What is the mortgage interest rate of Suzhou house?

How to borrow money to buy a house in Suzhou

In order to alleviate the financial pressure of buying a house, most owners choose to use mortgage loans when buying a house, but the loan policies in different regions are different. So how do you borrow a house mortgage in Suzhou? Let's take a look with Bian Xiao.

How to borrow money to buy a house in Suzhou

1, put forward a loan

Lenders who meet the loan conditions first submit their own mortgage loan application to the loan bank, and need to specify their loan amount, loan term, loan purpose, etc.

2. Submission of materials

Lenders submit their own relevant loan materials to the loan bank, such as: ID card, marriage certificate, bank flow in the last six months, work certificate, real estate license of mortgaged house, credit report, etc. What materials need to be submitted, you need to consult the loan bank.

3. House evaluation

When the lender submits the loan materials, the loan bank will arrange relevant staff to inspect and evaluate the mortgaged house and take photos as evidence.

4. Evaluation report

The appraisal company conducts appraisal according to the actual situation of the mortgaged house, and will provide the final appraisal report or opinion for the loan bank.

5. Sign a loan contract

The lender and the loan bank jointly sign a formal loan contract and related loan materials, which need to be signed and fingerprinted, and a notary is required to be present for notarization.

6. Mortgage registration procedures

The loan bank carries the loan contract and the real estate license of the mortgaged house to the Housing Authority for mortgage registration.

7. Lending loans

According to the loan policy and approval documents, the loan bank will distribute the approved loan funds to the bank account provided by the lender or directly transfer them to the merchant account with cooperative relationship.

The above is a detailed introduction on how to apply for housing mortgage loan in Suzhou, hoping to help those friends who want to apply for housing mortgage loan in Suzhou. Before applying for a mortgage loan, you must understand the relevant loan policies and loan processes before you can apply.

Suzhou loan housing policy

1. There are two sets of commercial housing records in the personal name, one set has been paid off and sold, and the other set has not been paid off. In this case, if you refinance, the loan house will be counted as three suites;

2. There are two commercial loans in the name of the individual, both of which have been paid off and sold, and will be recognized as the third set when lending again;

3. A set of commercial housing loans under the name of the individual has been paid off, and another set of provident fund loans has also been paid off, and then the loan is used to buy a house;

4. Both husband and wife buy houses by commercial loans before marriage, and the other party buys houses by provident fund loans. After marriage, both of them buy a house in the name of * * *, which is also considered as three suites;

5. The situation that one of the husband and wife has a house without loan before marriage and has not sold it, and the other party buys it with a commercial loan for his parents, and then buys the house with a provident fund loan in the name of the one without loan after marriage;

6. Before marriage, both husband and wife have a house purchased in full under one party's name, and a house purchased by provident fund loan has been paid off and not sold. After marriage, the two want to apply for provident fund loans to buy a house in each other's name.

7. Before marriage, one of the husband and wife bought a house in full without a loan, and after marriage, they bought a house in full in the name of the other party. Now they are going to buy a suite with a provident fund loan in the same name. What are the conditions for an individual to borrow money from a bank?

Generally speaking, personal loans need to meet the following basic conditions:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business requires a down payment, it has the ability to pay the full down payment;

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;

5, such as credit loans, need to have a good reputation;

6. Other conditions meeting the requirements of the bank.

In addition to personal bank loans, there are also corporate commercial loans. For the loan business of large and medium-sized enterprises, bank loan requirements are also different from personal loans. The loan object of a commercial loan must be a commercial enterprise, that is, it has economic income, the prepaid value can be compensated and increased, and there is a source of funds to repay the principal and interest of the loan. Enterprise loan requirements should meet the legitimacy and independence of operation, have certain self-owned funds, open a basic account in a bank, have the ability to repay the principal and interest on schedule, and have good credit. In addition, it is also necessary to meet other requirements such as collateral required by banks. The specific loan requirements of each bank are different, and lenders need to go to specific banks for corresponding consultation.

Second, the information to be released and provided.

1. Original and photocopy of resident ID card;

2. The original and photocopy of the house subscription book;

3. The original and photocopy of the down payment;

4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.

What are the 20 19 mortgage policies in Suzhou?

Now all major cities are implementing the purchase restriction order, which has a great impact on mortgage loans. For property buyers or investors, we should always pay attention to policy changes. So, what is Suzhou's mortgage policy? Who can buy a house in Suzhou? Next, Bian Xiao will come and talk to you.

I. Suzhou Mortgage Policy 20 19

1, first home loan: the minimum down payment ratio shall not be less than 30% when purchasing ordinary housing for the first time;

2. Families who have a record of buying a house loan but have no room when buying a house: the minimum down payment ratio for applying for a commercial loan to buy a house is 50%;

3. Families with a suite but the loan has not been paid off: apply for a loan to buy a house again, and the minimum down payment ratio is 80%.

Second, there is no limit to who can buy a house in Suzhou.

1. Full-time talents with bachelor degree or above (intermediate title) who have worked in Xiangcheng District for three months can prove that they are not restricted by household registration, social security and points. Suzhou outstanding talents, experts and scholars who have made outstanding contributions to the development of Xiangcheng, if they do not have the relevant conditions, can refer to the high-level talents in the area to buy houses.

2. According to the types of talents, we will give 600-2000 yuan/_ discount to the commercial housing projects built or participated in by township state-owned companies, and give priority to the real estate development enterprises to invest in new real estate projects in the region. Provide free translation and notarization of identity documents and on-site handling services for foreign talents.

3. All kinds of talents listed in the catalogue of high-level talents who enjoy the housing provident fund support policy can enjoy 1.5-4 times the loan amount for the first time, and the provident fund can be paid for one month; The deposit of the provident fund can be calculated according to the actual total wages, and is not limited by the upper limit of the deposit base of the provident fund.

Summary: The above is Suzhou mortgage policy 20 19. Before buying a house with a loan, you must pay attention to whether you have a record of buying a house with a loan, which will directly affect the loan, amount and down payment ratio.

What are the requirements for housing loan conditions in Suzhou?

Suzhou housing loan conditions:

1. Agree to use the purchased house as collateral;

Two, the borrower's age plus the loan period is not more than 65 years old for men and 60 years old for women;

3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China;

Four, must pay a down payment of not less than a certain percentage of the total price of the purchased house;

Five, with stable professional and economic income, good credit, the ability to repay the principal and interest of the loan;

Six, has signed a contract or agreement to buy housing.

Seven, provide a guarantee approved by the management center.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Basic concepts:

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject). Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

What are the mortgage policies in Suzhou?

Now, if you want to buy a house, you need to prepare a lot of money, so most people choose to buy a house by loan, but the loan policies in different regions are different. So what are the mortgage policies in Suzhou, and what problems should be paid attention to when buying a house in Suzhou? Do you know that?/You know what? Now let's have a look. \ r \ n \ r \ n \ r \ n \ r \ nI What are the mortgage policies in Suzhou \r\n\r\n\r\n 1? To buy the first suite in Suzhou, the loan cannot exceed 70% of the transaction price; 2. If you buy a second suite, the loan cannot exceed 50% of the transaction price; 3. For families who already own two properties under their names, loans are not supported to purchase houses; 4. Non-Suzhou residents can only buy one property, and local residents in Suzhou can't buy more than three. \ r \ n \ r \ n \ r \ n \ r \ Second, the problems that must be paid attention to when buying a house in Suzhou \ r \ n \ r \ n 1 Foreigners who go to Suzhou to buy a house are basically just-needed groups, and for such people to buy a house, daily comfort needs to be considered. \r\n\r\n\r\n\r\n2. Are there large commercial and medical facilities, supermarkets, schools and colleges around the community? All these determine the quality of life of community residents. Moreover, we should pay attention to whether there is a plan for the area where we want to buy a house and understand the potential appreciation ability of the house. \r\n\r\n\r\n3. According to statistics, consumers who buy houses in Suzhou are generally around 20 years old. For their children's future studies, they will choose a community with kindergartens and nearby primary and secondary schools to facilitate their transportation and bring a bright future to their children. Then, the service of residential property, paying property fees, requires property companies to do a good job of service. \ r \ n \ r \ n \ r \ n \ r \ What are the mortgage policies in Suzhou and the problems that must be paid attention to when buying a house in Suzhou? Let me introduce them here first. You got it? Buying a house in Suzhou is not an easy task. You need to prepare enough funds and choose a good house so that you can live more comfortably.