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What is the loan restriction policy in Hangzhou?

Buying a house with a loan has become the first choice for most buyers. When applying for a loan to buy a house, you need to know what the local loan restriction policy is. For example, we want to borrow money to buy a house in Hangzhou, so what is the loan restriction policy in Hangzhou? Next, Bian Xiao will briefly introduce it to you.

1, in the face of high housing prices, most buyers choose loans to buy a house. According to the policy, the down payment ratio for purchasing the first suite in Hangzhou is 30%; The down payment ratio for buying a second suite is 60%. At present, Hangzhou implements the policy of recognizing houses and loans. Non-Hangzhou registered families have houses in other places and have no loan records. When applying for commercial loans, they will pay a down payment of 30%; Apply for provident fund loan, with a down payment of 60%. If a non-Hangzhou registered family has two houses in the field and two houses have been loaned, it is not allowed to apply for a loan to buy a house again.

2. Because the loan interest rate of provident fund is low, many buyers will choose provident fund loans. According to the relevant provisions of Hangzhou provident fund policy, employees applying for loans need to continuously deposit the provident fund that they regret for half a year. Employees who own two or more houses, or whose provident fund loans have been settled, cannot apply for provident fund loans. Employees can apply for provident fund loans separately, and the maximum loan amount can be 500,000 yuan; Families with two employees can apply for provident fund loans with a maximum loan amount of 6,543,800 yuan.

Before you apply for a loan to buy a house, you need to know whether you meet the local purchase restriction policy. According to the relevant policies and regulations of Hangzhou, married families with household registration in Hangzhou are limited to 2 houses, which means that there are 2 houses under the family name and they cannot apply for the purchase of commercial housing again; Single families in Hangzhou or non-registered families in Hangzhou are restricted to purchase a house. And non-Hangzhou household registration families need to provide social security or tax payment certificates for two consecutive years when purchasing commercial housing.

Bian Xiao concluded: What is the loan restriction policy in Hangzhou? Here Bian Xiao will give you a brief introduction. I hope that after reading this article, everyone can understand this. If you have any questions about the housing policy in Hangzhou, you can consult the local housing authority.

How much can I borrow from the provident fund when I buy a house in Hangzhou?

Hello, you can buy a house in Hangzhou within two years by accumulating social security for one year. You can't buy a house without paying social security. If you want to use the provident fund loan, it is best to pay the provident fund 1 year or more before the loan. The total house price is/kloc-0.5 million yuan, and the down payment for the first suite is at least 30%, that is, the maximum loan is/kloc-0.5 million yuan. Provident fund loans can only be used once. If the first home purchase loan is paid off, you can make a second loan if you need to improve it, but the down payment ratio is 60%. The following answers refer to the housing loan regulations of most cities in China. The regulations in different regions may be slightly different, but there is little difference. Please consult the local housing management department for details.

1. The loan for the first house purchase shall not exceed 80% of the total house price at most, 70% for the second house purchase and 60% for the third house purchase, and the loan is not allowed at the beginning of the fourth house purchase.

2. There are different regulations in different places, and there is a maximum limit for provident fund loans. For example, Beijing seems to have a maximum of 800,000, and most second-and third-tier cities have a maximum of 300,000 to 500,000.

3. You need to submit proof of income when handling loan procedures. Generally speaking, the monthly income is required to be no less than twice the monthly repayment amount.

4. The amount of provident fund loans is not affected by the remaining amount of the provident fund account. Just refer to the above three items.

5. The balance in the provident fund can be used to pay the down payment when purchasing commercial housing, or it can be extracted by the contract for purchasing commercial housing.

The total price of a house like yours is 250 thousand, and the loan does not exceed 200 thousand or 50 thousand at most If your monthly income is 2220 yuan, you can choose to pay it off in 25 years, with monthly repayment 104 1.4. It depends on your account balance. You can combine it with a commercial loan. Generally, it is 10 times of the loan account balance.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

How much can I borrow from a commercial loan to buy a house in Hangzhou?

Commercial loans for buying a house in Hangzhou can generally be 40-70%. If you buy the first suite with a commercial loan, the loan policy requires you to make a down payment of at least 30%, and the other 70% can be obtained through a bank loan.

The bank loan amount is generally based on your personal situation, combined with the valuation of your mortgaged house, your personal family income and salary level, giving you a maximum loan amount. Under normal circumstances, it is no problem to borrow 70%.

If you buy a second apartment with a commercial loan, Hangzhou's loan restriction policy stipulates that the down payment must be greater than or equal to 60%. In other words, you can only borrow 4- 1% from commercial banks at most. Basically, you have a house as collateral, and a loan of 40% is no problem.

The amount of housing loan in Hangzhou depends on the valuation of your house and your personal assets and repayment ability. Under normal circumstances, the maximum loan amount is about 70% of the house valuation.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

Hangzhou Housing New Deal 2022

The New Deal of Buying a House in Hangzhou in 2022

1, Hangzhou loan restriction policy

Supplementary explanation:

(1) Within the urban area, the second-home loan policy will be implemented for households that have 1 housing or have no housing but have housing loan records, and the down payment for provident fund and commercial loans will be no less than 60%. The interest rate of provident fund loans shall be implemented according to the benchmark interest rate of housing provident fund loans in the same period 1. 1 times.

(2) The maximum amount of housing provident fund loans in Hangzhou is 6,543,800 yuan, of which the maximum amount for individuals to apply for provident fund loans is 500,000 yuan, and the maximum amount for both husband and wife to deposit provident fund and apply for loans is 6,543,800 yuan.

(3) Strictly examine the source of funds for down payment of individual housing loans, and prohibit all kinds of "leveraged" financial products from being used for down payment of house purchases.

2. New house lottery policy

(1)20 18 From April 4th, Hangzhou implemented the method of notarization and lottery to sell new commercial housing;

(2) Tilt to high-level talent families without housing and families without housing.

Identification of "houseless family";

(a) there is no self-owned housing within the scope of purchase restriction in our city;

(2) Households whose household registration location belongs to the non-restricted scope of our city (Lin 'an District, Tonglu County, jiande city County, Chun 'an County) must also have no self-owned housing at their household registration location, and pay urban social insurance or personal income tax 12 months within the restricted scope of our city one year before the date of intentional registration;

③ Buyers who are unmarried and single over 30 years old and have no self-owned housing records within the scope of this Municipality's purchase restriction, and buyers who have been divorced and single for 3 years and have no self-owned housing records within the scope of this Municipality's purchase restriction; After 2065438+April 4, 2008, if the houses within the scope of the city's purchase restriction are transferred, and there is no record of their own houses within the scope of the city's purchase restriction for three years, they can be identified as families without houses.

④ Preference for high-level talents without housing: The recognized B, C, D, E talents and qualified talents at corresponding levels buy the first house in Hangzhou, and give priority to the supply according to the proportion of no more than 20%. .

202 1, 1, 27 If a high-level talent transfers a house within the scope of the city's purchase restriction, he must have no record of owning a house within the scope of the city's purchase restriction for three years before he can enjoy the priority of buying a house.

(3) From July 2, 2020, the newly-built commodity housing project will be publicly sold by notarization and lottery. From the date of the intention registration of this project to the date of the announcement of the lottery results, the purchase family shall not participate in the intention registration of other projects; For newly-built commercial housing projects that do not need to be publicly sold through notarization and lottery, families who purchase houses shall not participate in the registration of purchase intentions of other projects from the date of project intention registration to the date of announcement of intention registration results.

(4) For families who gave up house selection and purchase twice after being selected, all real estate development enterprises will no longer accept the registration of their intention to purchase houses within 3 months from the date of giving up house selection and purchase; For families who have given up house selection and house purchase for more than three times (inclusive) after winning the bid, all real estate development enterprises will no longer accept the registration of their intention to purchase houses within 6 months from the date of giving up house selection and house purchase.

3. Hangzhou sales restriction policy

(1) 20211From October 27th, priority will be given to the purchase of hot commodity housing (including high-level talented families without housing and families without housing), which may not be transferred within five years from the date of obtaining the real estate license.

(2) Since 20021127, if the winning rate of public sales of newly-built commodity housing projects is less than or equal to 10%, it shall not be transferred within 5 years from the date of obtaining the immovable property certificate.

4. Tax policy

(1) The deed tax can only be paid if the newly-built commercial housing is purchased within this city.

(2) The period of exemption from value-added tax for individual housing transfer is 5 years.

Let's stop here for the introduction of Hangzhou mortgage quota.