Shanghai New Loan Policy 202 1 Calculator Shanghai New Loan Policy 20 16

20 16 what is the difference between the provident fund loan policies for the first and second suites in Shanghai?

If you handle personal housing provident fund loan business in China Bank.

1. The following policies will be implemented from 201165438+129 October (Note: the online signing time of the borrower's house purchase contract is 20165438+/28 October (inclusive).

1. Identification of the first housing: there is no housing in this city under the name of the borrower's family and the borrower's family has no record of provident fund loans in this city, including the case that the borrower or spouse is not the borrower. Including the following situations:

(1) If a married borrower owns real estate with his parents before marriage, the borrower and his spouse can each own 1 set of * * * houses not included in his name;

(2) If an unmarried borrower shares a house with his parents, the borrower may own 1 house not included in his name;

(3) The borrower's family applies for a housing provident fund loan with property rights protection, and it is still recognized as the first home.

2, the second set of provident fund improved housing in two cases:

(1) The borrower's family has no house in the name of this city and has a record of 1 settled provident fund loan;

(2) The borrower's family has only 1 apartment in the name of this city, and the per capita housing construction area (calculated only for the borrower's family) is not higher than 35.5 square meters, and there is no record of provident fund loan or the record of settled provident fund loan 1.

Note: The number of major renovation loans applied for in combination with provident fund housing loans is not included in the number of employees' family provident fund deposits.

3. In any of the following circumstances, stop issuing provident fund loans:

(1) Borrower's family with 2 provident fund loans;

(2) the borrower who buys the second set of non-improved housing.

(3)* * * The same borrower is an immediate family member of the borrower, and there are two provident fund loans under his name, which is not regarded as * * * the same borrower.

2. The following policies will be implemented from August 4th, 20 15 to June 28th, 2016 (inclusive):

(1) Identification of the first suite: For families who have no record of commercial or provident fund loans or have settled commercial or provident fund loans, purchase the first self-occupied housing and implement the provident fund first home loan policy.

Note: According to the basis for determining the number of apartments, the borrower or his spouse shared 1 apartment with his parents before marriage, or the borrower and his spouse shared 1 apartment with his parents before marriage, it can be determined that the inquired house does not belong to the name of the borrower's family members. In other words, it is not necessary for the borrower to own a house before marriage with his parents, nor for the spouse to own a house before marriage with his parents. In extreme cases, a family can exclude two houses, some of which are determined according to the date of marriage certificate later than the date of real estate license. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members. (The following is the same as the number of sets)

(2) Identification of two sets of improved provident funds: For families who own a house and have settled commercial loans and provident fund loans, and the per capita living area meets the requirements below 35. 1 square meter, if they apply for provident fund loans to buy ordinary houses again to improve their living conditions, they can refer to the first provident fund loan.

note:

(1) In principle, the per capita living area is determined by taking the nuclear family of the existing property owner as the unit, that is, the property owner, the spouse of the property owner and their minor children. If there are a large number of actual residents, they can provide the "Resident Certificate" issued by the street/neighborhood committee where the property owner or the borrower is registered before they can move in.

(2) Ordinary housing standards shall be subject to the ordinary housing standards stipulated by the Shanghai Municipal Government:

Multi-storey houses with more than five floors and old apartments with less than five floors, new alleyways and old alleyways, etc. ;

The single building area is below140m2;

The actual transaction price is lower than 1.44 times of the average transaction price of land and houses of the same level, less than 4.5 million yuan/set within the inner ring road, less than 365,438+10,000 yuan/set between the inner ring road and the outer ring road, and less than 2.3 million yuan/set outside the outer ring road (the same below for ordinary housing identification standards).

(3) Access to provident fund second-home loan: For those who own a house and the per capita living area meets the requirements of less than 35. 1 m2, and the property purchased this time is not ordinary housing, it shall be implemented according to the provident fund second-home loan policy.

(4) Families who buy the third and above houses cannot accept provident fund loans.

(5) Regarding the determination of the number of housing units and the down payment ratio of loans in the application for family home purchase portfolio loans, the relevant regulations currently implemented by the bank shall prevail.

Three, please consult the provident fund loan business outlets or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

20 16 the latest content of Shanghai second suite policy

Investing in real estate in Shanghai can be said to be a very profitable thing. In addition, there are many people with improved needs who also want to buy a second suite. However, the second-home policy in Shanghai is very strict. The following small series will introduce you to the latest content of Shanghai's second suite policy, hoping to help you.

1. What are the second-home policies in Shanghai?

Upon the application or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.

If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.

In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:

(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;

(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;

(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).

2. What are the criteria for determining the second suite in Shanghai?

The Lender implements the second (or above) differentiated housing credit policy for the Borrower:

First, in the housing registration system (including the pre-sale contract registration and filing system) where the house to be purchased is located, the family has registered one or more complete houses;

Second, the borrower has used the loan to purchase one or more houses;

Third, through due diligence, it is convinced that the borrower's family already owns a set (or more) of housing, that is, the "investigation of recognizing housing and recognizing loans".

At the same time, it is stipulated that "the competent department of urban real estate with inquiry conditions shall inquire about the borrower's family housing registration records through the housing registration information system and issue written inquiry results".

3. What is the down payment ratio and interest rate of the second home loan in Shanghai?

Down payment ratio: not less than 70%.

Loan interest rate: benchmark interest rate rises 10%.

The above is the second suite policy in Shanghai introduced by Bian Xiao. I hope it will help you. For more information about Shanghai's second suite policy, please continue to pay attention to Tuba Rabbit Decoration Network.

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20 16 what is the commercial loan interest rate (commercial mortgage interest rate) in Shanghai?

The central bank has adjusted its mortgage policy too frequently. First-tier cities like Shanghai are more affected by policies, and house prices continue to rise. What is the expected annualized interest rate of 20 16 Shanghai commercial housing loan when 30 local banks make a down payment on the first suite? I think this is also the information that Shanghai just needs.

What is the expected annualized interest rate of commercial loans in Shanghai?

China People's Bank announced that commercial loans with a term of more than 5 years were 7. 83%, since June 27, 2008, the lower limit of the expected annualized interest rate of commercial personal housing loans has been expanded to twice the expected annualized interest rate of the loan benchmark; The minimum down payment ratio is adjusted to 20%. First, the expected annualized interest rate and down payment ratio of financial institutions' loans to customers should be determined according to whether the borrower buys a house for the first time, whether it is an ordinary house, whether the borrower's credit history, repayment ability and other risk factors are above the lower limit. Second, financial institutions can give preferential support in terms of expected annualized interest rate and down payment ratio for the loan demand of residents who purchase ordinary self-occupied housing for the first time and improved ordinary self-occupied housing; Financial institutions should appropriately improve the loan conditions for non-owner-occupied housing and non-ordinary housing. The third is to lower the expected annualized interest rate of individual housing provident fund loans. Among them, the term of less than 5 years (inclusive) is adjusted from the current period to more than 5 years, and the current adjustment is lowered by% respectively.

Supplement:

Commercial loans with provident fund loans for more than 5 years are the lowest.

Attachment: 20 16 What is the trend of house price?

The real estate market continues to divide. The contradiction between supply and demand in first-tier cities is more prominent, so the purchase restriction will not be completely cancelled, but there will be fine-tuning, such as the provident fund policy, the standard for the identification of ordinary housing, and the standard for the purchase of houses by migrants, which will gradually release new purchasing power. The overall recovery of the market in first-tier cities has been established, and the transaction volume will be better in 20 15 years, and house prices will rise slowly.

Other cities will completely abolish administrative measures, among which strong second-tier cities will follow the first-tier cities, and the volume and price will rise together. In weak second-tier cities, the transaction volume will be enlarged, but the price increase is weak.

In the vast majority of third, fourth and fifth tier cities, the real estate market is basically in a state of "crossing the wild without a boat". In these cities, just-needed families can buy houses in the city center, and investors had better go to big cities. The new suburb will become a ghost town at any time.

20 16 down payment ratio of second apartment in Shanghai

The down payment of the second home loan is the abbreviation of the down payment of the second ordinary self-occupied mortgage loan, and the policies vary from place to place. As a first-tier city, what is the down payment ratio of 20 16 Shanghai second suite?

Shanghai issued "Several Opinions on Further Improving Shanghai's Housing Market System and Security System to Promote the Stable Development of the Real Estate Market" (hereinafter referred to as "Opinions"). According to the opinion, the Shanghai housing market system continues to adhere to housing-oriented, paying more attention to supporting the first set and improving housing demand; Adhere to the principle of giving priority to citizens, pay more attention to meeting the housing needs of Shanghai registered population and non-local registered population with stable employment, ensure the construction of scientific and technological innovation centers, and introduce talents; Adhere to ordinary commodity housing, and pay more attention to the housing needs of medium and low-priced units and small and medium-sized units.

It is strictly forbidden for real estate development enterprises and real estate intermediaries to engage in off-site fund-raising financial services such as down payment loans, bridge loans, self-financing and self-guarantee, and the establishment of a fund pool. We will carry out special rectification of various informal financial institutions that provide various forms of financial services for real estate transactions.

Strictly implement the housing purchase restriction policy. Increase the number of years for non-Shanghai registered households to pay personal income tax or social security when buying a house, and pay it continuously for more than two years in Shanghai in the first three years from the date of buying a house, and adjust it to five years or more from the date of buying a house. It takes 3 years or more for the commercial housing purchased by enterprises to be listed and traded again.

Strictly implement differentiated housing credit policies and strengthen the management of individual housing loans. For households with 1 apartment, if they apply for a commercial personal housing loan again to buy ordinary self-occupied housing in order to improve their living conditions, the down payment ratio shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. When applying for a loan, buyers should also promise that the down payment will be their own funds. Those who violate the promise will be included in the Shanghai public credit information service platform as untrustworthy information.

In addition, Shanghai will also increase the supply of housing land and increase the supply ratio of small and medium-sized commercial housing.

So much for Shanghai's new loan policy 20 16.