Guangzhou housing loan conditions:

1. Application conditions for personal commercial housing loan.

(1) The lender has legal and valid identity certificate and marital status certificate.

(2) The lender has a good credit record and repayment willingness.

(3) The lender has stable income and the ability to repay the principal and interest on time.

(4) The Lender has a commercial housing sales contract or letter of intent for the purchased house.

(5) The lender has the ability to pay the down payment of the purchased house.

(6) Opening a personal settlement account in a bank.

(7) The lender can provide the guarantee recognized by the lending bank.

2 individual housing provident fund loan application conditions.

(1) The lender has a household registration in China and a valid identity card.

(2) When applying for a loan, the registered employees in this city have paid more than 1 year, and the non-registered employees have paid more than 2 years. Non-registered employees who hold Guangzhou talent green card can apply for provident fund loans and enjoy the treatment of registered employees in this city.

(3) There is a purchase contract or agreement confirmed by the real estate registration department where the house is located, and the mortgage or guarantee formalities can be handled.

(4) The Lender has paid the down payment of the purchased property as required.

(5) The lender has full capacity for civil conduct, good personal credit information, stable economic income and the ability to repay the principal and interest.

2. Guangzhou Apartment 202 1 New Policy?

According to Guangzhou's housing purchase restriction policy, the specific purchase policies are as follows:

1, Guangzhou household registration residents are limited to 2 sets.

2. Guangzhou household registration single (including divorced) person purchase restriction 1 set.

3. Non-Guangzhou household registration has been taxed continuously or social security has been paid for 5 years (calculated before the purchase date), and the purchase limit is 1 set.

4. Families with non-Guangzhou household registration are restricted to purchase (including donations) 1 house in Conghua and Zengcheng District.

Downpayment policy for commercial housing

1, no house and no loan (over): minimum down payment is 30%;

2. No housing and loan records: the minimum down payment for commercial housing is 40%, and the minimum down payment for apartments is 70%;

3. Those who have a house without a loan record/those who have paid off the first home loan: the minimum down payment for commercial housing is 50%;

4. The first set of housing has not been paid off: the minimum down payment for commercial housing is 70%;

5. Housing: The minimum down payment for the apartment is 70%.

Huadu district housing purchase policy

1. In August, 20201day, the green card for talents in Huadu District will be processed, and the social security in Huadu District will take 6 months.

2. Employees of enterprises in the area and Guangzhou Airport Economic Zone (including individual industrial and commercial households registered for more than 6 months) can buy a suite without a house in the area, and can only transfer it after 3 years of proof. Parents, spouses, parents and adult children of Huadu talent green card holders who have no room in this area can buy one set in this area.

3, 985, 2 1 1 Bachelor degree, junior college degree or above, working as a middle and senior manager in an enterprise in our district, can buy a house in Huadu District, without household registration and social security.

Housing purchase policy in Baiyun District

1. As long as you start a business or work in Baiyun District for more than 6 months, you can buy a house in Baiyun with Yunju Cai Yingka or full-time postgraduate degree, doctoral degree or above. It shall come into force as of the date of promulgation and shall be valid for 1 year.

2. Qualified personnel with college education or above shall enjoy the same treatment as Guangzhou registered residents in Jianggao, Renhe, Taihe and Zhong Luotan. The above policies shall be implemented as of the date of issuance for a trial period of one year.

Housing purchase policy in Liwan District

1. Talents who have started or worked in Liwan District for more than 6 months and have postgraduate education and doctoral degree; Or have two first-class universities (A and B):

2. Talents with postgraduate education and master's degree;

3. Or have a full-time postgraduate degree from one of the world's top 500 overseas universities, and those with a master's degree or above can buy a house in Liwan District.

Housing purchase policy in Panyu District

1. Full-time study and full-time college graduates in Guangzhou University City;

2. Full-time young talents with bachelor's degree or above from double first-class universities (Class A and Class B) who have started businesses in Panyu;

3. College degree, only need to pay social security for one year in Panyu District, and hold a senior management position in the "Four Up" enterprises in Panyu District.

Housing purchase policy in Nansha District

Meet the category of 1 1 applicant (talent), have a college degree or above, and can apply for settlement after three months of social security.

1. Holders of talent green cards (including Nansha AB cards) can enjoy the same housing purchase qualification as Guangzhou hukou.

2. If you have a labor contract with an intermediate title (working in Nansha), you can also buy a suite in Nansha.

3, bachelor degree or above, working in Nansha, you can buy a set in Nansha (there is no room in Nansha, and there are rooms in other areas).

4. Guangzhou hukou, bachelor degree or above, working in Nansha. Or intermediate title, labor contract. If you don't have a house in Nansha, you can buy one in Nansha (regardless of whether there is real estate in other areas).

Differentiated housing credit policy

1. For applicants with housing loans within one year after divorce, banking financial institutions shall implement the credit policy of 1 house owned by Guangzhou residents;

2. For borrowers who are adults, unemployed, have no fixed income and whose repayment funds come from other borrowers, banking financial institutions shall implement the credit policy of Guangzhou residents' own housing 1;

3. Guangzhou registered employees have paid in full 1 year or more, and non-Guangzhou registered employees have paid in full for more than 2 years before they can apply for housing provident fund loans.

Three, Guangzhou personal housing commercial loan conditions and matters needing attention

Personal residential commercial loan conditions:

1, a natural person with full capacity for civil conduct; 2. Having a useful resident ID card and household registration book or other useful identification; 3. Have a stable source of income and the ability to repay the loan principal and interest on time; 4. Good reputation in the bank; 5. The borrower's age plus the loan period shall not exceed 70 for men and 65 for women; 6. Proof of down payment (down payment receipt). 7. Other conditions stipulated by the bank.

Matters needing attention in personal residential commercial loans:

First, we should correctly evaluate our ability to buy fake loans. How to evaluate? First of all, it depends on whether you have a down payment of not less than 30% of the purchased house price; Secondly, to fully evaluate their ability to repay the principal and interest of residential loans every month, customers had better consult the loan bank about the loan plan before lending.

Second, we should choose the types of individual housing loans. At present, there are three main types of loans: individual housing provident fund loans, individual housing portfolio loans and individual housing commercial loans. The interest rate of provident fund loans is the lowest, followed by portfolio loans, and commercial loans are the highest. When lending, buyers should pay attention to the fact that provident fund loans are only granted to employees who set up residential provident funds, and the maximum loan amount cannot exceed 390,000 yuan.

Third, try to repay personal housing loans sensitively. When many borrowers first took out loans, because they didn't know how much money they would make in the future, they came up with the idea of "lending more and lending more for a while". A few years later, with the increase of income, the loan repayment can be greatly increased, but the loan interest has also increased. Therefore, if you can only promise, you must pay off the loan as soon as possible, so that you can ask the insurance company to return the previous premium.

Four, Guangzhou personal housing commercial loan conditions and matters needing attention

Personal housing commercial loan conditions:

1, a natural person with full capacity for civil conduct; 2. Have a valid ID card and household registration book, have a stable source of income, have good bank credit, and repay on schedule; 5. The borrower's age plus loan period is male. 6. Proof of down payment for house purchase (other conditions are given priority).

Matters needing attention in personal housing commercial loans:

First of all, we must correctly evaluate our purchasing and lending capabilities. How to evaluate? First of all, it depends on whether you are not low; Secondly, in order to fully evaluate their interest bearing capacity, consumers had better consult the loan bank for loan scheme before lending.

Second, we should choose the types of individual housing loans. At present, there are three kinds of loans: individual housing provident fund loans, individual housing portfolio loans and individual housing commercial loans. The interest rate of provident fund loans is the lowest, followed by portfolio loans, and commercial loans are the highest. At the time of loan, the loan is only given to employees who have established housing provident fund, and the maximum loan amount cannot exceed 390,000 yuan.

Third, try to repay personal housing loans flexibly. Many borrowers have the idea of "borrowing more and lending more, and borrowing for a long term" because they don't know how much money they can earn in the future. In recent years, with the increase of income, the repayment ability has been greatly improved, but the loan interest has also increased. So if you can pay off the loan in advance, you can pay it off as soon as possible, so you can also ask the insurance company to return the previous insurance.

(The above answers were published on 20 15-09-2 1. Please refer to the actual situation for the current purchase policy. )

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