Yes,/kloc-it's not easy to approve a house loan for more than 0/7 years, and then it's related to the loan period.
Second, how much is the down payment for buying a second-hand house?
The down payment of second-hand houses is related to the first two sets, ordinary houses or non-ordinary houses. Commercial loans need 35% down payment for the first ordinary housing and 40% for the first non-ordinary housing; Two ordinary houses need 60% down payment, and two non-ordinary houses need 80% down payment.
First, how to identify the first two sets of second-hand houses?
3 17 New Deal redefines the identification standard, down payment ratio and loan life of the first two sets of commercial loans. The first two sets of recognition criteria: "recognize the house and recognize the loan".
Recognize the house: recognize the house in Beijing; Recognition of loans: recognition of state loans (commercial loans and provident fund loans)
Policy changes of commercial loan purchase
The first set: there is no residence under the name of Beijing, and there is no record of housing loans nationwide.
Two sets: Beijing housing and national housing loan records. In other words, those who have a house in Beijing, or have no house in Beijing but have a record of commercial loans or provident fund loans nationwide, are all identified as two sets.
note:
(1) loans settled are also recorded.
(2) Buying a house with a loan within one year after divorce is counted as two sets (including commercial loans and provident fund loans). The specific banking rules have not yet been announced. Have a divorce record within one year. Most banks mean that the divorce time is after 2065438+March 23, 2007. Some banks will consider the online signing time, which is subject to the actual policy of the bank.
For example:
Xiao Wang bought a house in Yanjiao with a commercial loan, and the loan has been settled. Then, buying a house in Beijing is considered as "two sets".
Second, how to distinguish ordinary houses from non-ordinary houses?
Meet the following three criteria, that is, usual residence, and vice versa.
1. The plot ratio is above 1.0 (inclusive);
2. The building area is below140m2 (inclusive);
3. Either the unit price does not exceed the maximum limit or the total price does not exceed the maximum limit.
Standard table of unit price and total price of ordinary houses
Standard for unit price and total price of ordinary houses
Note: Public houses are generally ordinary houses, but most banks are ordinary houses for public houses over 140 square meters, and each bank is different.
Third, give an example to calculate.
Single Xiao Wang has no house and no loan in Beijing, but he has a house in Hebei and the loan has not been paid off (the credit report only shows the record of this housing loan). Now he is going to buy an ordinary house of 60 square meters between the Fifth Ring Road and the Sixth Ring Road. The online signing price is 3.7 million (the evaluation price > the online signing price) and the transaction price is 4 million. What is the minimum down payment?
Calculation formula of minimum down payment for second-hand houses
Minimum down payment of second-hand house = transaction price-online signing price × loanable amount (evaluation price > online signing price)
Can be analyzed from the above:
Xiao Wang has a loan record, so buying a house in Beijing counts as two sets, and it is an ordinary house. The minimum down payment is:
400-370× (1-60%) = 2.52 million yuan.
Second-hand housing down payment is not only related to the first two sets, but also related to whether the house is ordinary or non-ordinary
Source: Beijing Municipal Commission of Housing and Urban-Rural Development.
This content is only applicable to Beijing.
Third, why is the second-hand house down payment higher than the actual down payment ratio?
Buying a new house and a second-hand house at the same price, the down payment of the second-hand house is much higher than that of the new house. If the down payment of the first suite is 30%, the down payment of the second-hand house can reach 40% or even 50% of the transaction price. This is because the second-hand loan is the evaluation price, so the actual down payment is higher than the prescribed down payment ratio. When buying a second-hand house, we must distinguish between the transaction price and the evaluation price of the second-hand house.
Why is the second-hand house down payment higher than the actual down payment ratio?
1. What's the transaction price?
Transaction price refers to the actual transaction price agreed by the buyer and the seller. For example, the seller of the house has made transactions in various ways. This 1002000 is the owner's quotation.
2. What is a comment?
When buying a second-hand house to apply for a commercial loan from a bank, the bank will evaluate the second-hand house for safety reasons. The bank will combine the actual situation of the house to be evaluated, including area, floor, orientation, decoration status, house age and other characteristic factors. To calculate the relatively scientific and reasonable market reference price of the house.
3. What does success matter?
The loan amount of second-hand housing is related to the evaluation price. If the down payment ratio of the second-hand house is 70% of the appraised price, 30. The higher the appraisal price, the more money you can borrow from the bank.
The loan amount and the transaction price of a second-hand house MINUS the loanable amount mean that the larger the loan amount of the second-hand house, the less the net down payment of the second-hand house.
For example, the transaction price of second-hand houses is 654.38+00,000, and the bank's evaluation price is the down payment ratio, and the second-hand houses are 60,000 (70% of 800,000). At this time, the net down payment to be paid by the buyer is 10,000 yuan, equivalent to four times the transaction price, 14%. If it is second-hand, the second-hand house has a net down payment of 300,000 yuan. If the appraised price of the second-hand house is 1 .20,000, the down payment is1.60,000 (1.20,000 70%).
Of course, the evaluation price of second-hand houses is less than or equal to the transaction price. Usually, the evaluation price is lower than the transaction price. The appraisal price is too high or the down payment is relatively low, but the value-added tax and deed tax paid will increase, mainly because the deed tax and value-added tax are paid on the basis of the appraisal price. The evaluation price is too low, which means that you have to pay more down payment for buying a house.
When buying a second-hand house, individuals must calculate the costs of buying a house, because second-hand houses need to pay more down payment than new houses. In addition, they also
(The above answer was published in 20 17-03-3 1, when
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4. What is the down payment ratio of 202 1 Zhengzhou second-hand housing provident fund?
If you buy a second suite and apply for a provident fund loan, the down payment for the second suite is generally not less than 50%. However, it should be noted that only the area of the first suite is below 120 square meters (inclusive) can you apply for a housing provident fund loan to buy a second suite.
The relevant departments required the implementation of the New Deal on March 3 1, but it took Zhengzhou three days to adjust the tax system. From April 2nd, eligible second-hand houses will be exempted from business tax.