Recently, dispatch of management center of Beijing housing accumulation fund sets, development business must not reject to buy room person to use accumulation fund to borrow money.
Be in early last year, live build the sectional dispatch such as the ministry to ask all development business can not reject accumulation fund to borrow money, many cities answer this policy later.
Publish such regulation, because accumulation fund borrows money,be explain borrow time opposite longer, to development business cycle of steam again capital lengthens, risk sex is increased, there is the person that buy a house to complain constantly on the market so, say to have development business refuses through raising the means such as house price to covert or direct definitely absolutely the client that accumulation fund loan buys a house. And the position that buys room person to be in relatively weak force, or accepts the condition of the other side, or transforms the commercial loan with higher interest rate, was equivalent to passivity increasing to buy a house cost and the difficulty that buy a house.
Afore-mentioned act can have certain awe effect to developing business, be helpful for raising the fair sex of the market that buy a house.
As commercial loan interest rate ceaseless rise, shift the cost pressure that buys a house through business bigger and bigger, the advantage with low interest rate of accumulation fund loan is shown, nevertheless, when I also discover in application accumulation fund borrows money, include to develop business to reject accumulation fund loan to wait for a circumstance inside, put in limitation of a few doorsills, not be to want to borrow what can borrow.
Restrict one: Accumulation fund loan has capture to keep time demand
Loan of application accumulation fund needs to satisfy regular pay to put time, borrower of general city demand is successive capture of full specified amount puts accumulation fund 6 months (contain) above, and accumulation fund account is in capture to retain position, for instance Beijing; Also have a regulation successive capture puts 12 months (contain) above ability borrows money, for instance Tianjin. Midway breaks capture to be affected likely explain borrow, for the person that changes the job to those finding new job so, should notice accumulation fund capture retains the time influence to loan.
Restrict 2: Loan has ceiling
Accumulation fund loan still has highest forehead to spend limitation, the requirement of each cities has difference, and corresponding loan specified amount spends partial city husband and wife and individual to also have difference, for instance Beijing area husband and wife and ceiling of loan of individual accumulation fund are 1.2 million, shenzhen individual and husband and wife are respectively 500 thousand, 900 thousand yuan.
Additional, not be everybody can apply for be spent to highest forehead, accumulation fund center is in batch when borrowing, want to put circumstance computation forehead to spend according to the income of borrower, profession, capture, finite circumstance is spent to fall in the forehead, the high grade client with each outstanding condition obtains highest forehead more easily to spend, aptitude flatly the person is bad to said.
Restrict 3: Account remaining sum affects loan specified amount to spend
The remaining sum inside accumulation fund account also affects loan specified amount to spend, for instance Guangzhou sets: The condition waits in contented ceiling while, specified amount of accumulation fund loan spends × of = account remaining sum 8+ months capture puts frontal × to number of emeritus age month, this also is buy room loan specified amount to spend in the future to why extract accumulation fund to be able to be affected in some cities.
Restrict 4: Explain borrow cycle to grow, time cost is high
Because accumulation fund loan involved the much home orgnaization such as center of housing accumulation fund, bank, relative a note of the ancient Chinese five-tone scale is borrowed on flow some more complex, shen Daizhou period also chairman some, be less than a month quickly, slow word may want to wait for on a few months, anxious the person that buys a house should consider cautiously.
Restrict 5: Application combination loan should pass a bank, sell the home to agree
Some people that buy a house are spent because of specified amount of accumulation fund loan finite, with respect to application combination borrows money, but be informed by the bank however,a house cannot mortgage at the same time two banks, accumulation fund loan and commercial loan want to deal with ability travel in same home bank, and sell the home there disrelish loan cycle likely also to grow not to accept assorted loan.
So, if want to apply for to combine loan really, had better have discussed with house-owner, look for what can await loan to sell the home; The word of bank respect, OK and first choice has the bank of business of accumulation fund loan, to credit member seek advice from clear and relevant requirement, shift to an earlier date ready-made.
Needing those who remind everybody is, otherness of district of policy of accumulation fund loan is bigger, particular loan circumstance depends on the service call of accumulation fund center, the proposal buys the accumulation fund center that place seeks advice from before the room, make a choice according to oneself circumstance.
Legal support: Yan Yifeng of office of Shanghai Hua Zunlv division's lawyer
Address: Shanghai power 755 Wen Xin sign up for sea route estate large building 29
