Most people think that the concept of the first suite is to buy a house for the first time, but the legal provisions on it are not completely like this, and it also contains many problems. So what is the standard for determining the first suite? Let's introduce the criteria for determining the first suite in Kunshan. How low is the down payment for the first suite in Kunshan?
Most people think that the concept of the first suite is to buy a house for the first time, but the legal provisions on it are not completely like this, and it also contains many problems. So what is the standard for determining the first suite? Let's introduce the criteria for determining the first suite in Kunshan. How low is the down payment for the first suite in Kunshan?
What is the standard for determining the first suite in Kunshan?
1. Loan to buy a suite, commercial loan has been settled, and then loan to buy a house, which is the first suite in Kunshan.
I bought a suite with a loan and later sold it. You can't find the real estate through the house registration system, but you can find the loan record in the bank credit information system, and then borrow money to buy a house. It is the first suite in Kunshan.
3. I bought a suite in full, and bought a house with a loan, the first suite in Kunshan.
4. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I borrowed money to buy a house, which was the first suite in Kunshan.
5. There are commercial loan records of two suites in the name of the individual, which have all been paid off and sold, and at the same time, they can provide proof of selling two houses. In this case, when refinancing, it is the first suite in Kunshan.
6. One commercial loan in the name of an individual has been paid off, and the other is a provident fund loan that has been sold. At the same time, it can provide proof of house sale and apply for commercial loan to buy a house. It is the first suite in Kunshan.
7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status, and count it as the first suite in Kunshan.
8. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. After marriage, he buys a house and applies for a loan, which is the first suite in Kunshan.
How low is the down payment for the first suite in Kunshan?
1. Policy: For families (including borrowers, spouses and minor children) who purchase the first self-occupied housing with a construction area of over 90 square meters, the down payment ratio of loans shall not be less than 30%.
2. Status quo: The down payment requirement of commercial banks for first-home commercial loans is generally 30% or above, while the situation of provident fund first-home loans varies from place to place. The down payment in some cities can be as low as 20%, and the total down payment is more than 30%.
What we introduced to you above is what is the identification standard of the first suite in Kunshan? Regarding the down payment of the first suite in Kunshan, the criteria for determining the first suite may be different from what we thought, but we know that as long as these criteria are met, it can be determined as the first suite.
How much is the down payment for buying a house in Kunshan, China?
How much is the down payment for buying a house in Kunshan, China? The down payment for buying a house in Kunshan, China cannot be less than 30% of the total amount. For first-time house purchase and first-time loan, the down payment is not less than 30%, and there is no limit on overpayment, and the benchmark interest rate or loan bank policy shall be implemented. For the second set of loans, the interest rate of the first set of down payment is 60-70% when it is not paid off 1. 1 times, and the down payment is still not less than 30% when it is paid off 1. 1 times. This is for the new house. About the down payment of second-hand houses: As the loan amount of second-hand houses is calculated according to the evaluation price, which is lower than the actual transaction price, the down payment of second-hand houses should make up the difference between the evaluation price and the transaction price. Down payment for buying a house in Kunshan: 1. If the provident fund is used for the first time and the apartment area is less than 90 square meters (inclusive), the minimum loan down payment ratio is 20% of the total house price. If the purchase area of provident fund loans is more than 90 square meters, the minimum down payment shall be more than 30%; 2. The minimum down payment for the first suite of bank mortgage loans is over 30%; 3. At present, the mortgage interest rate is different because of the specific policies of different banks, and each bank has its own floating range; 4. There are two repayment methods of mortgage loan: equal principal and interest repayment and equal principal repayment. Matching principal repayment means that the lender distributes the principal to each month and pays off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month. Average capital repayment method is a very simple and practical repayment method. The principle of the basic algorithm is to repay the loan principal in equal amount on schedule during the repayment period, and at the same time pay off the interest generated by the unpaid principal in the current period. Repayment methods can be monthly repayment and quarterly repayment. Due to the requirement of bank interest settlement practice, quarterly repayment is generally adopted (such as China Bank). The average capital repayment method refers to a repayment method in which the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the current month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is less and less. It is also convenient to determine the repayment ability according to your own income. The total expenditure of this repayment mode may be reduced relative to the matching principal and interest, but the repayment pressure is greater at first. If it is used for mortgage, this method is more suitable for people who are at the peak of work or are about to retire. Matching principal and interest refers to a repayment method. Matching principal and interest means paying the same amount of loans (including principal and interest) every month during the repayment period. This is a concept different from average capital. Although the monthly repayment amount may be lower than the average capital repayment method at the beginning, the interest paid in the end will be higher than the average capital repayment method commonly used by banks. The calculation formula of monthly repayment amount is as follows: [loan principal × monthly interest rate ×( 1 interest rate )× repayment months] ÷ monthly repayment amount [( 1 interest rate )× repayment months]. To sum up, the state has made great efforts to help first-time buyers. Most enterprises will buy five insurances and one gold for their employees, of which the housing accumulation fund is the subsidy for employees to buy houses. The actual situation in different regions is different, but the subsidies purchased for the first time are just as bad. Friends who buy a house for the first time can consult relevant policies before buying a house, which can save a lot of money.
What is the down payment ratio of the second suite in Kunshan?
Legal analysis: The down payment ratio of the second suite in Kunshan is divided into two situations: having a house without a loan and having a house without a loan. If a resident family has a house without a loan or a loan record but actually has no house when applying for a loan to buy a house, the minimum down payment ratio for purchasing a second suite is 50%. If a resident family owns a self-occupied house but the loan has not been settled and buys a second suite, the minimum down payment ratio is 80%.
(A) Kunshan purchase restriction policy
1, purchase conditions
Non-local accounts must provide proof of tax payment or social security for two or more consecutive years in Suzhou within three years (effective from July 25, 20 19).
2. Scope of purchase restriction
Household registration in this city: households can buy up to 3 suites.
Foreign household registration: households can purchase 1 suite at most.
3. Restricted purchase area
Restricted purchase areas: gusu district, Xiangcheng District, Industrial Park, High-tech Zone, Wujiang, Wuzhong District, Taicang and Kunshan.
Unlimited purchase areas: Changshu and Zhangjiagang
4, the scope of payment of social security tax
Suzhou urban area includes Suzhou urban area (gusu district, Wuzhong District, Xiangcheng District, Wujiang District, Suzhou High-tech Zone and Suzhou Industrial Park) and Kunshan, Taicang, Changshu and Zhangjiagang.
(B) Kunshan loan restriction policy
1, the first house
The minimum down payment ratio is not less than 30%;
2. Two houses
Housing without loans or housing with loans: the minimum down payment ratio is 50%;
(For households that have a record of buying a house loan, but actually have no room when applying for a loan to buy a house; There is 1 apartment, but there is no housing loan record or the corresponding housing loan has been settled)
Housing and loans: the minimum down payment ratio is 80%;
(A resident family owns 1 apartment and the corresponding housing loan has not been settled, and applies for a commercial personal housing loan again to purchase ordinary housing. )
3, the third set of housing above.
For households with two or more houses, commercial personal housing loans will be suspended.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.
Natural resources owned by the state according to law may not be registered.
Article 214 The establishment, alteration, transfer and extinction of the real right of real estate that should be registered according to law shall take effect when it is recorded in the real estate register.
Article 215 A contract concluded between the parties on the establishment, alteration, transfer and extinction of the real right of immovable property shall become effective upon the establishment of the contract, unless it is otherwise provided by law or agreed by the parties. Failure to register the real right shall not affect the validity of the contract.
What is the down payment process for buying a house in Kunshan?
1. What is the down payment process for buying a house in Kunshan? When the buyer and the seller sign the house sales contract, they can pay the down payment and apply for the mortgage. The specific process is as follows: 1. The buyer and the seller sign a contract to confirm the intention of buying and selling the house. 2. The buyer pays the down payment and obtains the down payment voucher. 3. The buyer and the seller should bring all the information needed for the transfer and loan. 4. The buyer and the seller complete the transfer and hand over the house. Second, what should I pay attention to when buying a house? 1. To verify the developer's five certificates, it is necessary to verify the developer's land certificate, construction land planning permit, construction project planning permit, construction permit and sales permit. Mainly depends on the state-owned land use certificate and commercial housing pre-sale permit. These two certificates are accurate, and there is no problem in general, especially the pre-sale permit. 2. Pay attention to the terms of the contract. It must be noted that the text of the house sales contract must be standardized. Friends can download and print on the website of the real estate bureau. Read it first, then read it carefully and fill it out when signing the contract. 3. Clear delivery time and liability for breach of contract. The seller's liability for breach of contract for late delivery, and pay attention to whether there is compensation for late delivery. In other words, the delivery date must be confirmed, and the delivery date must be clear to the year, month and day. Do not accept any unreasonable terms. 4. Confirm the area and deal with the area difference. It is clearly stipulated in the measures for the management of commercial housing sales that if there are differences in the area of purchased commercial housing, it shall be implemented in accordance with the contract. 5. Confirm whether the rights and obligations in the terms of the contract are equivalent, and be sure to pay attention to whether the rights and obligations in the contents filled in by both parties in the terms of the contract are equivalent, and put forward their own amendments in time. The main research place is the contract supplement part of the developer. Be careful not to harm your own interests or give up your related rights. Signing a contract is a very serious matter and a legal act, so it is very important to know clearly before signing a contract. To sum up, many Shanghainese will buy houses in Kunshan now. If they want to apply for a mortgage, they can pay a down payment. According to Kunshan's real estate control policy, the down payment ratio is 50%. Property buyers prepare funds, go to the sales office to discuss the purchase, pay the down payment after confirming the intention, pay the down payment after signing a written contract, and then mortgage with invoices and other materials.
This is the end of the introduction of Kunshan down payment loan and Kunshan down payment loan interest rate. Did you find the information you needed?