Generally, the down payment ratio of the first suite is 20%-30%.
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.
First-hand housing down payment calculation method:
Down payment = total house price-customer loan amount
Loan amount = contract price (market price) ×80% (up to 80% for the first loan)
The down payment ratio of a suite is not fixed, and the down payment ratio of the first suite varies from place to place. However, due to the downturn in the 20 12 property market, a lot of down payment is now made in installments.
2. What is the down payment ratio of the first suite in Shanghai?
1. According to national regulations, as long as the family is the first house, the down payment shall not be less than 30% of the total house price. For example, if you want to buy a house of 1 10,000, then the down payment should be at least 1 10,000, 30% = 300,000.
2. The above are all algorithms for the first suite. When buying a second suite (family as a unit), the down payment ratio of the loan shall not be less than 50%. For example, for a house with a total house price of 6.5438+0 million, the down payment should be at least 6.5438+0 million, and 50% = 500,000.
When buying a new house, the down payment is calculated according to the proportion and loan amount. If you buy a second-hand house, you need to negotiate the down payment with the owner, as long as it is not lower than the down payment ratio (≥ 30%).
Since 20 1 8,65438+10,1,there have been some changes in the second-hand housing loan. For the sale of second-hand houses, there is no yin-yang contract, no online contract, and no minimum house evaluation price. Based on this calculation, when determining the loan amount, the requirements for various rules and terms have become stricter, and the auditing basis has begun to have more standards, which will definitely change a lot.
At present, CCB, BOC, ICBC Bank of Communications and many other banks have said that the central bank has issued corresponding notices before, but since it has not received the detailed rules, CCB has now started to take the lead in implementing this policy, so it is certain that major banks will gradually implement this policy for home buyers' loans.
3. How much is the down payment for buying a house in Shanghai?
Down payment ratio of housing loans in Shanghai
The Ministry of Housing and Urban-Rural Development reduced the down payment ratio of the second suite to 50%, while reducing the loan ratio of the first suite provident fund to 20%. The document was supported by the Ministry of Finance and the Central Bank. At present, the down payment ratio of housing in Shanghai is as follows:
1. Shanghai Industrial and Commercial Bank, Agricultural Bank and Bank of Communications all said that they have not received the notice to reduce the down payment ratio of the second suite. At present, the down payment ratio for purchasing the second suite is still 70%.
2. 20% down payment for the first suite with a pure provident fund loan of less than 90 square meters.
3. In line with Shanghai's purchase restriction policy, use the pure provident fund loan to purchase the first suite below 90 square meters, with a down payment ratio of 20%. The down payment ratio for purchasing the first suite (over 90 square meters) with pure provident fund loans is 30%.
In fact, local governments have introduced measures to reduce the down payment ratio with the support of provident fund, and Shanghai, Jinan and Guangzhou have implemented this policy. The Ministry of Housing and Urban-Rural Development is preparing to submit the Regulations on the Management of Housing Provident Fund (Revised Edition) to the State Council, which will make a major breakthrough in the use of citizens' housing provident fund.
5. Generally speaking, according to the existing implementation standards for the first suite, the down payment ratio of commercial loans for new houses is 30%, the down payment ratio of provident fund loans below 90% (inclusive) for the first suite shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90% shall not be less than 30%.
4. What is the down payment for the second house with provident fund loan?
Housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of employees. Anyone who has continuously paid the housing provident fund for more than 6 months or accumulated the provident fund for more than 1 year and is still paying the provident fund is eligible to apply. Customers who conduct the preliminary examination of provident fund loans need to calculate the number of loan sets on a family basis. The loan is more than 90 square meters, with a loan ratio of 7 and a loan ratio of 80%. The second set is 50%; However, if there is an upper limit, it seems that the second mortgage provident fund loan is still 3.87%, and the third mortgage is cancelled. This information is also consulted by several banks on the Internet. They are all synchronized with the bank, and the interest, repayment method and term are consistent. It is also an online financial platform recognized by the China Banking Regulatory Commission. There are many loan products and good service industry. At the same time, as long as your information meets the requirements of the bank within 7 working days, they can put it into styles. They will not charge any extra fees in any name before the bank formally lends money to users (this is the biggest difference from ordinary private lending institutions). Personally, I think it's quite good or quite formal. I suggest you try something that may have the loan information you want, hoping it will help you.