How to get a full loan to buy a house: analysis and structured guide of hot topics on the Internet
Recently, the topic of “buying a house with a full loan” continues to heat up on major social platforms and financial media. Many home buyers hope to solve their financial pressure through loans, but there are still many questions about how to achieve a full loan. This article combines the hot content of the past 10 days to sort out key information for you and provide structured data reference.
1. Analysis of hot topics on the entire network (data in the past 10 days)
| Platform | Hot search keywords | Number of discussions (10,000) | core concerns |
|---|---|---|---|
| # Zero down payment buying a house trap# | 12.8 | Illegal operation risk warning | |
| Zhihu | "Full Provident Fund Loan" | 5.2 | Policy compliance discussion |
| Douyin | #operativeloanpurchasinghousesecret# | 18.3 | Capital flow supervision |
| Baidu | "Calculation of Portfolio Loan Amount" | 9.1 | Bank product comparison |
2. Comparison of feasibility plans for full loan
| way | loan ratio | Interest rate range | Applicable people | Risk warning |
|---|---|---|---|---|
| Provident fund + commercial loan combination | Up to 100% | 3.1%-5.8% | Those who meet the required deposit base | Need to meet dual requirements |
| business loan | Property valuation 70-100% | 3.4%-4.9% | business owner | Illegal house purchases are strictly prohibited |
| Developer down payment installment | Nominal 100% | 0 interest + handling fee | short term cash flow | There is a breach of contract |
3. Practical precautions
1.policy compliance: In 2023, the Banking and Insurance Regulatory Bureau in many places will clearly prohibit consumer loans and business loans from flowing into the real estate market, and violators may face forced repayment.
2.Bank approval requirements:Including but not limited to:
3.Implicit cost calculation: A full loan may incur additional expenses such as higher insurance premiums (0.3%-0.5% of the loan amount), appraisal fees (500-2,000 yuan), etc.
4. Examples of regional policy differences
| city | Provident fund loan limit | Commercial loan LPR bonus points | special policy |
|---|---|---|---|
| Beijing | 1.2 million | +55BP | Second loan prohibited |
| Shenzhen | 900,000 | +30BP | Talent subsidy can be used as down payment |
| Chengdu | 700,000 | +20BP | There is no purchase limit for the three circles |
5. Expert advice
1. PrioritizeProvident Fund LoanFor some, the current national average interest rate is only 3.1%, which is far lower than commercial loans.
2. Be wary of gray operations such as "bridge loans". In 2023, many cases of capital chain rupture have been exposed.
3. It is recommended that the monthly payment should not exceed 40% of the household income to avoid the risk of default due to interest rate fluctuations.
According to the latest data from the central bank, the average approval cycle for personal housing loans in Q2 2023 has been extended to 23 working days. It is recommended that home buyers start credit maintenance and material preparation 6 months in advance.
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