The down payment ratio has nothing to do with the first home or second-hand house. The down payment ratio of personal housing loans is based on the two situations of commercial loans and provident fund loans. The down payment ratios are as follows:

1. Buyer’s commercial loan to purchase a house :

1. The buyer chooses a commercial loan to purchase the first home. The minimum down payment ratio is 25% of the appraised price of the house, and the maximum loan ratio is 75%;

2. The buyer chooses a commercial loan to purchase the second home. For more than one house, the minimum down payment ratio is 40% of the appraised price of the house, and the maximum loan ratio is 60%;

2. Buyer’s provident fund loan to purchase a house:

1. The buyer chooses a provident fund loan to purchase the first home For housing, the minimum down payment ratio is 20% of the appraised price of the house, and the maximum loan ratio is 80%;

2. The buyer chooses a provident fund loan to purchase a second house, the minimum down payment ratio is 40% of the appraised price of the house, and the maximum loan ratio is 60;

3. Buyers cannot use provident fund loans to purchase three or more residential properties or commercial properties.

Extended information:

The entire process of second-hand housing transactions is roughly divided into the following stages:

(1) The buyer and seller establish information communication channels, and the buyer understands the house The overall current situation and property rights require the seller to provide legal documents, including house ownership certificates, identity documents and other documents.

(2) If the house provided by the seller is legal and can be listed for trading, the buyer can pay a deposit for the house purchase (paying a deposit for the house purchase is not a required procedure for the sale of commercial houses), and the buyer and seller sign a house sales contract (or house sale). contract).

After the buyer and seller reach an agreement through negotiation on the location of the house, property rights status and transaction price, house delivery time, house delivery, property rights management, etc., the two parties sign at least three copies of the house sales contract.

(3) Both the buyer and seller *** must submit applications to the real estate transaction management department and accept review. After the buyer and seller submit application procedures to the real estate management department, the management department must check relevant documents, review property rights, and allow transfer procedures for houses that meet the listing conditions. For houses that have no property rights or partial property rights and have not obtained the written consent of other property rights holders, Otherwise, the application will be rejected and listing and trading will be prohibited.

(4) Establish a contract. The real estate transaction management department shall, based on the property rights status of the house being traded and the purchase object, apply for approval step by step according to the approval authority set by the transaction department in advance, and then the two parties to the transaction can go through the contract signing procedures. Beijing has canceled the real estate sale deed during the transaction process, which is commonly known as the "white deed".

(5) Pay taxes and fees. The composition of taxes and fees is relatively complex and depends on the nature of the transaction. For example, the tax composition of housing reformed housing, relocation housing, affordable housing, and other commercial housing is different.

(6) Go through the transfer procedures of property rights. After both parties to the transaction complete the property rights change registration at the real estate transaction management department, the transaction materials are transferred to the issuing department. The buyer can apply for a new property ownership certificate at the issuing department with the notice of receipt of the house ownership certificate.

(7) For home buyers with loans, after signing the house sales contract with the seller, the buyer and seller will go to the lending bank to handle the loan procedures. The house will be evaluated to determine the buyer's loan amount, and then the buyer's loan will be approved. After both parties complete the property rights registration change and the buyer receives the house ownership certificate, the bank will issue the loan in one go.

(8) After the buyer obtains the house ownership certificate and pays all the house payments, and the seller delivers the house and settles all property fees, the second-hand house sales contract between the two parties will be fully performed.

Baidu Encyclopedia-Second-hand housing transactions