1. How much is the down payment for the first suite in Foshan?
1, the so-called "first suite" must meet three conditions at the same time: the buyer 18 years old; The house bought is an ordinary house below 90 square meters; There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded. So how much is the down payment for the first suite in Foshan? It is 20%.
2. If you use the provident fund to buy the first suite in Foshan, and the area of the suite is less than 90 square meters, the down payment ratio of provident fund loans shall not be less than 20%, and the down payment ratio of loans over 90 square meters shall not be less than 30%.
3. If you buy the first suite in Foshan with a commercial loan, the down payment ratio is 30%. The down payment is not allowed, so the buyer must have some cash on hand, usually 30% down payment. If the money on hand is more than 30% of the down payment, you can also give cash. The reason for this is to reduce the loan money, because loans need interest, so in terms of total amount, the more cash you give, the less loans are still cost-effective. Of course, it depends on your own situation.
2. What is the interest rate of the first home loan in Foshan?
1. Provident fund loans are not divided into the first and second suites. As long as the housing provident fund center in Foshan allows loans, the loan interest rate is the same, and the central bank uniformly stipulates the implementation interest rate. At present, the interest rate of Foshan first home provident fund loan is as follows:
(1) The interest rate of provident fund loans for more than five years is 3.25%.
(2) The interest rate of provident fund loans for five years or less is 2.75% per annum.
2. If you choose the commercial loan interest rate of the first suite in Foshan, you need to check the specific interest rate provided by the bank. At present, the benchmark annual interest rate of loans announced by the People's Bank of China is:
(1) 0-6 months (inclusive), with an annual interest rate of 4.35%;
(2)6 months-1 year (inclusive), with an annual interest rate of 4.35%;
(3) 1-3 years (including 3 years) with an annual interest rate of 4.75%;
(4) 3-5 years (including 5 years) with an annual interest rate of 4.75%;
(5) 5-30 years (including 30 years), with an annual interest rate of 4.90%.
3. At present, it is reported that the interest rate of the first home loan has been raised from 4.9% of the original benchmark interest rate to 5.39% of 1. 1 times. If the loan is 1 10,000 yuan, the monthly payment will increase from 5787.8 yuan to 6075.4 yuan. So the specific interest rate is not necessarily, it depends on the actual situation.
Iii. Foshan House Purchase Policy 2020
1. The newly revised "Measures for the Administration of New Citizen's Points System Service in Foshan" clearly stipulates that the original home purchase policy will no longer be implemented, and the buyers will be included in the overall arrangement of the points system. At the same time, cancel the treatment of students who purchase houses and set a transition period, and take the real estate situation as the scoring index for applying for household registration and admission.
2. The policy will be implemented on June 0, 2065438+2009+65438. In other words, Foshan can't directly settle down when buying a house, and the real estate situation is only used as the scoring index for applying for an account, which stipulates the limit of 144. Therefore, the method of buying a house in Foshan is no longer feasible. Friends who need to settle down can follow the following others:
(1) Family education
Full-time bachelor degree or above, under the age of 45, who has paid social security for 6 months continuously and has no criminal record; College degree is more suitable in Sanshui and Gaoming District. If you meet the requirements, you can also apply.
(2) Highly skilled families
Hold a third-level skill certificate, be under 45 years old, have social security for more than 6 consecutive months, have no criminal record, and have a residence permit;
(3) points into households
If you have paid social security for one year continuously in Foshan, you must have a residence permit and no criminal record. In Foshan, points are arranged every quarter, that is, there are four opportunities a year, and you can apply if you meet the conditions.
(4) Stable employment.
People who have lived in Foshan for three years, have been legally and stably employed for three years, and have legally and stably resided, themselves, their spouses, minor children and their parents who live together can apply for household registration at their place of residence.
The above is about
How much is the down payment for the first suite in Foshan? What is the interest rate of the first home loan in Foshan? I hope I can help you. Interested friends can also check it out.