What to do if you want to get a loan for a second-hand house: Popular topics and structured guides on the entire network in the past 10 days
Recently, topics such as adjustments in second-hand housing loan policies and changes in interest rates have become the focus of hot discussions across the Internet. This article will combine the hot content in the past 10 days to sort out the entire process of second-hand housing loans for you and provide structured data references to help you handle loans efficiently.
1. Top 5 hot topics about second-hand housing loans across the entire network
| Ranking | topic | Discussion volume (10,000) | Core concerns |
|---|---|---|---|
| 1 | Many places lower the interest rate for first-home loans | 328.5 | Minimum interest rate dropped to 3.8% |
| 2 | New policy on "transfer of deposits" of second-hand houses | 215.7 | Simplify the transaction process |
| 3 | Changes in loan approval cycle | 187.2 | Shortened to 15 working days on average |
| 4 | Special requirements for school district housing loans | 156.8 | Some banks increase down payment ratio |
| 5 | Second-hand house appraisal price dispute | 142.3 | The difference with the actual transaction price is 20% |
2. Analysis of the entire process of second-hand housing loans
1. Preparation phase
| step | Required materials | Things to note |
|---|---|---|
| Credit queries | Original ID card | No more than 6 overdue payments within 2 years |
| Certificate of income | Bank statements in the past 6 months | Need to cover more than 2 times the monthly payment |
2. Loan application stage
| Bank Type | Average interest rate | Release speed |
|---|---|---|
| State-owned banks | 4.1%-4.3% | 20-30 working days |
| Joint-stock bank | 3.9%-4.2% | 15-25 working days |
3. Key data on second-hand housing loans in 2023
| index | First-tier cities | Second-tier cities |
|---|---|---|
| Average loan amount (10,000) | 285 | 178 |
| Average loan years | 22 years | 18 years |
| Loan rejection rate | 12% | 8% |
4. Expert advice
1.Evaluation price strategy: It is recommended to choose a bank with more cooperative evaluation institutions to obtain a higher evaluation price
2.Interest rate negotiation: Customers with deposits of more than 500,000 yuan can apply for a 0.15% interest rate discount
3.Risk Avoidance: The contract must clarify the liability for breach of contract "if the loan is not passed"
5. Emerging Service Recommendations
The recent "loan pre-examination service" can obtain preliminary feedback from the bank 3 days in advance to avoid the rejection of formal applications affecting credit reporting. Many platforms have launched "interest rate comparison tool", and enter basic information to obtain the latest quotations of each bank.
(Note: The statistics cycle of this article is from November 1 to 10, 2023, and comes from the public data of the central bank and the public information of major real estate platforms)
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