Train number: K60
Duration: 08:3 1
Hard seat: 9 1
Hard sleeper:158/164/169
Soft sleeper: 2 people
This stop is Beijing Station.
2. Is the second down payment ratio in Beijing 60% or 80%?
The loan applicant purchases a second house to apply for a loan, and the down payment ratio of the loan is not less than 70%. For those loan applicants who have no housing in the housing transaction ownership information inquiry system of Beijing Housing and Urban-Rural Development Committee, but have 1 personal housing loan record or 1 house purchase withdrawal record through the credit information system of China People's Bank and Beijing Housing Provident Fund management system, and meet the requirements of the second set of housing loans, the policy of not less than 60% of the down payment will still be implemented.
3. What is the down payment ratio for buying a second home in Beijing?
Calculate how much it will cost to decorate your home. First-tier cities such as Beijing and Shanghai have strict control over the property market and have introduced a series of policies to restrict purchases, loans and sales. Eligible to buy a house in Beijing, I want to buy two improved houses in Beijing. What is the down payment ratio for buying two suites in Beijing? Next, Bian Xiao will briefly introduce it to you. 1. According to the relevant policies and regulations of Beijing, the minimum down payment ratio for households to buy two ordinary self-occupied houses is 60%; Buy two sets of non-ordinary housing, and the down payment ratio is 80%. The price of ordinary houses in Beijing cannot exceed the regional guidance price, that is, the unit price of commercial houses within the Fifth Ring Road is 39,600 yuan/square; The unit price of commercial housing from the Fifth Ring Road to the Sixth Ring Road is 3 1.68 yuan/square, and so on. Housing prices in Beijing are very high now. According to the statistics of relevant institutions, the average housing price in Beijing is more than 40,000 yuan/square, which exceeds the identification standard of ordinary houses. Therefore, the down payment ratio of the second suite you bought is mostly 80%. 2. The second suite in Beijing implements the standard of recognizing houses and loans, in which recognizing houses refers to whether the applicant's family has a house in Beijing; Loan identification refers to whether the applicant has a record of housing loans nationwide. In other words, the resident family already owns a house in Beijing, or has no house in Beijing but has a housing loan record. When purchasing commercial housing again, it shall be implemented according to the second-home mortgage policy. If the applicant applies for a loan to buy a house within one year of divorce, it shall be implemented in accordance with the second-home mortgage policy. 3. When we apply for a second home loan, the mortgage interest rate will usually increase accordingly; If you apply for a provident fund loan to buy a second suite, the maximum loan amount is 600,000 yuan; According to the policy, the maximum term of housing loan is 25 years. Bian Xiao concluded: What is the down payment ratio for buying a second home in Beijing? Bian Xiao gave a brief introduction here. I hope that after reading this article, everyone can understand this. Before you apply to buy a second home, you can consult the bank's housing loan policy to find out the interest rate and monthly repayment amount of the second home mortgage loan. Enter the area and get the decoration quotation for free. Enter the area and get the decoration quotation for free.
Fourth, the down payment ratio of the second suite in Beijing.
On March 20 1717, the Beijing Municipal Commission of Housing and Urban-Rural Development, the Municipal Planning and Land Commission, the Municipal Housing Provident Fund Center, the Municipal Banking Regulatory Bureau and the Business Management Department of the People's Bank of China jointly held a press conference, and the regulation of the Beijing property market was further upgraded. Residents who already own 1 apartment in Beijing under the family name, but have no housing in Beijing but have commercial housing loan records or provident fund housing loan records, the down payment ratio for purchasing ordinary self-occupied housing shall not be less than 60%, and the down payment ratio for purchasing non-ordinary self-occupied housing shall not be less than 80%. Suspension of individual housing loans (including provident fund loans) with a loan period of 25 years or more. In addition, it will take 3 years or more for commercial housing purchased by enterprises to be listed and traded again. If the transaction object is an individual, it shall be implemented in accordance with Beijing's purchase restriction policy. On March 20 1717, the Beijing Municipal Commission of Housing and Urban-Rural Development, the Municipal Planning and Land Commission, the Municipal Housing Provident Fund Center, the Municipal Banking Regulatory Bureau and the Business Management Department of the People's Bank of China jointly held a press conference, and the regulation of the Beijing property market was further upgraded. The relevant person in charge of the Municipal Housing Construction Committee said that since the implementation of the New Deal on September 30 last year, the transaction volume of both new commercial housing and second-hand housing in Beijing has continued to decline, and the price of new commercial housing has also declined steadily, and the price of second-hand housing has also dropped significantly from last month, but it is still on the rise. Especially in the past month, the increase has rebounded, the number of customers in intermediary stores has also increased significantly, and the people's enthusiasm for buying houses has shown signs of recovery. Judging from other key cities, at the end of last year, it began to recognize housing and loans, which raised the threshold of personal mortgage and achieved good control effect on the second-hand housing market. This time, Beijing learned from the practices of these cities and strengthened the differentiated credit policy. It not only recognizes housing and loans, but also moderately reduces the financial leverage effect by raising one and lowering one, further increasing the minimum down payment ratio of the second home loan from ordinary self-occupied housing to 60% and non-ordinary self-occupied housing to 80%. At the same time, the term of housing loans will be reduced from the original maximum of 30 years to 25 years.