At present, the down payment ratio of second-hand houses in Qingdao is as follows: regulations: 30% down payment for the first purchase and 70% loan; 40% down payment for the second house purchase and 70% loan. Whether it is a new house or a second-hand house, the ratio is the same. In fact, that city has the same proportion. If you buy a house in Qingdao, you may pay 20% down payment and 80% loan, provided that the house area is less than 90 square meters.

Second, I want to buy a second-hand house in Qingdao. I wonder how much the second-hand house down payment needs? It is 30% ...

You can apply for a 20% down payment for a house below 90 square meters, but it seems that you can only pay more than 300 yuan for the provident fund (personal tax deduction does not include company subsidies), otherwise you will have to pay 30%, the minimum down payment for a house above 90 square meters is 30%, and the down payment for 120 square meters is 40%.

3. What is the down payment ratio of second-hand housing loans in Jimo, Qingdao? Commercial loan.

Did you buy a first-hand housing loan, a second-hand mortgage or a provident fund loan? The maximum amount of first-hand housing loans is the property price. In other words, the first-hand housing loan down payment needs at least 30%, and the second-hand housing down payment needs more than 50%. Some banks have a current interest rate of 6.9% for less than five years and 7.05% for more than five years. The interest rate of housing provident fund loans is clearly defined. I can only tell you that the conditions of a mortgage loan for a first-hand house are: proof (resident ID card, household registration book or other valid identification) and proof of marital status; (2) Having a good credit record and willingness to repay; (three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time; (4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses; (5) Being able to pay the down payment of the purchased house; (6) Opening a personal settlement account in a bank; (7) Effective guarantee recognized by the lender;

4. What is the down payment ratio between the first suite and the second-hand house?

The down payment ratio of second-hand houses is as follows:

1. If the seller fails to pay off the repayment, ask the buyer to cooperate with the repayment: it is recommended to go through the fund supervision procedures and make a down payment of 30%.

2. The house itself has no loan, or the seller has completed the mortgage repayment: if the buyer is buying a house for the first time, the minimum down payment for the second-hand house loan is 20%, and the loan can be 80%.

If you want to buy a second-hand house, follow the following process:

1, buy a house, inquire about information, and see the house on the spot:

Establish information communication channels with sellers through newspapers, internet and other media resources. On-the-spot house inspection, on-the-spot inspection and price negotiation determine the intention to buy a house, and at the same time require the seller to provide corresponding legal documents, such as house ownership certificate, ID card, household registration book and other documents.

2. Sign the second-hand house sales contract:

After the price is agreed, the transaction intention is confirmed, and the seller provides the corresponding legal documents of the house, the buyer can pay the house purchase deposit. It is worth mentioning that paying the house purchase deposit is not a necessary procedure for the sale of commercial housing. After consultation and communication, both parties signed at least three house sales contracts.

3. Both parties * * * go to the loan bank to handle the loan formalities:

If the buyer needs a loan to buy a house, after the buyer and the seller reach an agreement, the loan bank will appoint an evaluation company to evaluate the house to be traded by both parties and confirm the loan amount. After the two parties sign the house sales contract, the buyer and the seller shall go through the loan formalities with the loan bank. After the bank approves the loan applicant's credit, it will notify both parties to complete the property right change. After receiving the real estate license, the buyer shall handle other rights certificates accompanied by the bank. After the issuance of other certificates of rights, the bank will

4. Both parties * * * go through the transfer formalities at the Property Rights Exchange Center:

After the contract is signed, the buyer and the seller apply to the real estate trading center for review. For houses that meet the listing requirements, the relevant departments will allow the transfer procedures, and those that have no property rights or some property rights without the written consent of other property owners will not be handled, and listing transactions are prohibited.

5. Pay relevant taxes and fees

6. Both parties * * * go through the property rights formalities at the property rights exchange center.

After the buyer and the seller complete the registration of property right change, they will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate.

7. Pay off the balance and complete the transaction.

8. After the buyer pays the house price, the seller delivers the house and settles all expenses (including water, gas, electricity, heating, property management and cable TV). ) Before the delivery date.