Many foreigners come here to work in big cities, and Guangzhou is no exception. Therefore, many people want to buy a house of their own in Guangzhou, but there are many problems to consider when buying a house, among which the property buyers are most concerned about the house price. So can 500 thousand buy a house in Guangzhou? What is the down payment ratio for buying a house in Guangzhou?
1.50 million Can you buy a house in Guangzhou?
It is basically impossible for 500,000 to buy a house in Guangzhou. If they want to buy a house in Panyu, 500,000 can only look at small apartments. Friends who want to buy a second-hand house can look at the second-hand houses around the subway station with a room age of about 20 years, but there are not many choices, and they can only find houses with an area of about 60-70 square meters.
2. What is the down payment ratio for buying a house in Guangzhou?
1. Friends who buy a house in Guangzhou and choose a commercial loan can generally get a loan of 70% of the house evaluation price if they buy the first suite, which is mostly lower than the market price, which means that friends who buy a house in Guangzhou need to pay 30% of the total house price as a down payment.
2. Friends who choose provident fund loans to buy a house, if they buy the first suite, the loan amount is generally 80% of the assessed house price, then the down payment is 20% of the total house price. However, if the house area exceeds 90 square meters, the loan amount is 70% of the assessed house price, but it depends on the amount of the applicant's provident fund deposit.
3. Guangzhou non-local household registration families want to buy a house in Guangzhou. In addition to preparing the down payment, they also need to pay social security or individual tax in Guangzhou for the first five years of the date of buying a house. Only by meeting this condition can they apply for a loan to buy a house in Guangzhou and limit the purchase of a suite.
Summary: About 500,000 people can buy a house in Guangzhou, so I'll introduce you here, hoping to help you. Buying a house in Guangzhou is a very difficult thing for most people, especially foreigners, not only because of the high housing prices, but also because of the purchase restriction.
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