In order to shorten the check-in time, many people often choose to buy second-hand houses and move in early. In terms of price, it will be more affordable than a blank house. Because a house needs hundreds of thousands, loans are often made, and buyers only need to pay the down payment first. How to calculate the down payment for second-hand houses? Then let's take a look!

The down payment of second-hand houses is generally calculated by subtracting the loan amount from the total house price, of which the loan amount accounts for 70% of the appraised house price. That is, when buying and selling second-hand houses, bank staff need to go to the door to evaluate the houses, and the evaluation price is generally 80% of the total house price. Take a 900,000 house as an example, the bank's evaluation price is generally 720,000. It should be noted here that the old and new degree of the house will directly affect the evaluation price. Then the loan amount is 504,000, and the second-hand house is down payment of 396,000.

Among them, if buyers choose commercial loans to buy the first house, the down payment is often not less than a quarter of the assessed price of the house, which means that the loan amount can reach up to three quarters of the assessed price. If it is the second or more properties under the name, the down payment and loan amount should each account for half of the appraised house price.

If the employee provident fund loan is used to purchase the first house, the down payment shall not be less than one-fifth of the appraised price of the house, then the loan amount can reach up to four-fifths of the appraised price. If it is a second house, the down payment needs to pay at least two-fifths of the appraised price of the house, which means that the loan amount is at most three-fifths of the appraised price. If you already have two houses in your name and need to buy another one, you can't use the provident fund loan.

It can be seen that the down payment is closely related to the housing appraisal price issued by the bank. If the appraisal price is high, the house loan amount is high and the down payment is low, which is more beneficial to the buyer. If the house is bought and sold through an intermediary, the down payment of the house needs to be included in the intermediary fee.

I hope the above answers are helpful to you.

Second-hand housing loan down payment

The down payment ratio of second-hand housing loans is not fixed, as follows:

If you choose a commercial loan to buy a house, and it is the first time to buy a house, you can enjoy the minimum down payment ratio of commercial loans, which is generally 30%.

(2) If it is a commercial loan to buy a house, and it is the second house purchased, the down payment ratio when handling the loan is 50%.

(3) If commercial loans are used to purchase commercial housing, the minimum down payment ratio is 50%.

(4) If you choose a provident fund loan to buy the first house, the down payment ratio is relatively low, only 20%.

⑤ If it is a provident fund loan to buy your second house, the minimum down payment ratio is 40%. The above is actually the down payment rule for buying a second-hand house. In fact, generally speaking, the standard of buying a second-hand house by loan is the same as that of buying a new house by loan. When you apply for a loan, if your own funds allow, the higher the down payment ratio, the better, because you can save more housing costs.

How much is the down payment for buying a second-hand house?

With the rising price of new houses, the second-hand housing market is booming, and the transaction volume of second-hand houses in some cities even exceeds that of new houses. For some friends who want to buy a second-hand house, the first step is to consider paying a down payment. So how much is the down payment for buying a second-hand house? Let's have a look.

How much is the down payment for buying a second-hand house?

1. There is actually no difference in the down payment ratio between a second-hand house and a new house. Under normal circumstances, the down payment ratio that the first suite should pay is 30%, and the down payment ratio that the second suite should pay is possible from 40 to 70%, because the implementation ratio is different in different regions. In addition, the loan ratio of buying second-hand houses is not calculated according to the transaction price of houses, but according to the evaluation price of houses, so the evaluation price of second-hand houses will affect the amount of housing loans and taxes.

2. When buying a second-hand house and applying for a commercial loan from a bank to buy a house, the lending bank will evaluate the second-hand house for loan security. The loan bank will calculate the appropriate market reference price of the house according to the actual situation of the house's area, floor, orientation, decoration status, age and other characteristics.

3. The loan amount of the second-hand house is related to the appraised price of the house. If the down payment ratio of second-hand houses is 30%, then the amount that buyers can borrow is 70% of the appraised house price. Therefore, the higher the housing appraisal price, the higher the amount that buyers can borrow from loan banks. The sum of the loan amount and the down payment is the transaction price of the second-hand house, and the transaction price of the second-hand house minus the loanable amount is the down payment amount of the second-hand house. Therefore, the larger the loan amount, the less the net down payment for second-hand houses.

4. Under normal circumstances, the appraisal price of the house is lower than the transaction price, and it is not good for the appraisal price to be too high or too low. If the assessed price of the house is too high, the down payment of the house will be relatively low, but the amount of value-added tax and deed tax will increase, because the payment of deed tax and value-added tax is based on the assessed price of the house. If the appraised price of the house is too low, the buyer will have to pay more down payment.

The above is an introduction about the down payment for buying a second-hand house. Friends who want to buy a second-hand house can learn more about it, and then prepare the down payment funds according to their actual situation before buying a second-hand house. I hope the above introduction can help everyone.

What is the down payment of commercial loans for second-hand houses, and what are the influencing factors?

The down payment of second-hand housing commercial loans is affected by the loan amount, which is determined by the housing evaluation value. That is, down payment = house transaction price-house appraisal value × loan ratio.

1. What is the down payment for commercial loans for second-hand houses?

In 20 17, "3. 17 New Deal" readjusted the down payment ratio of commercial loans, namely: 35% for the first ordinary house and 60% for the second one; The first set of non-ordinary housing 40%, the second set of 80%. The calculation method of down payment for commercial loans of second-hand houses is different from that of new houses. The down payment of commercial loans for second-hand houses is equal to the transaction price-house appraisal value × loan ratio, and the loanable amount of second-hand houses is equal to house appraisal value × loan ratio.

Note: The down payment of second-hand houses is generally higher than the actual income, because the loanable amount of second-hand houses is generally an integer. If the loanable amount calculated according to the formula is 659,000 yuan, the bank loan is 650,000 yuan. In other words, the remaining 9000 requires buyers to add down payment.

Second, what are the factors that affect the down payment of second-hand housing commercial loans?

The down payment of second-hand housing commercial loans is influenced by two factors: loan amount and evaluation value.

1. Affected by loan amount

The loan amount of the second-hand housing business loan determines the down payment amount, and the loan amount = housing appraisal value × loan ratio.

Note: The appraisal value of the second-hand house is appraised by the appraisal company recognized by the loan bank, which is a price based on the original purchase price, the current situation of the house, surrounding transactions and other factors, generally 80% to 90% of the market price of the house. ?

2. Affected by the transaction price

The transaction price of the second-hand house is the down payment except the loan. The transaction price here refers to the actual transaction price of the house, that is, the final transaction price after successful negotiation between the buyer and the seller.

Third, how to calculate the down payment for second-hand housing business loans?

Based on the above knowledge, let's take an example to see how the down payment of commercial loans for second-hand houses is calculated.

take for example

Xiao Liu is a registered permanent residence in Beijing, and has a suite in Fengtai, Beijing, and is repaying the loan. He wants to buy another second-hand ordinary house in Xicheng, and agreed with the seller that the transaction price is 5 million and the house evaluation value is 4.5 million. So how much is the down payment?

Based on the above knowledge, we can judge that the house we want to buy belongs to two sets, which are ordinary houses.

Therefore, the formula can be applied, down payment = transaction price-house appraisal value ×40%.

First calculate the loan amount = appraised value of the house × 40% = 4.5 million× 40% =1.8 million, then calculate the down payment = transaction price-loan amount = 5 million-1.8 million = 3.2 million. ?

The down payment of second-hand housing commercial loans is affected by the loan amount and transaction price. The difference with new houses is that the loan ratio of new houses is based on the transaction price, while the loan ratio of second-hand houses is based on the evaluation value.

This content only applies to Beijing.

How much is the down payment for second-hand housing loans?

Due to rising house prices, many people choose houses from second-hand houses. Second-hand houses are relatively easier than new houses, and the down payment is different from new houses. The following small series will introduce you to the down payment of second-hand housing loans.

20 17 has made a new adjustment to the down payment ratio of commercial loans, which is divided into several types. For example, the down payment ratio of ordinary houses is 35%, and if you belong to the second suite, it is 60%; 40% for the first set of non-ordinary housing and 80% for the second suite. We should know that the down payment calculation method of second-hand housing commercial loans is different from that of new houses. Second-hand housing commercial loan down payment = transaction price-housing appraisal value x loan ratio, second-hand housing loanable amount = housing appraisal value x loan ratio.

1. Number of properties owned by the lender

There are many factors that affect the down payment ratio. First of all, it depends on which suite your second-hand house is. We should know that there is still a big difference between the first suite and the second suite of second-hand housing mortgage loans. These two down payments are different.

2. Local policies

At the same time, according to local policies, it will also affect the down payment ratio of second-hand houses. We must know that every place will have different policies, and the policies will generally involve and stipulate the down payment ratio standard for the sale of second-hand houses. Relatively speaking, there will be some differences in local policies, so this should be decided according to the local actual situation.

3. Second-hand housing appraisal price

The down payment ratio of second-hand houses will also be affected by the bank's evaluation price. Generally speaking, like a second-hand house, you can borrow 70%, not a million houses, so you can borrow 700 thousand, which is 70% of the bank's "evaluation value"

Here's an example: for example, if your house is 6,543,800 yuan, then its appraised price is 800,000 yuan, then the lender can only apply for a loan of 560,000 yuan. To be clear, you must prepare a down payment of 440 thousand.

Summary: The down payment for second-hand housing loans is so much. We should know that there are still many factors that affect the down payment of second-hand houses, so we must know the actual situation before paying, so as to know how much down payment to prepare.

What is the general minimum down payment for second-hand houses?

1. If an individual purchases two or more houses and the first house, whether it is a first-hand house or a second-hand house, the minimum down payment ratio is 30%.

1. Individuals purchase more than two houses and choose provident fund loans;

2. The minimum down payment ratio is 20%

3. Choose commercial loans with a minimum down payment ratio of 40%, commercial loans with a minimum down payment ratio of 30%, provident fund loans, and individuals buying the first home;

Second, 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.

Extended data:

(1) Personal housing loans refer to loans issued by banks with purchased houses as collateral, including mortgage loans for forward houses and existing houses. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.

(2) Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.

(3) Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.

(4) Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.