Since the introduction of the purchase restriction policy by the state, if people don't buy the first house, they will not only have little money to borrow, but also the down payment is a great expense. Therefore, many people will want to know whether their house is the first house before buying a house. The following is the Xiaobian's introduction to the preferential loan policy for the first house in 2018.
Preferential loan policies for the first house in 2018?
1. The preferential policy for the first house loan in 2018 is mainly based on the comprehensive evaluation of the bank loan interest rate according to the credit situation of the loan. The preferential policy for the first house loan will determine the loan interest rate level according to the credit situation, collateral and national policies (whether the first house or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different.
2. The preferential loan policy for the first house in 2018 is to enjoy various taxes, exemptions and loan preferences according to the purchase of the 'first house'. The buyer must submit an application in person, submit an application to the district and county real estate transaction where the purchased house is located by virtue of the purchase contract and ID card, and issue the first purchase certificate within 7 working days from the date of acceptance of each transaction.
3. Many banks began to adjust the preferential interest rate of the first house loan. In some cities, the interest rate of the first house loan was tightened and the loan approval cycle was prolonged. The bank's housing loan interest rate policy did have a 'differentiation' phenomenon. In the preferential policy of the first house loan, some banks increased the housing loan interest rate from 8.5% to 10%.
What is the first mortgage?
1. Commercial first house loan: in fact, the down payment ratio of the first house is not fixed, because the down payment ratio of the first house will be different everywhere, so it is difficult to grasp the down payment ratio of the first house. However, according to the existing implementation standard of the first house, the proportion of the first house loan of the new house business is 30%.
2. The first set of housing loan of provident fund: if it is the first time to loan a house, you can borrow 80% of the assessed price of the house. If it is more than 90 square meters, it is 70%. It is worth reminding that if the provident fund is not rated, the first mortgage can only be loaned to 800000, which depends on your provident fund deposit amount and deposit ratio.