Second-home down payment refers to the down payment that buyers need to pay when they apply for a loan from a bank when buying a second home. The amount of this money is regulated. Applying for a loan when buying a second suite will be affected by the first suite. So what is the down payment ratio for buying a second suite in Xianyang? Can I buy a second suite with a provident fund loan in Xianyang? Second-home down payment refers to the down payment that buyers need to pay when they apply for a loan from a bank when they buy a second home. The amount of this money is regulated. When he buys a second suite and applies for a loan, he will be influenced by the first suite. So what is the down payment ratio for buying a second suite in Xianyang? Can he buy a second suite in Xianyang with a provident fund loan?

What is the down payment ratio for buying a second suite in Xianyang?

1. According to the adjustment of the new mortgage policy, the detailed rules of the new mortgage policy require that the loan ratio and loan interest rate of the second suite should be further increased, that is, the down payment ratio of the second suite should be increased under the new mortgage policy. According to the new data, the down payment ratio of the second home is raised from 60% to 70%, and the loan interest rate is raised to 1.3 times.

2. For families who purchase the first set of self-occupied housing with an area of 90 square meters or more, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; Significantly increase the down payment ratio and loan interest rate of the third and above housing loans, which shall be determined by commercial banks independently according to the principle of risk management.

3. Take the loan of 300,000 yuan and pay it off in 20 years as an example. If the house purchased by the borrower is the first suite, and the mortgage interest rate is calculated according to the current benchmark interest rate of 6.55% for loans over five years, then the borrower needs to repay 2,246.56 yuan per month, and the total interest to be paid after 20 years is 238,934.6438+08 yuan;

Can I buy a second suite in Xianyang with a provident fund loan?

1. You can still apply for provident fund loans when you buy a second commercial house (residence). For employees' requirements to stipulate the down payment ratio for second-home apartments and houses below 90 square meters, Article 14 of the Regulations adds the stipulation that the down payment ratio shall not be lower than the down payment ratio stipulated by the state, and determines the principle of applying the relevant provisions of the state.

2. Purchase the first set of ordinary self-occupied housing with the housing provident fund loan in accordance with the Notice on Issues Related to Standardizing the Housing Provident Fund Personal Housing Loan Policy jointly issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.

What is the down payment ratio for buying a second suite in Xianyang? Can I use the provident fund loan? The interest rate of choosing provident fund for loans is relatively low. It's no trouble to go through the loan formalities. If you buy from the developers, they can help you.