The down payment ratio of the first home mortgage is 20%-30%, the down payment ratio of the second home mortgage is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. The down payment ratio will be different in different regions.
The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage life of the first-hand house shall be subject to the approval of 100 banks; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; Three suites are not allowed.
At present, there is a big difference between buying a new house and buying a second-hand house in the calculation of loan down payment. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans.
Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property.
Generally, the evaluation price of second-hand houses is lower than the market price. Appraisal prices are mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.
Second, Harbin borrowed money to buy a house and paid the down payment. Bank of China loan didn't come down for a month and a half.
Choosing a different time is different. Whether the loan amount of a specific bank is sufficient is related to the policy at that time. You can consult the bank customer service for details.
Personal housing mortgage loan conditions:
1, with permanent residence in town.
2. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
3. Self-raised down payment of more than 30% of the total house price;
4. The assets recognized by the bank are used as collateral or pledge, or units or individuals with sufficient compensatory capacity are used as guarantors to repay the loan principal and interest and bear joint and several liabilities, and the price of the purchased house basically conforms to the evaluation value of the evaluation agency;
6. Other conditions stipulated by the bank.
3. What is the down payment ratio of Harbin apartment?
The down payment of an apartment is generally 50%, and the loan can only be borrowed for ten years. The apartment is generally used as an investment, so his down payment ratio is relatively high. Another point is that apartments are generally small in area and the total price is relatively cheap, so we can't say too much. So remember, before buying a house, you must investigate the property rights of the house. 70 years for residential, 40, 50 years for apartments.
4. What is the general down payment for buying a house in Harbin?
Legal subjectivity: 1. If the loan is used to buy the first suite, then the minimum down payment for buying a house is 30%; If you can buy a second suite, except for a few cities such as Beijing, the minimum down payment is 60%. 2. There are two payment methods for mortgage: equal principal and interest and average principal. The specific formula is as follows: equal principal and interest: [loan principal × monthly interest rate ×( 1 interest rate) repayment months ]≤[( 1 interest rate) repayment months-1] Average capital: monthly repayment amount = (loan principal) Two months is quadratic. The above is the answer about the down payment for buying a house.