How to get a house loan: analysis of hot topics on the Internet and a structured guide
Recently, home purchase loans have become one of the hot topics on the Internet. Especially in the context of policy adjustments and interest rate fluctuations, home buyers' attention has increased significantly. This article will combine the hot topics of the past 10 days to sort out the loan process, interest rate comparison and precautions for you, and provide structured data reference.
1. The latest mortgage policy hot spots in 2024
According to monitoring, the following topics have the highest amount of discussion:
| topic | heat index | key changes |
|---|---|---|
| LPR interest rate cut | 92,000 | The 5-year LPR dropped to 3.95% |
| Down payment ratio adjustment | 78,000 | In some cities, the first unit price is reduced to 15% |
| New policy on provident fund loans | 65,000 | Increase loan limits in many cities |
| "Recognize the house but not the loan" | 59,000 | More than 30 cities have implemented the policy |
2. Analysis of the entire loan application process
1.Pre-qualification stage
| Material type | Specific requirements | Things to note |
|---|---|---|
| Proof of income | Monthly payment is more than 2 times the turnover | Requires 6 consecutive months of records |
| Credit report | No serious overdue | No more than 10 inquiries in the past 2 years |
| Home purchase qualifications | Social Security/Individual Tax Certificate | Time limits vary from place to place |
2.Loan Plan Comparison
| Loan type | current interest rate | Advantages | Disadvantages |
|---|---|---|---|
| business loan | 3.95%-4.5% | Fast loan | higher interest rate |
| Provident Fund Loan | 2.85%-3.1% | lowest interest rate | Quota is limited |
| Portfolio loan | hybrid computing | Balance line interest rate | The process is complex |
3. Comparison of recent bank interest rates (March 2024)
| Bank name | First home interest rate | Second house interest rate | Loan cycle |
|---|---|---|---|
| ICBC | 3.95% | 4.5% | 15 working days |
| China Construction Bank | 4.0% | 4.55% | 20 working days |
| China Merchants Bank | 3.9% | 4.4% | 10 working days |
| Local city commercial banks | 3.85%-4.2% | 4.3%-4.8% | 7-30 days |
Four and five pitfall avoidance guides
1.Be wary of the "zero down payment" trap: Illegal marketing has appeared in many places recently, and it is actually necessary to supplement it with high-interest credit loans.
2.Floating rate options: The current LPR is at a historical low, it is recommended to choose LPR floating mode
3.Prepayment restrictions: Some banks charge 1-3% liquidated damages, which must be specified in the contract.
4.Proof of authenticity of income: Recently, there have been many fraud cases in the Banking and Insurance Supervisory Office, which will affect credit reporting.
5.Intermediary service fee: It is illegal if the loan service fee exceeds 1% of the loan amount
5. Expert advice
The latest data from the China Banking Association shows that from January to February 2024, the volume of personal housing loans increased by 12% year-on-year, but the average approval time extended to 23 days. Recommended for home buyers:
1. Give priority to applying for provident fund loans and use commercial loans to top up
2. Choose a "direct customer" loan to skip the intermediary and save costs.
3. Pay attention to the bank impulse period at the end of the quarter, which may speed up the approval process
It can be seen from the above structured data and hot spot analysis that it is still a window period for home loan applications, but special attention must be paid to policy timeliness and regional differences. It is recommended that home buyers choose the best loan plan based on their own circumstances.
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