Provisions of Hangzhou Municipality on the down payment ratio of self-occupied housing under different circumstances

"There is heaven above and Suzhou and Hangzhou below". Hangzhou is close to the coast and its economy is developing rapidly. Buying a house and settling down in Hangzhou is the dream of most people. So how much is the down payment for a new house, a second-hand house and a second-home provident fund loan in Hangzhou? This issue of the "guide to buying a house" combs the down payment ratio under different circumstances for your reference.

When buying self-occupied housing, how is the down payment ratio stipulated?

1. Workers' families (including borrowers, spouses and minor children) use provident fund loans to purchase the first set of ordinary self-occupied houses, or own a house and have settled the corresponding housing loans. If they buy ordinary self-occupied houses again to improve their living conditions, the down payment ratio according to different housing types is as follows:

1. When purchasing a commercial house with a construction area of less than140m2, the down payment ratio of the loan shall not be less than 20%; If the construction area is above140m2 (inclusive), the down payment ratio of the loan shall not be less than 30%; At the same time, it shall not be lower than the minimum down payment ratio agreed in the real estate cooperation agreement of the provident fund center;

2 the purchase of affordable housing, loan down payment ratio of not less than 20%;

3. If the second-hand house is purchased and the completion year of the house is after 2000 (inclusive), the down payment ratio of the loan shall not be less than 30%; For houses built before 2000, the down payment ratio of loans shall not be less than 40%; If the construction area is less than 50 square meters, the down payment ratio of the loan shall not be less than 50%;

2. If an employee's family owns a house but fails to settle the corresponding commercial housing purchase loan, the down payment ratio of the loan shall be no less than 40%, and the loan interest rate shall be 1. 1 times of the interest rate of the first housing accumulation fund for the same period.

Three, workers' families have two or more houses or outstanding housing provident fund loans, shall not apply for housing provident fund loans.

The above is the down payment ratio of Hangzhou provident fund to buy a house. I hope it will help everyone to buy a house.

(The above answers were published on 20 15- 12-07. Please refer to the actual situation for the current purchase policy. )

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