Now that everyone's economic conditions are good, their living standards have also improved. They live in a house and a second suite. Then, what is the down payment ratio of the following small houses, and what is the standard for determining the second suite?
1. What is the down payment ratio of the second suite in Nanning?
The down payment ratio of the second suite in Nanning is as follows:
1. For the second suite, the first set has been paid in full, or the first set of loans has not been settled, and the second set has a down payment of at least 40%.
3. For the first family with a self-occupied housing construction area of over 90 square meters, the down payment ratio shall be no less than 60%, and the loan shall be. 1 times.
What are the criteria for determining the second suite and the second suite?
1, parents already own a house, and then buy a house in the name of minor children, which is considered as a second suite. When I was a minor, I had real estate under my name, and then I borrowed money to buy a house when I was an adult.
2. If an individual has a full-scale production center under his name, and he can find out that there is a real estate under his name, and he does not sell it and applies for a loan, it is identified as a second suite.
3. The first time I bought a house, I used a commercial loan, and the mortgage record of buying a house again, regardless of whether the mortgage was settled or not, whether the property was sold or not, was recognized as two.
4. Non-first-time application for provident fund loans was also recognized as a second suite. After marriage, one party applies for a loan to buy a house. As long as the mortgage records can be found in the credit information system, even if the property is awarded to one party and the other party borrows money to buy a house after divorce,
5. One party borrows money to buy a house before marriage and applies for a loan to buy a house in the name of the other party after marriage. Their household registration is not together, and they have a marriage registration in the Civil Affairs Bureau, which is recognized as the second suite.
What is the relevance of the criteria for determining the down payment ratio of the second suite in Nanning shared by everyone? If you want to know more about the city's housing policy, please continue to close.
Second, the down payment ratio of 2 suites in Nanning
/kloc-in February, 2008, Nanning, Guangxi, issued three documents, including the Detailed Rules for the Management of Individual Housing Loans of Nanning Housing Provident Fund, which will be implemented on March 1 day. Reduce the down payment ratio of the second-home provident fund loan to 30% of the house value, while the previous minimum was 40%. Nanning Housing Provident Fund Management Center Nanning New Deal: Increase the support of provident fund for paid employees to purchase just-needed housing and improved housing. 0030 10 shows that the payment ratio refers to the ratio of the down payment amount to the value of the house purchased. Nanning made it clear this time: "If the first housing provident fund loan policy is implemented, the down payment ratio shall not be less than 20% of the house value, that is, the loan amount shall not be higher than 80% of the house value; If the second-home provident fund loan policy is implemented, the down payment ratio shall not be less than 30% of the house value, that is, the loan amount shall not be higher than 70% of the house value. " According to the document, the maximum amount of the first-home provident fund loan in Nanning was adjusted to 700,000 yuan, and the maximum amount of the second-home provident fund loan was adjusted to 600,000 yuan. The area limit of purchased houses and the lower limit of monthly repayment ratio were cancelled, and the down payment ratio of buying a second house was reduced to 30% of the total house price. The age of re-traded housing and commercial loan housing is relaxed to 30 years. This provides policy and financial guarantee for solving the housing problem of low-and middle-income families and increasing the support of housing provident fund for paid employees to purchase the first set of housing and improved housing. In addition, the detailed rules also implement the principle of "deposit before loan, and deposit and loan are linked". The calculation and adjustment of the loan amount in Nanning will be linked to the employee's personal account balance and payment period, so as to realize the accurate matching of payment and loan rights. This adjustment is conducive to the low but stable monthly deposit, and the low-and middle-income workers who have paid for a long time can get the corresponding loan rights, which can better support the long-term overpayment of employees and is more in line with the original intention of the housing provident fund system to support the housing consumption of low-and middle-income families. The change of property market policy is not only in Nanning. The down payment policy has been intensively relaxed in many places, and the positive signals of the property market are frequent. "Down payment ratio decreased" is the news I read in many newspapers the other day. However, many local property markets have shown signs of "loosening" policies, and it is not just the provident fund that has changed. 65438+ 10/2, Guangxi Beihai Housing Provident Fund Management Center issued the detailed rules for the implementation of the loan, which clearly reduced the down payment ratio of provident fund loans: the minimum down payment ratio was reduced from 60% to 40% when buying a second house or applying for a second housing provident fund loan. Beihai became the first city in China to reduce the down payment ratio this year. 18 10 18, the housing provident fund management center of Zigong City, Sichuan Province issued the Notice on Adjusting the Housing Provident Fund Loan Policy, relaxed the housing number identification policy, and implemented the identification standard of "only recognizing loans but not recognizing houses": there is no record of housing provident fund loans and no outstanding housing commercial loans, and the first home loan policy is implemented; If there are records of settled housing provident fund loans or outstanding housing commercial loans, the second home loan policy will be implemented. According to the Notice on Issues Related to Adjusting Housing Provident Fund Policy, Dong Ximiao, chief researcher of Zhilian Finance and researcher of Fudan University Financial Research Institute, revealed that although the adjustment of provident fund loan policy is mainly made by second-and third-tier cities, it is expected that more small and medium-sized cities will follow the principle of "one city, one policy" in the future, and the adjustment of "one city, one policy" is also expected to be further expanded from provident fund loans to bank commercial loans. The signal transmitted by the mortgage a few days ago is equally obvious. On February 2 1 day, six state-owned banks in Guangzhou simultaneously lowered their mortgage interest rates. Among them, the interest rate of the first home was reduced from the quoted loan market interest rate (LPR) 100 basis points (5.6%) to LPR 80 basis points (5.4%); 2. The housing loan interest rate was lowered from 120 basis points (5.8%) to 100 basis points. Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that from the mortgage news in Guangzhou, Beijing and Shanghai, there are signs of mortgage relaxation. Since New Year's Day in 2023, the lending cycle of second-hand housing loans in several joint-stock banks in Beijing has been significantly shortened. It used to take about half a year, but now it's accelerated to the fastest month. "This easing policy will further reduce market concerns and have a positive impact on the activities of the real estate market." According to the statistics of Nanfang Daily's June 5438+09 article, in June 5438+0 this year, the property market policy was issued more than 66 times, mainly including loose provident fund policy, housing subsidies for talents and other supporting policies. "Appropriate rectification due to urban policies" has become the main tone of real estate regulation. At present, positive market signals continue to be released, and some insiders believe that the property market is expected to gradually stabilize. According to china securities journal, Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that from the market point of view, policy easing is the trend, and more and more cities will introduce easing policies. In the next few months, except for the first-and second-tier core cities, the down payment ratio of the first suite in all third-and fourth-tier cities will be basically adjusted to 20%. In addition, the market is expected to gradually stabilize, and the bottom of the market is expected to accelerate from the first quarter to the second quarter of 2023. This article is an exclusive manuscript of Observer.com and cannot be reproduced without authorization. Related Q&A: Related Q&A: How much is the down payment for the second house? Every place is different! The latest purchase restriction policy in Wuhan is as follows: 1. Specific details: (1) local household registration 1. The first suite has no room and no loan in Wuhan, and the down payment ratio for purchasing houses in restricted areas is not less than 30%. 2. If the second suite owns 1 suite in Wuhan (whether the loan is settled or not), the down payment ratio of the second suite shall not be less than 50%, and the down payment ratio of the non-ordinary housing (144 square meters or more) shall not be less than 70%. 3. If the second suite or above owns two or more houses in Wuhan, it is not allowed to purchase houses in the restricted purchase area. 4. 50% down payment for apartments and shops (40-year property rights), and only commercial loans can be made at most 10 years. 5, Wuhan collective account to buy a house, the ID address must be consistent with the household registration address. 6. In the unlimited purchase area, in theory, the minimum down payment for the first suite is 20%, and the minimum down payment for the second suite is 30%. The rule for determining the first suite and the second suite is "recognizing the loan but not the house", that is, as long as all the loans are paid off, the first suite is counted. (2) Non-local household registration 1. Conditions for purchasing a house: provide proof that social insurance or personal income tax has been paid continuously in Wuhan for two years (including two years) since the date of purchasing a house. 2. If the first suite has no room and no loan in Wuhan, buy a house in the restricted area, and the down payment ratio is not less than 30%. 3. If the second suite is located in Wu Hanyou 1 or above, it is not allowed to buy a house in the restricted area. (3) Unlimited purchase area 1, which only recognizes loans but not houses, that is, whether you have Wuhan household registration or not, whether you have a house under the name of Wuhan, as long as you have no mortgage, buying a house in Wuhan Unlimited Purchase Area is considered as the first suite, and the down payment ratio at the policy level is not less than 20%, but in fact, the down payment ratio of buildings in Wuhan Unlimited Purchase Area is generally not less than 30%. 2. If the second suite has a set of commercial housing loans under the national name, it will be regarded as the second suite, and the minimum down payment ratio will be no less than 40%. 3. If there are two or more sets of commercial housing loans under the name of two or more suites nationwide, you can purchase commercial housing in Wuhan without restriction. Second, how to determine whether it is a household registration in this city? ① The family members of the purchaser are the purchaser himself, spouse and minor children. If one of the family members of the purchaser is registered in this city, it shall be deemed as registered in this city. ② If the purchaser holds the collective household registration in this city, the location of the issuing authority recorded in my ID card (excluding temporary id card) shall be used as the basis for judging whether it is the household registration in this city. (3) If the purchaser holds a military officer's card, a soldier's card or a police officer's card (excluding the staff of the local public security organ), it shall be regarded as a resident of this Municipality in principle. 3. What information do foreigners need to submit when buying a house? Submit two consecutive years (24 months) of social insurance and proof of work units of provincial organs or enterprises and institutions, and you can only buy a house in Wuhan. Note: Some areas (such as Hanyang) do not recognize provincial social security. 4. Frequently asked questions: 1, how to calculate a suite in the local area and a loan in other places? Recognize the local house and the national loan. The above situation is considered as the second suite, with a down payment of 50%. 2. How to calculate if there is no house locally and there is a set of loans in other places? Different banks have different policies, and generally 40-50% down payment can be implemented. 3. How to calculate if there is no house locally and there are two sets of loans in other places? You can buy a house locally, but you can't borrow money. 4. There are 1 suites in the local area. What if there is no loan? According to the second suite policy, the down payment is not less than 50%, but it may be implemented according to the floating range of the first suite interest rate. 5. How to identify the purchase qualification when two or more people * * * purchase together? (1) Two or more people buy houses in the above-mentioned areas, and the buyers are not the same. If one of the buyers is not registered in this city and owns 1 house in this city, and one of the buyers is registered in this city and owns 2 houses in this city, it will not meet the provisions of the purchase restriction policy, and the sale of houses in the above areas will be suspended. (2) If two or more people * * * jointly purchase houses, and the buyers of * * * are not from the same household, it shall be treated as if the buyers of * * * own a house respectively. (3) If part of the property right is transferred between the house owners, the procedures for checking the qualification of purchasing houses shall be handled first. Those who fail to pass the qualification verification, such as the house * * * is a non-lineal relative, and the source of property rights is a gift, are deemed not to meet the provisions of the purchase restriction policy, and shall not go through the transaction supervision procedures; If the source of property rights is obtained by other means, it is deemed to be in compliance with the provisions of the purchase restriction policy, and the transaction supervision procedures can be handled; If someone in the house is an immediate family member, it should be considered that it meets the purchase restriction policy and can go through the transaction supervision procedures.
I am a nonlocal registered permanent residence, so I can buy a second house in Nanning. What is the down payment?
The state stipulates that the down payment for the second suite is not less than 50%, and now most banks mention 60%.
Fourth, 202 1 Nanning second suite down payment?
Nanning housing provident fund new policy: two sets of 50%, three sets of loan suspension, two sets of down payment of 50%. Nanning housing provident fund loan policy takes the lead in tightening. In a word, the main policies include:
(1) Stop lending for three or more sets;
② Suspension of off-site loans;
(3) The housing provident fund can be loaned only after it has been paid continuously and normally for 65,438+02 months (inclusive);
④ The maximum amount of provident fund loan for the first suite is 600,000 yuan, and that for the second suite is 450,000 yuan;
⑤ The minimum down payment for the first suite provident fund loan is 20%, and the minimum down payment for the second suite is 50%;
⑥ The interest rate of the first loan is the basic interest rate, and the interest rate of the second loan is 1. 1 multiple of the basic interest rate;
7. The monthly repayment amount of the first set of provident fund loans shall not be less than 25% of the family income, and the second set shall not be less than 35% of the family income;