should be greatly improved with the increase of the number of sets. If you apply for a loan to buy a third house, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1.2 times of the benchmark interest rate of the same grade in the same period announced by the People's Bank of China. The business of applying for a loan to buy a third house or above shall not be accepted. The number of housing units is calculated based on the borrower's existing mortgage loan information records in the personal credit information system of China People's Bank.

What's the difference between an auction house and an existing house?

Xianfang refers to the building whose main structure has been capped, the land price has been paid, the relevant procedures have been completed, and the project has passed the acceptance. There are no unfavorable factors or unresolved problems that may affect the completion, occupancy and handling of the real estate license. The building should meet all the requirements of the real estate license issued by the relevant departments or the real estate license has been completed. Faster housing refers to a building where the developer does not have full property rights, but the project developed by the developer has reached the top of the main structure of multi-storey residential buildings and two-thirds of the total investment of high-rise residential buildings has been completed. The city where the developer has obtained the pre-sale permit can handle the mortgage registration of the auction house, and the bank can issue individual housing loans.

After paying the down payment, you can repay the loan in Beijing, as long as you regularly transfer the money to your card that pays the principal and interest, you don't have to go back in person.

School district: Jiefang Primary School, No.8 Middle School, near Jinzhou Middle School, about 2,500 yuan/square meter; Bao Er Primary School near No.4 Middle School is about 2,000 yuan/square meter.

The general area of the city is around 1400- 1800 yuan/square meter.

The suburb is about 1000- 1200 yuan/m2.

The above is the price of second-hand houses.

Liaogong Dongyuan is near Liaogong 1850 Yiping, a new community.

If it weren't for the suburbs, the house price would be more than 2,000, and the good price would be nearly 4,000.

The name of the building is approved by the price bureau, and the pre-sale price of the house is released by the company.

Shili1No.23 1500 yuan /m2 Jinzhou Baodi Construction Group Co., Ltd.

East Campus Bridge South New Area Heqing Street 3500 yuan/m2 Jinzhou Baodi Construction Group Co., Ltd.?

No.3 Weidong Street, Linghe District, Haoyuan, Paris 2800 yuan /m2 Jinzhou Baodi Construction Group Co., Ltd.

Jinzhou Fanghua Real Estate Co., Ltd., one household at one price, east of Xiaoling River, Lingxi Street and Lvjingwan.

No.3 Section of Jiefang Road, Guta District/No.0/9 Kaixuan Mansion, 2978 yuan /m2 Jinzhou Lingyun Real Estate Development Group Co., Ltd.

Tianxing New World Guta District Heping Road Section II and Section III 2980 Yuan /m2 Jinzhou Tianxing Real Estate Development Co., Ltd.

Xingfu Jiayuan Guta District Shili 1480 yuan/m2 (base price) Jinzhou Tianxing Real Estate Development Co., Ltd.

Hengsheng Modern City, No.29 Luoyang Road, Linghe District 2480 Yuan /m2 Jinzhou Liaoxi Housing Development Co., Ltd.

Li Juhua1No.30 Times Home 1980 yuan /m2 Jinzhou Xinyue Real Estate Development Company, Linghe District

Kaixuan Jiayuan He Xiaoling Nanqiao East 1780 yuan /m2 Jinzhou Lingyun Real Estate Development Group Co., Ltd.

Jin Jiefang Road Sixth Section 2070 Yuan /m2 Jinzhou Jincheng Housing Development Co., Ltd. J?

No.3 Sunshine Garden, Section 6, Yan 'an Road, Linghe District 1730 yuan /m2 Jinzhou Xinyi Housing Development Co., Ltd.

Jinzhou Hua Ting Linghe District North Erli 2800 yuan/square meter Jinzhou Shenghua Real Estate Development Co., Ltd. Lee Tae Longzhu Garden Lingnan New District Central South Street 2580 yuan/square meter Liaoning Lee Tae Industrial Co., Ltd.

Fugui Jinzhou Huaguangyuan Real Estate Development Company, Section 2 of Beijing Road, Guta District 1660 yuan/m2.

1680 yuan/Houwuli, Linghe District, Shi Sheng Xincheng jinzhou area Residential Property Development Co., Ltd.?

Jinxiu Jiayuan Beihu Park is adjacent to the west 1590 yuan /m2. Huludao haiye real estate development co., ltd.

Jinlong Garden, Garden Lane 19, Linghe District, 2280 yuan/m2 Jinzhou Shuanglong Real Estate Development Co., Ltd.?

Chaoyang Garden Guta District North Xingyeli 1480 yuan /m2 Jinzhou Huancheng Real Estate Development Co., Ltd.

W Bud of Daxing Real Estate Development Co., Ltd., 2800/ m2 Shiying South Street, Guta District, Yuanzhongyuan:

East of Yan 'an Road and North of Jiefang Road, Linghe District, Xudong Garden 1300 yuan /m2 Jinzhou Xingjia Housing Development Co., Ltd.

No.90 Tai 'anli, Taihe District, Lingshui Haoyuan 1540 yuan /m2 Jinzhou Taishan Real Estate Development Co., Ltd.

Sixth Section of Yan 'an Road, Linghe District, Rongdayuan 1680 yuan /m2 Jinzhou Rongda Junzhuan Housing Development Co., Ltd.

Juhuayuan 1980 yuan /m2 Jinzhou Li Shuang Real Estate Development Co., Ltd., Section 5 of Nanjing Road, Linghe District

Xihuayuan Community (Phase II Project) 1780 yuan/m2 Xi 'anli of jinzhou area Overseas Chinese Housing Development Co., Ltd. in Guta District.

Meteorological Observatory Community (Phase II Project) Guxueli 120- 135 1380 yuan /m2, Jinzhou Fuxing real estate development is limited.

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Note: Not all the properties listed in the table are existing houses, and some properties that have been sold out or some properties that have not been filed with relevant departments may be existing houses.

Omitted, in addition, the auction house has not been included, and there is no special order of real estate. Unless otherwise specified, the price is the pre-sale price of the skin room of the Municipal Price Bureau for your reference. Excerpt from Jinzhou Evening News