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.

Second, the down payment ratio of a suite: What is the down payment ratio of the first suite?

In China, there is no fixed down payment ratio for the first suite, and different regions implement the down payment ratio for the first suite according to different actual conditions, so it is difficult to master the down payment ratio for the first suite. What's the down payment ratio for that first suite? Take the down payment ratio of the first suite in Beijing as an example to understand:

1, commercial loan

Taking a family as a unit, if it is the first time to buy a house, you can borrow 70% of the appraised price of the house (the appraised price is generally lower than the market price). For example, the market price of a house is 2 million, and the appraised price is 6.5438+0.8 million. The maximum loan can be 6.5438+70% of 0.8 million, that is, 6.5438+0.26 million, and the remaining house price is 2 million-6.5438+0.26 million = 740 thousand, and the interest rate is discounted (the benchmark interest rate is 85%).

Note: commercial loans recognize both houses and loans: it depends on whether there is real estate under the family name and whether there is a loan record before. Even if the property has been sold, or the mortgage has been paid off, it should be recorded (for example, the residential property has been sold; Or once had a residential property, and had a loan, and the loan has been paid off, the house has been sold to others, and now there is no house under its name, which is counted as a record. Buying a house through a commercial loan counts as two sets.

2. Provident fund loans

Taking the family as a unit, if it is the first time to buy a house, you can borrow 80% of the appraised price of the house (within 90 square meters, 70% of the loan over 90 square meters).

Note: If the provident fund is not rated, you can only borrow 800,000 yuan at most, but it depends on the amount and proportion of your provident fund deposit.

Third, the first suite down payment ratio: the first suite down payment calculation method:

Down payment = total house price-customer loan amount

Loan amount = contract price (market price) ×80% (up to 80% for the first loan)