What are the loan conditions for the first home in Qingyuan? What is the loan amount for the first home?

At present, banks have a variety of loan methods. Many people are more concerned about the amount of provident fund loans, but they still don't know enough about the details. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets. So what are the loan conditions for the first home in Qingyuan, and what is the loan amount for the first home in Qingyuan? At present, banks have a variety of loan methods. Many people are more concerned about the amount of provident fund loans, but they still don't know enough about the details. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets. So what are the loan conditions for the first home in Qingyuan, and what is the loan amount for the first home in Qingyuan?

What are the loan conditions for the first home in Qingyuan?

Qingyuan first home loan must meet the following conditions, and prepare the following information:

1. application form (explain the application reason, account number, detailed bank name, account name and contact information).

2. Qingyuan personal income tax payment certificate (1February, the declaration will be made from the month when the mortgage principal and interest are paid for the first time, and so on).

3. Details of the mortgage principal and interest of Qingyuan Bank (from the month when the mortgage principal and interest are paid for the first time 12 months, the declaration will be made again, and so on).

4. The only proof of housing (proof of purchase issued by the real estate transaction management institution where the house is purchased). If there are two names on the property ownership certificate, it is necessary to prove that both of them are unique houses.

5. A copy of the title certificate.

6. Copy of ID card.

7. A copy of the loan contract of Qingyuan Bank.

8. A copy of the purchase contract for the first suite in Qingyuan.

It should be noted that the transaction price in Qingyuan second-hand housing purchase contract should be greater than or equal to the transaction price of loan contract (or mortgage and evaluation price), otherwise it will not meet the reporting conditions.

What is the loan amount for the first home in Qingyuan?

1. The loan amount of the first home provident fund in Qingyuan is affected by the following factors: down payment ratio, house appraisal value, loan ceiling, construction area, monthly income and monthly deposit, account balance, borrower's age, deposit base, etc. Among them, the down payment ratio, loan amount and deposit base are slightly different from place to place.

2. Qingyuan first home commercial loan amount: The factors that affect the commercial loan amount include down payment, house appraisal, borrower's repayment ability, personal credit information, house age, etc. It should be noted that the requirements of banks for repayment ability are relatively consistent, with monthly income ≥ monthly mortgage payment X2. Other factors vary from bank to bank.

3. For example, in terms of room age, it usually requires 20-25 years, a looser bank will require 30 years, and a stricter one is only 15 or 10 years.

4. In short, before applying for the first home loan in Qingyuan, you must first understand the relevant policy requirements through banks and provident fund centers, and buyers will make choices according to their own circumstances.

After reading the relevant introduction above, everyone has a further understanding of the loan conditions of the first suite in Qingyuan. The first suite can enjoy certain loan concessions. Generally speaking, most buyers only need to pay a relatively low down payment. Most banks need to prepare the first suite certificate when providing housing loans, which needs to be issued by the real estate bureau in advance.