This depends first on who is at fault, but also on the specific constraints of the contract terms on this situation. Under normal circumstances, it is impossible for developers to know the specific number of houses purchased by customers. If you conceal the false report of excessive loans, the developer has the right to let you make up the down payment; If the developer promises to provide a loan plan for the second suite in order to clinch a deal, and knows in advance that you are buying a house for the third time, then both parties are responsible for defrauding the loan in partnership. If the above answers can't solve your problem, I suggest you consult a special lawyer.
2. What is the down payment for the second apartment in Suzhou?
1. There is no loan record for an apartment, but one loan record has been returned.
For families with housing loan records but no housing when applying for housing loans, the minimum down payment for applying for personal commercial housing loans to buy ordinary housing is 50%.
For families who own a house but have no housing loan record or the corresponding housing loan has been settled, the minimum down payment ratio of individual commercial housing loan for purchasing ordinary housing is 50%.
2. An apartment loan has not been repaid.
If a resident family owns a house and the corresponding housing loan has not been settled, the minimum down payment ratio for re-applying for commercial personal housing loan is 80%.
3. What is the down payment standard for the second suite in Suzhou in 2023?
According to the consultation, no matter what happens, as long as you have a loan record in the bank, it is considered as a second suite. Hand it in
With the improvement of people's quality of life, everyone's economic strength is constantly rising, so many people are buying suites and houses. Of course, there will be certain restrictions on the down payment for buying a house again. For example, there are proportional requirements. So many people want to know how one is stipulated.
1. How much is the down payment for the second suite in Suzhou?
For families who own 1 apartment and the corresponding housing loans are not settled, the minimum down payment ratio for applying for commercial personal housing loans to purchase ordinary housing will be adjusted from 50% to 80%. For families with two or more houses, loans will be provided.
If the employee family uses the provident fund loan for the first time, the maximum loan amount will remain unchanged; The second time, the maximum amount was adjusted from the current 700,000 yuan to 500,000 yuan, and the single-person loan was 300,000 yuan; If the employee family uses the provident fund loan for the second time, the down payment ratio will never be less than 30% of the total house price, and it will be adjusted to 0%; The loanable amount is calculated as 10 times of the sum of the personal account balances in the second paragraph of the employee's family, and adjusted to the borrower's personal account balance.
The second infiltration, Suzhou commercial housing purchase restriction policy
1. When families who are not registered in this city (the whole city of Suzhou) apply to buy 1 house, they must submit the personal income tax payment certificate or social insurance (urban social insurance) payment certificate with accumulated payment of 1 year or above.
Two or more non-registered households in this city sell new commercial housing and second-hand housing.
3. Newly-built commercial housing and second-hand housing are sold by households registered in this Municipality.
4. Households purchase ordinary houses for the first time, with a minimum of 0%.
Zhao Huzhou 5. For households that have a record of buying a house loan, but actually have no room when applying for a loan to buy a house; For households who own 1 apartment but have no housing loan records or whose corresponding housing loans have been settled, the minimum down payment ratio for applying for commercial personal housing loans to purchase ordinary housing will be adjusted from 30% to 50%.
6 new applications for housing provident fund loans, adjust the personal calculation method. If the provident fund loan is used twice according to the provident fund account, the down payment ratio shall be adjusted to not less than% of the total house price, and the interest rate of the first home loan shall be adjusted to 10% according to the interest rate of the first home loan.
It can be clearly informed that customs clearance has indeed been adjusted to a certain extent, from the original down payment to the existing 80% house payment. In addition, Suzhou's relevant regulations on the second suite. I also give you a clear list here. 4. Suzhou: The minimum down payment for the first suite is 22%, and the proportion of the first suite is 40%.
On the eve of the Spring Festival in the Year of the Monkey, the central bank and the China Banking Regulatory Commission issued a new real estate loan policy. For the first time, the minimum down payment ratio of commercial loans can be reduced to 0.5% and adjusted to 20%. For families who own 1 apartment and the corresponding housing loans are not settled, the minimum down payment ratio is adjusted to not less than 30%, and the original down payment ratio for the second suite is 40%.
At present, the Spring Festival holiday has passed. From Suzhou banks, new house sales offices and second-hand housing agents, it is learned that the new mortgage policy issued by the central bank before the Spring Festival has now landed, and the minimum down payment for the first home loan has been realized. From now on, citizens with housing demand in Suzhou can enjoy preferential policies.
It is reported that on the afternoon of February 4, 2006, the self-discipline mechanism of market interest rate pricing in Jiangsu Province held a working meeting of core members in Suzhou, and the meeting reached an agreement. Among them, the down payment ratio of the first suite in Suzhou city was reduced to 20%, but the down payment ratio of the second suite was 40%. As for the county-level cities and Wujiang District in Suzhou, the new policies of the central bank will be implemented.
In addition, the New Deal will not be implemented in the main urban area of Nanjing, Jiangsu Province for the time being, while other 1 1 prefecture-level cities in Jiangsu Province (Wuxi, Xuzhou, Changzhou, Nantong, Lianyungang, Huai 'an, Yancheng, Yangzhou, Zhenjiang, Taizhou and Suqian) will all implement the new mortgage policy of the central bank. It is expected that the new mortgage policy of the central bank will be implemented in all banks, and the down payment ratio will be lowered just around the corner.
(The above answers were published on 20 16-02- 16. Please refer to the actual situation for the current purchase policy. )
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