Under the current situation of various fancy promotions in real estate, banks' review of mortgage business is also very relaxed. The salary is only 4,800 yuan. If you want to borrow 800,000 yuan from the bank to buy a house, provident fund loan and house mortgage mortgage loan must be approved. Maybe there will be surprises in terms of interest rates. Now, not only is the mortgage interest rate in third- and fourth-tier cities such as , Qingyuan, and , which has been lowered to 3.7%, but also the mortgage interest rate in provincial capitals Wuhan and Guiyang has been lower to 3.9%.
Now, most provinces across the country have introduced preferential promotions and various support policies for buying a house. Financial regulatory authorities strictly prohibit the full relaxation of down payments, mortgage interest rates and mortgage risk control reviews. In this context, we can calculate that a salary of 4,800 yuan can indeed be bought with a loan for a house worth 1 million yuan. The current policy is to be afraid that the people will not buy if they feel that the money is not enough. As long as the people are determined to buy, all kinds of discounts will be given.
is now generally 20%. In other words, a house worth 1 million yuan can be signed and purchased with a down payment of 200,000 yuan. Then you need to have a loan of 800,000 yuan. In this case, loans can actually be made into a combination, and loans are commercial loans with provident fund loans plus mortgage mortgages. In many places, the maximum limit for provident fund loans has been placed at 400,000 to 500,000 per person. If the provident fund loan is not enough in the future, then the remaining part will be accompanied by commercial mortgage loans. Let’s calculate whether the loan can be approved under these combination loan methods.
1. Pure provident fund loan. Now a single person can borrow up to 400,000 to 500,000 yuan. If the couple goes to buy a house together, then the two people can reach the loan amount of 800,000 to 1 million yuan. The original provident fund loan interest rate for more than 5 years is 3.25%. If the loan is 30 years, the monthly repayment amount is 3,480 yuan. At this time, the salary of a single person is 4,800 yuan, and the combined salary of the two people will definitely exceed 7,000 yuan, which is far lower than the requirements of the provident fund center. The monthly repayment amount cannot be higher than half of the salary of the home buyer.
In addition, the couple also pays provident fund to the provident fund center every month. If the unit and individual share a maximum ratio of 12%, it is possible that the maximum provident fund can be paid for up to 2,300 yuan per month based on the surcharge salary of 4,800 yuan. At this time, the repayment amount shared by the husband and family is less than 1,100 yuan. Compared with the salary of couples, you can naturally afford the monthly provident fund repayment.
Now, under the major policy of encouraging buying a house, the provident fund loan interest rate in many places has also been lowered. If the annual interest rate of the first housing provident fund loan for more than 5 years is 3.1%, then the monthly repayment amount for the loan for 30 years is 3,416 yuan. Then it is more in line with the loan approval requirements of provident fund. So the conclusion is that the couple jointly applied for a provident fund loan, but in fact, they can cover all the entire supply without commercial loans and successfully pass the approval of the provident fund center.
2. Provident fund loan plus bank commercial loan. If you buy a house alone, the maximum amount of provident fund loans in most areas can only be 500,000 yuan. Then, adding a bank commercial mortgage of 300,000 yuan can meet the loan needs. The interest rates of commercial mortgages in banks are now generally around 4% annualized. Then, based on this calculation, the monthly provident fund and commercial mortgage repayment amount is approximately 3,608 yuan. It seems that it is difficult to pass the bank's commercial loan approval, but in fact it is not.
Because of the monthly mortgage repayment amount, the provident fund center repayment amount is 2176 yuan, while the bank's commercial mortgage only costs 1432 yuan. The repayment of the provident fund center is first deducted by the housing provident fund paid every month. Then if the salary of 4,800 yuan is paid at this time, if it is paid at the highest 12% of the unit and individual, then 1,152 yuan can be paid per month, and the remaining one only needs to raise less than 1,000 yuan. At this time, plus the 1,432 yuan required for commercial mortgage loans, the total monthly burden is about 2,400 yuan, which is fully in line with the bank mortgage approval requirements.
Now Mr. De is very conservative in his calculations because there are different local support policies in each place. Among them, if the monthly repayment ability is insufficient, parents and adult children can also be added as guarantors or co-payers, so there are no risks or obstacles for bank mortgage approval.
It can be said that the various support policies and preferential measures to encourage home purchases can be said to be a moment that my country's real estate industry has never seen in more than 20 years. Home buyers don’t need to worry about their mortgage application being rejected. Perhaps the only thing they need to consider is whether it is the right time to buy a house.
