How much is the down payment for buying a house in Bengbu? What is the down payment ratio?

1. How much is the down payment for buying a house in Bengbu? What is the down payment ratio? Since the end of last year, under the hard conditions of "30% down payment and interest rate floating 10%", the down payment threshold has been raised linearly. Taking 100_ apartment as an example, we use the latest average price of 20 18 districts (Longzihu District, Yuhui District, bengshan district and Huaishang District) to do a simple arithmetic problem. For convenience, we calculate the down payment for buying a house in Bengbu on the condition that the down payment is 30%, the loan is 30 years, the principal and interest are equal and the interest rate is 5.39%. The same house is 100_. Last year, it was 6000/_, with a down payment of 20% and a benchmark interest rate of 4.39. The down payment is only120,000, but this year it is 60,000 more! According to the minimum price of 7,000 yuan/_ in the central city of Bengbu, how much is the down payment for the apartment of 100 _ in Bengbu? The down payment is 2 1 10,000 yuan. There are still many people in Anjia Real Estate in Bengbu who want to buy the first suite. If you want to know the down payment for the first suite, you need to know the local policies. Second, the standard for identifying the first suite in Bengbu is 1. Loan to buy a suite, commercial loans have been settled, and then loan to buy a house is the first suite in Bengbu. I bought a suite with a loan and later sold it. You can't find the real estate through the housing registration system, but you can find the loan record in the bank credit information system, and then borrow money to buy a house, which is the first suite in Bengbu. 3. I bought a suite in full and bought a house with a loan, which is the first suite in Bengbu. 4. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house, which was the first suite in Bengbu. 5. There are commercial loan records of two suites in the name of the individual, which have all been paid off and sold, and at the same time, they can provide proof of selling two houses. In this case, when refinancing, the first suite in Bengbu is counted. 6. A commercial loan in the name of an individual has been paid off, and another provident fund loan has been sold. At the same time, it can provide proof of house sale and apply for commercial loan to buy a house. It is the first suite in Bengbu. 7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status, and calculate the first suite in Bengbu. 8. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. After marriage, he buys a house and applies for a loan, which is the first suite in Bengbu. 3. How much is the down payment for buying a house in Bengbu? Policy: For families (including borrowers, spouses and minor children) who purchase the first set of self-occupied housing with a construction area of over 90 square meters, the down payment ratio of loans shall not be less than 30%. Status quo: The down payment requirement of commercial banks for the first home loan is generally 30% or more, while the provident fund loans for the first home loan vary from place to place. In some cities, the down payment can be as low as 20%, and the general down payment is above 30%. The down payment ratio of the first suite is inconsistent with the requirements of various financial institutions. Therefore, the down payment of the first home loan depends on the personal qualifications of the borrower. If the qualification is not optimistic, it may increase to 40% to 50%.