Due to the rapid development of the Internet, information dissemination is more and more extensive. When people encounter problems they don't understand in life and work, they just need to learn and understand them online.
Let's take a look together. First, the minimum down payment for the first purchase of ordinary housing by households in Chengdu is 30%. Residents who own a house in Chengdu and the corresponding purchase restriction loan is not settled: in the 1 1 residential purchase restriction area, the minimum down payment ratio is not less than 60%, and the loan period is not more than 25 years; The minimum down payment ratio in Chengdu area of Tianfu New District is not less than 70%, and the longest loan period is not more than 25 years; The minimum down payment ratio of other non-restricted areas is not less than 40%. Second, the use of provident fund to buy a house in Chengdu is mainly divided into two situations: municipal provident fund and provincial provident fund. Among them, Chengdu Provident Fund has a minimum down payment of 30%, and Sichuan Provident Fund has a minimum down payment of 20%. It's obviously cheaper to make friends with the Sichuan Provincial Provident Fund. In addition, from the perspective of loan term and loan amount, the level of provident fund in Chengdu and Sichuan is the same. 3. In Chengdu, the minimum down payment ratio of commercial loans for individuals to purchase non-residential houses is 50%, and the provident fund cannot be used for loans. Of course, if your budget is sufficient, you can decide how much down payment you have to pay. Fourth, what conditions do you need to meet when buying a house? Basic conditions: 1. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan; 2. A house purchase contract has been signed with the company, and the down payment ratio stipulated by the bank has been paid according to the personal credit situation, which is less than 20%; 3. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house. The following information shall be provided: 1, the purchase contract signed by the purchaser and the company, and the receipt of more than 20% of the house payment; 2. The valid identity certificate and marital status certificate of the purchaser (marriage certificate or single certificate); 3. Proof of income of the purchaser (provided by the sales office bank);