First, how to calculate the down payment for buying a house in Hangzhou? The down payment ratio of the first suite is 20%-30%, the down payment ratio of the second suite 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 period of the first-hand house shall be subject to the approval of the bank; (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%; No loan for the third suite. 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, what is the definition of the first suite? The first suite means buying only one house. The People's Bank of China stipulates that urban residents in China can enjoy preferential mortgage interest rates when purchasing the first home. The so-called "first suite" must meet three conditions at the same time: the buyer 18 years old; The house you bought is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%); There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded. 3. What is the deed tax for the first suite in Hangzhou? Taxpayers mainly collect deed tax on houses purchased, contracted, donated or exchanged by individuals and private units. 1On April 23, 1997, China promulgated the new Provisional Regulations on Deed Tax, which stipulated that the deed tax rate was 3% ~ 5%. The tax rate applicable to the specific deed tax shall be determined by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government within the tax rate range according to the actual situation in the region. According to the current policy in Hangzhou, the calculation method of the first suite tax is 1%, 1.5%, 3%: less than 90 square meters1%of the contract price; 90- 140㎡ 1.5%； 140 square meters or more or 3% of non-ordinary houses. 4. What is the down payment ratio of the first suite in Hangzhou? Different banks will have different proportions according to different situations of individuals and families. This is related to the size of the house you buy, but generally the down payment for buying a house is 30%. But it depends on the credit history of the developer and me in the bank. If the buyer can't be recognized as a high-quality customer (no bad record, but has been urged to repay the loan) and buys an unusual house (the state stipulates that it is a large apartment of 143 square meters or more), the down payment of the buyer will probably increase to 40%. Buying a house is a big deal for every family. Nowadays, many people can't afford a full house, and most of them buy a house with a down payment. Down payment and loans have a lot to do with whether local people pay social security, whether they have provident fund or not, and whether they are the first suite. It's the first suite, which is less than the bank loan and the procedure is much simpler.