Wuhan home purchase loan policy?

I. Wuhan home purchase loan policy?

Wuhan household registration home buyers, no property in Wuhan, but there is a suite in foreign countries, and the mortgage has not been paid off, in Wuhan to buy a home down payment is also required to 50%; if it is a non-Wuhan household registration, there is a qualification for the purchase of a home, but instead, only need to down payment of 40%; regardless of whether it is a Wuhan household or a foreign household registration, if there is no house in the name of the divorce after the first set of policy to buy a home, if there is a suite in the name of the new policy will be implemented as a two set of policy.

Two, Wuhan divorce to buy a new policy

Legal analysis: Wuhan divorce to buy a new policy is, for the divorcee to apply for the first set of mortgage, must be divorced more than 1 year to lend, that is, the bank during the marriage relationship between the husband and wife **** have real estate borrowers.

Legal basis: "The Chinese people

Article 1,076 of the husband and wife voluntarily divorced, shall sign a book marriage registration authority to apply for divorce registration. Divorce agreement shall set out the intention of both parties to the voluntary divorce and on matters such as child rearing, property and debt disposal consensus

Article 1,079 one of the husband and wife requesting a divorce, can be mediated by the relevant organizations or directly to the people's marriage case, shall be mediated; if the feelings have really broken down, mediation is ineffective, the divorce shall be granted. Divorce shall be granted where mediation is ineffective in one of the following cases: (a) bigamy or cohabitation with another person; (b) domestic violence, or abuse or abandonment of family members; (c) persistent refusal to change vices, such as gambling or drug abuse; (d) separation for two years due to incompatibility; and (e) other circumstances leading to the break-up of the husband and wife's feelings for each other. Where one party has been declared missing and the other has initiated divorce proceedings, the divorce shall be granted. After the people's decision not to allow divorce, the two sides and live apart for a full year of marriage proceedings, shall be granted a divorce.

Article 1,085 after divorce, the children are directly raised by one party, the other party shall bear part or all of the alimony. The amount and duration of such expenses shall be agreed upon by the two parties; if the agreement fails, the people shall adjudicate.

The agreement or judgment provided for in the preceding paragraph shall, if necessary, be made to either parent in excess of the requirements.

Article 1,087 in the event of divorce, the husband and wife's **** the same property shall be dealt with by agreement between the two parties; if the agreement fails, the people shall, in the light of the specific circumstances of the property, in accordance with the principle of taking care of the rights and interests of the children, the woman and the party not at fault, the judgment. The rights and interests of the husband or wife in the management of the family land contract shall be protected in accordance with the law.

Three, Wuhan's latest purchase policy 2022

Wuhan as the capital city of Hubei Province, the property has been the attention of more buyers, but the current Wuhan purchase restrictions are more stringent, buyers need to understand whether they have the conditions before buying a house. The following to organize the latest policy provisions of the 2022 Wuhan to buy a house, together to see!

A, restricted area and unrestricted regional division (no new changes in 2022) (a) restricted area: Jiangan District, Jianghan District, _ mouth area, Hanyang District, Wuchang District, Qingshan District, Hongshan District, and Wuhan East Lake New Technological Development Zone, Wuhan Economic and Technological Development Zone (excluding Hanan), East Lake Ecotourism Scenic Area, and East and West Lake, Jiangxia District, Huangpi District, some of the area. The east-west lake, Huangpi, Jiangxia District is part of the scope of the purchase restrictions, the specific scope is as follows: 1, east-west lake: jinyinhu, jinyintan, wujiashan piece (east of jingzhu high-speed, hu rong high-speed south, west of the fujian river). ps: east-west lake purchase restriction area in 2019 there is a fine-tuning of the hongtu road east of the purchase restriction area, including the times of the metro cloud on the city, etc..

2, Jiangxia District, Paper Square, Miaoshan, Bridge, Zanglong Island, Zheng store part of the area (Jiangxia District, east of National Highway 107, Shanghai and Chongqing Expressway to the north)

3, Huangpi District, Panlongcheng piece (Wuhan outside the city around the highway to the east, south of the back lake, Daihuang Expressway to the west, the north of the Fuhe River)

4, the Yangtze River New City Starting Area (the latest version of August 2019): the plan The scope of the east to the Wuhu Pumping Station River, the south to the north bank of the Yangtze River, the west to the name of the river, the Fuhu River, the southwest to Zhanggongdi Road, the north to the Jiangbei Railway. Although the scope of the starting area of the Yangtze River New City expanded to the north of the fourth ring road, but the scope of the Yangtze River New City property market restricted area has not been adjusted for the time being, north of the Jiangbei Railway Qingneng Zhengrongfu, Nande Yangtze River City and other properties are still not restricted area.

(2) not restricted area: Caidian District (all), Xinzhou District (all), Hannan District (all), Huangpi District (after the lake north area including Hengdian, Qianchuan, etc., Hankou North, the Yangtze River New City in the starting area of the Jiangbei Railway in the north of the area), Jiangxia District (Wuli boundary, the jinkou), East and West Lake District (go Ma Ling).

Second, the purchase policy and down payment to buy a house (a) restricted area of the city's household registration (collective account is considered as the city's household registration) sets of rules: recognized Wuhan housing recognized the national scope of the outstanding residential loans (held by the commercial office product loans are not counted as a set) 1, the first suite of houses in Wuhan, no house without a loan, then in the restricted area of the purchase of a home, the proportion of the down payment is not less than 30%. 2, the second suite of houses 1 have 1 set of housing in Wuhan (regardless of loan settlement or not), the second suite of houses is not less than 30%. Regardless of whether the loan is settled or not), then buy another house in the restricted area, the second suite down payment ratio is not less than 50%, the purchase of non-ordinary residential (144 square feet or more) down payment ratio is not less than 70%.2 However, if the first suite without a loan, the purchase of second-hand houses can be calculated in accordance with the interest rate of the first suite depending on the circumstances (the down payment is still required to be 50 percent).3 If there is no housing in Wuhan, there is a suite of loans not yet repaid, generally the minimum down payment of 40%. Generally, the down payment can be as low as 40%.3. 2 Suites and above1 If you own 2 or more houses in Wuhan, you are not allowed to purchase a house in the restricted area.2 If you have 2 or more housing loans outstanding nationwide, you are not allowed to take out a loan to purchase a house. (B) restricted area of non-city household 1, the conditions of purchase according to the Wuhan City purchase policy, non-Wuhan families in the restricted area to buy the first housing, should provide from the date of purchase of 2 years (including 2 years) continuously in Wuhan to pay social insurance or personal income tax certificate, and can only buy 1 housing. Note: some areas (such as Hanyang) do not recognize the provincial social security. 2, the first suite in Wuhan without housing and no loan, then in the restricted area of the purchase of a home, the down payment of not less than 30%. 3, the second suite in Wuhan City, already have one or more housing, you can not buy a home in the restricted area. (C) not restricted area (Wuhan City household registration and non-Wuhan City household registration policy is the same) only recognize the loan does not recognize the house: recognize the national scope of outstanding residential loans (commercial product loans do not calculate the number of sets) in the region not restricted area, theoretically, the first suite of the minimum down payment of 20%, the second suite of the minimum down payment of 3%, and the first suite, the second suite identified rules for the "recognition of the loan does not recognize the room ", regardless of whether the Wuhan household registration and in Wuhan under the name of whether there is a house, as long as there is no mortgage, in Wuhan not limited to the purchase of area purchase of houses are considered as the first suite. 1, first suite: the policy level of the proportion of the down payment is not less than 20%, a small number of properties can be realized, there are many properties require the proportion of the down payment is not less than 30%. 2, the second suite of the name of a set of commodities in the country residential loan, as a second suite, minimum down payment is not less than 30%. 2, the second suite is considered as a second suite, minimum down payment is not less than 20%. Considered as a suite of two, the minimum down payment ratio of not less than 30%, but also a lot of unrestricted area of the property generally require a down payment ratio of not less than 40%.3, two suites and more than two or more sets of commercial residential loans under the name of the country, you can buy commercial real estate in Wuhan unrestricted area of the whole amount of the loan, not a loan. (D) special circumstances of a local suite, there is a set of loans outside how to count? Recognize the local housing, recognize the national loan, the above situation is considered a second suite, the down payment of 50%. No local housing, how to calculate a foreign loan? Different banks have different policies, generally the down payment can be 40-50%. What is the calculation for a local non-homeowner who has two mortgages abroad? You can buy a house if it meets the purchase restriction policy, but you can't get a loan. What if I have a local home but no loan? According to the policy of the second suite, the down payment is not less than 50%, but may be able to follow the first suite interest rate to implement. (E) condominiums and stores (40-year property rights) down payment of 50%, only commercial loans can not CPF loans, up to 10-year loans, interest rates of a minimum of 10%, the current general up 50% or more.

Four, what are the conditions for buying a home loan in Wuhan?

The first-hand mortgage loan application conditions

(1) have a legally valid identification (resident identity card, household registration or other valid identification) and proof of marital status;

(2) have a good credit record and willingness to pay back;

(3) have a stable source of income and the ability to repay the loan principal and interest in full and on time;

(4) have the ability to pay back the loan principal and interest in full and on time. p>

(4) have a contract or letter of intent for the sale (pre-sale) of the house purchased;

(5) have the ability to pay the first installment of the purchase price of the house purchased;

(6) have a personal settlement account at the bank;

(7) have a valid guarantee recognized by the lender;

second-hand mortgage loan application requirements

(1) the borrower's legitimate Identity documents;

(2) proof of the borrower's financial income or proof of occupation;

(3) the borrower's family household register;

(4) a borrower with a spouse is required to provide proof of the relationship between the husband and the wife;

(5) if there is a *** with the borrower, the borrower must be provided with a written commitment signed by all parties to the borrower to clarify the responsibility of *** with the repayment of the loan;

< p>(6) Proof of the property rights of the purchased second-hand house;

(7) The House Sale and Purchase Contract signed with the seller, and the transfer account number provided by the seller;

(8) If the collateral is subject to appraisal, the appraisal report on the collateral issued by the appraisal institution recognized by the lender;

(9) Written authorization from the purchased house's property rights ****person agreeing to the sale of the house documents;

(10) other documents or information required by the lender.

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