The apartment is not limited to purchase or loan, and the minimum down payment is 50%. As long as your credit information is good and the running water is enough to cover your monthly payment, there is no special requirement.
Second, the commercial and residential apartment policy
Legal analysis: to establish the right of residence in an apartment, the parties concerned should conclude a right of residence contract in writing, and the right of residence contract should specify the term of residence. Other policies are: 1. The national policy on apartment housing is first embodied in the land policy. The state encourages all localities to build rental housing through new land, build rental housing in new commercial housing projects, and increase the supply of rental housing through various forms; 2. Secondly, in terms of financial policy, the state requires increasing financial support for housing leasing enterprises, encouraging banking financial institutions such as development finance to increase credit support for rental housing projects, and providing long-term loans and financial solutions for leasing enterprises; 3. Finally, regarding the operation policy, there are various difficulties in the actual operation of housing leasing enterprises at present. In view of these problems encountered by housing leasing enterprises, such as newly rebuilt housing leasing projects, industrial and commercial registration, leasing personnel management, etc. All localities should establish fast approval channels and constantly explore the implementation of parallel approval.
Legal basis: Article 367 of the Civil Law of People's Republic of China (PRC) establishes the right of abode, and the parties concerned shall conclude a right of abode contract in writing. A residence contract generally includes the following clauses: (1) the name and domicile of the parties; (2) the domicile; (3) living conditions and requirements; (four) the duration of the right of residence; (5) Methods for resolving disputes.
3. What is the loan interest rate of Suzhou commercial apartment?
The interest rate of 7.2 1% is normal.
What is the loan interest rate for commercial and residential buildings? The latest benchmark interest rates are 4.35% from 0 to June (including June), 4.35% from June to 1 year (including 1 year), 4.75% from 1-3 years (including 3 years) and 4.75% from 3 to 5 years (including 3 years). On this basis, there will be appropriate downward floating or upward floating.
The bank loan interest rate is determined according to the credit rating of the loan, the collateral of the credit status and the national policy (the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 The interest rate of the first home loan in some banks is 1. 1 times or 65438 due to the shortage of funds. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The interest rate is 6.55%0.85=5.5675% after 15% discount over five years. It has been tightened since the third quarter due to the shortage of funds and credit funds, and may be relaxed after the Spring Festival. The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount.
4. Can I get a loan to buy another commercial apartment?
Can buy! Nonsense upstairs!
60% down payment and 40% loan.
The apartment is not within the scope of purchase restriction! It doesn't matter whether you have a certificate or not! If there is a loan, the bank can only think that you are a second loan, but it will not affect the tax payment, loan and so on! Pay taxes according to a suite!