How much is the down payment for the first suite in Huai 'an?

1. What is the down payment ratio of the first suite in Huai 'an? 1. The commercial loan for the first home in Huai 'an takes the family as the unit. If you buy a house for the first time, you can get a loan of 70% of the appraised price of the house (the appraised price is generally lower than the market price, for example, the market price of a house is 2 million, and the appraised price is 1.8 million, so you can get a loan of 70% of 1.8 million, that is, 1.26). 2. Discount interest rate (85% of the benchmark interest rate) Commercial loans recognize both houses and loans: it depends on whether there is a real estate under the family name and whether there is a loan record before, even if the real estate has been sold or the mortgage has been paid off, it is still recorded. 3. If it is the first time to buy a house, you can get a loan of 80% of the appraised house price (within 90 square meters, 70% over 90 square meters). According to the adjustment, at present, only 75% loans can be obtained for the first time in non-restricted cities. If the provident fund is not rated, it can only be loaned 800,000 yuan, but it depends on the amount and proportion of the provident fund. 2. What are the preferential policies for the first home loan in Huai 'an? 1. The People's Bank of China stipulates that urban residents in China enjoy preferential mortgage interest rates when purchasing the first home; However, to buy the first suite, people must meet three conditions at the same time: the buyer is 18 years old, and the house they buy is an ordinary house below 90 square meters (the ordinary house below 90 square meters enjoys the preferential deed tax rate of 1%). 2. At present, there are no houses purchased by buyers alone or with others, except those purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement. 3. According to the national preferential policies, the first suite can enjoy a 30% down payment discount, but this year, the central bank continuously raised the bank deposit reserve and interest, and the bank loan amount was limited at the end of the year. It is generally difficult to get a 30% down payment discount now, and it is generally less than 40% at the end of the year. As can be seen from the above, you can choose a commercial loan to buy the first suite in Huai 'an. Take the 2 million suite as an example, which requires a down payment of 740,000. Of course, Huai 'an has given some preferential loan policies, so that more people can choose to buy a house of their own.