Mortgage Policy 2019

New bank mortgage policy 2019

Bank of China: has implemented the new policy of the first set of home loans

From October 1, the Bank of China's minimum downpayment ratio for loans is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark lending rate, which will be determined by the branches independently according to the risk situation.

Bank of China announced on the 10th that all branches have been implemented the new policy of first home loan from October 1 according to the requirements of the notice of the People's Bank of China and the China Banking Regulatory Commission.

From October 1, the Bank of China for the loan to buy the first set of ordinary housing families, as well as have 1 housing and has settled the corresponding home purchase loans, in order to improve the living conditions of the family once again apply for a loan to buy ordinary commodity housing, the minimum down payment ratio of the loan is 30%, the loan interest rate floor for the loan benchmark interest rate of 0.7 times, the details of which are to be determined by the respective branches according to the risk situation independently.

The Bank will also authorize its branches to apply for loans to purchase housing in cities that have abolished or have not implemented the "purchase restriction" measures for families that own two or more houses and have settled the corresponding purchase loans, and to determine the down payment ratio and the level of the loan interest rate in accordance with the borrower's solvency, creditworthiness and other factors in a prudent manner. And according to the local urbanization development plan and the local government's relevant policies, housing loans can be issued to non-local residents who meet the policy conditions.

The relevant person in charge of the Bank of China said, the Bank will improve the efficiency of the approval process, increase credit investment, give priority to meet the credit needs of residents to purchase the first set of ordinary housing and improve ordinary housing, and effectively do a good job of "promoting consumption, benefiting the people's livelihood" work.

The Bank will continue to increase financial support for shantytown renovation and construction of housing projects, including public **** rental housing; continue to support high-quality real estate enterprises to meet the financing needs of first-time home buyers and first-time improvement of the demand for ordinary commercial housing; and actively seek qualified real estate enterprises in the inter-bank bond market debt financing, and under the guidance of the regulatory authority to explore real estate investment trust funds (REITs). Explore real estate investment trusts (REITs) business.

What is the 2019 Hangzhou buy real estate loan policy?

The latest Hangzhou buy real estate loan policy is as follows for reference:

Hope it can help you!

The end of 2018, the first suite loan interest rate seems to have a downward rumor, I do not know if it is true. 2019 is not easy to say, it should be more or less the same as the current one.

Hangzhou housing provident fund loan is the implementation of the system of per-person, per-family limits.

The maximum loan amount for an individual employee is 500,000 yuan. If the employee and his/her spouse both contribute to the housing fund, the specific loan amount is calculated separately per person, and the combined maximum loan amount is 1 million yuan.

The loanable amount is calculated based on 15 times the average monthly balance of the employee's housing provident fund account at the time of applying for a housing provident fund loan (the multiplier for the main urban area of Hangzhou, Xiaoshan District, Yuhang District, and Fuyang District is currently set at 15 times).

The average balance refers to the average of the month-end balance of the employee's housing provident fund account for the last 12 months (excluding the month of application for loan) at the time of application for the loan (excluding the one-time supplemental contribution for the last 12 months) (the actual number of months is determined if the period of contribution is less than 12 months). The calculation of the amount of loan available to individual employees is rounded up to the nearest thousand, and is determined by 150,000 yuan if it is lower than 150,000 yuan, and by 500,000 yuan if it is higher than 500,000 yuan.

The above content, for reference only, hope to help you. Thank you for your support of the house watching network, I wish you a happy home purchase!

What are the entrepreneurial loan policies in 2019

(1) University graduates start their own business within two years of graduation, go to the business license of the business department where the entrepreneurial entity is located and apply for a business license, and if the registered capital (capital) is less than 500,000 yuan, it is permitted to be in place in installments, and the first in place is not less than 10% of the registered capital (capital contribution is not less than 30,000 yuan), within one year, the paid-up registered capital added to more than 50%, the remaining amount can be phased in within three years. (2) University graduates who newly set up enterprises or business units in the consulting, information and technical services industries are exempted from enterprise income tax for two years upon approval by the tax authorities; newly set up enterprises or business units engaged in transportation, post and telecommunications, are exempted from enterprise income tax for the first year and enterprise income tax is reduced by half in the second year upon approval by the tax authorities; and newly set up enterprises or business units engaged in public utilities, commerce, material industry, foreign trade, tourism, logistics, warehousing, and residential services are exempted from enterprise income tax for the first year and enterprise income tax is reduced by half in the second year, logistics, warehousing, residential services, catering, education and cultural undertakings, and health undertakings, shall be exempted from enterprise income tax for one year upon approval by the tax authorities. (3) State-owned commercial banks, joint-stock banks, city commercial banks and city credit unions in a position to do so shall provide graduates who start their own businesses with, and simplify the procedures for, account opening and settlement facilities, with a loan amount of about 50,000 yuan. The loan period is up to two years, and if it is determined that it needs to be extended at maturity, it can apply for an extension once. Loan interest is determined in accordance with the People's Bank of China announced loan interest rates, guarantee a maximum of five times the guarantee fund, the term is the same as the loan period.

2019 Beijing several banks mortgage new policy introduction

Beijing several banks mortgage new policy

From the central bank announced the new policy will soon be "full month", during this period of time Beijing each bank have introduced relevant specific policies. The following is a look at the new policies introduced by several banks in Beijing.

1, the construction bank policy:

(1) no housing loan records or has been settled loans under the name of no housing, the implementation of the first set of loan policy.

(2) have a home and have settled the corresponding loan family, in order to improve living conditions again loan to buy a house, again loan to buy a house, with reference to the implementation of the first set of loan policy.

(3) have a home but have not settled the corresponding loan family, and apply for a loan to buy a home, the minimum down payment ratio of 60%, the interest rate floor for the central bank lending benchmark interest rate of 1.1 times.

(4) foreign households in Beijing to buy a home without housing loan records, or has been settled loans, no housing in Beijing, apply for a loan to buy a home for the first mortgage, the first set of interest rates benchmark, the second set of 10% floating.

(5) Loan interest rates to implement the current interest rates of CCB;

2, Agricultural Bank of China

95% discount on the first set of concessions

Conditions: water close to the income

3, Bank of Communications

The best 95% discount concessions

Conditions: to do the Bank of Communications Ward Card, open mobile banking, buy 50,000 wealth management

4、Bank of Beijing

The best 5% discount

Conditions: no overdue credit, at the same time, to meet any of the following: 10,000 insurance coverage for three years; 100,000 credit; deposit 5% deposit for one year

5、HSBC Bank

The best 9% discount for more than 2 million, and 9% discount for less than 2 million

Conditions: for ordinary housing (including affordable housing), the best 10% discount, and the best 10% discount. Housing (excluding affordable housing) first set of identification criteria: borrowers who have no home or a home in their name, and no outstanding mortgage records in their name, can be recognized as the first set of loans. If there are two sets of housing in their names, consistent with the original implementation of the policy, the interest rate is still implemented in the loan amount of more than 2 million 10% interest rate discount.

6, China Merchants Bank

The best 10% discount, conditions: 15% margin deposit for one year;

9.5% discount: 5% margin deposit for one year

7, Postal Savings Bank

The best 9% discount

Conditions: the borrower's unit is a high-quality unit (state-owned enterprises, public institutions, civil servants, listed companies, 500 strong enterprises, etc.): No Top 500 enterprises, etc.): no overdue, at the same time, meet any one of the following: buy 100,000 financial management; insurance (6,000/year/period, 5 consecutive years); apply for 150,000 credit loans; pay 10% deposit of the loan amount. 10% discount can be implemented.

9.5% discount

Conditions: Customers have no overdue payment and, at the same time, meet any of the following 5% discount: buy 50,000 financial management; insurance (10,000/year/period, 3 consecutive years); apply for 100,000 credit loan; pay 5% deposit of the loan amount.

8, Pudong Development Bank

95% discount

In Pudong Development Bank to do funds supervision of the customer 10% discount

Conditions: the name of no housing loan record or has been settled loan name no house, the implementation of the first set of loan policy. The first time you have a home and have settled the corresponding loan family, in order to improve the living conditions of the loan again to buy a home, you can refer to the implementation of the first set of loan policy. The first set of home loan interest rate 95% discount, in the Pudong Development Bank to do funds supervision customers 10% discount.

What is the latest loan restriction policy in Guangzhou in 2019?

Guangzhou home purchase loan restriction policy

(a) down payment

1, the city without a home without a loan (over): down payment minimum 30%;

2, the city without a home with a loan record: commodity housing down payment minimum 40%, apartment down payment minimum 70%;

3, the city with a home without a loan record/first set of home loan paid off: Commodity housing down payment minimum 50%;

4, the city has a home first set of outstanding: commodity housing down payment minimum 70%;

5, the city has a home: condominium down payment minimum 70%.

(2) differentiated housing credit policy

1, the applicant for a housing loan within one year of divorce, banking and financial institutions in accordance with the credit policy of resident families with 1 home in the city;

2, the borrower who has reached adulthood, is not employed, does not have a fixed income and repayment of funds from other *** with the same repayers, banking and financial institutions in accordance with the Resident families in the city has 1 housing credit policy implementation;

3, the city's household registration workers continuous full deposit for more than 1 year, non-city household registration workers continuous full deposit for more than 2 years, before you can apply for housing provident fund loans.

(3) down payment can not loan

Commercial banks, institutions, Internet financial institutions, trust and investment companies and other types of financial business operators, shall not issue loans or disguised loans for the down payment for the purchase of housing.

The introduction of the loan policy 2019 and the relaxation of the loan policy ends here, I do not know if you find the information you need from it?