Buying a house is an important event for every ordinary family. Many people will struggle whether to buy a new house or a second-hand house before buying a house. Buying a new house or a second-hand house is not only a matter of geographical location, but also directly related to the loan. So we should choose according to our own economic situation. So many people want to know the difference between new and second-hand housing loans. Next, let's take a look at Bian Xiao!
Is there a difference between a new house loan and a second-hand house loan?
1, different loan years
Usually, the loan cycle of new houses will be longer, and the loan cycle of second-hand houses will be shorter. The term of new house loan is 30 years, but the term of second-hand house loan is directly related to the age of the house. If the second-hand house is older, the loan period will be shorter, so many second-hand houses have loan periods of less than 30 years.
2. The loan amount is different
For new houses, the down payment is usually calculated by multiplying the total house price by the corresponding down payment ratio, and the maximum loan amount can also reach 70% or 80% of the total house price; The down payment and loan amount of second-hand houses are directly related to the housing evaluation price, mostly 80%-90% of the market value of second-hand houses, and some second-hand houses will be lower. (Mainly according to local purchasing policies, each region will be slightly different. )
3. Different taxes and fees
Compared with new houses, second-hand houses need to pay more taxes and fees. Although the standard of deed tax collection for new houses and second-hand houses is the same, the taxable value of taxes and fees is different. The new house is multiplied by the corresponding deed tax ratio according to the total house price, and the second-hand house is multiplied by the corresponding deed tax ratio according to the evaluation price, transaction price or guidance price.
Bian Xiao's conclusion: The above is about the difference between new and second-hand housing loans? I hope I can help you. I believe that after reading the above, you will know more about new and second-hand housing loans, and you can refer to them in the future.
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