Many people want to borrow money to buy second-hand houses. The concept of second-hand house is that the house is old, while the concept of first suite, second suite and third suite is the number of times you buy a house, which has nothing to do with the old and new houses. For the down payment of second-hand housing loans, first of all, you need to know whether the buyers have real estate and whether the second-hand housing purchased this time is the first suite or the second suite.

1. If the buyer has no real estate, that is, the first second-hand house, then the down payment of the second-hand mortgage is not less than 30%. The 30% mentioned here is not the transaction price, but the evaluation price. Second-hand housing loans are based on the evaluation of second-hand housing, and the general evaluation price is lower than the market price.

2. If the buyer has real estate, then the down payment ratio of his second-hand house should be around 70%, and some banks can get a 15% discount on the first set.

3. In the case of three properties, if you need to borrow money from the bank to buy a second-hand house, then according to the regulations, you will not issue loans.

The down payment ratio of second-hand housing loans is divided into the following three situations.

1. If the last one has paid off the mortgage, and the buyers have good qualifications, they can get a down payment of only 20% on the second-hand housing loan.

2. If the last repayment is unclear and the buyers are required to cooperate with the repayment, the safest way is to go through the fund supervision procedure. So you can use the second-hand mortgage 30% down payment.

3. If the property buyers have sufficient funds, they can pay clearly in one lump sum, so there is no problem of down payment and mortgage.

Simply put, if the second-hand house you buy is the first suite, the down payment is generally 30%, but the loan period of the second-hand house is slightly shorter than that of the new house. The specific policies vary from place to place. The general loan for the first suite is better, but if you want to save trouble, you can get it directly by looking for an intermediary.

Can I get a loan for buying a second-hand house? How much is the down payment?

Second-hand houses can apply for mortgage loans. The specific operation process is as follows: 1. Apply. The buyer and the seller bring all the materials to the bank to fill in the relevant documents, and the bank staff make a preliminary evaluation according to the documents, giving the approximate loan amount and life, and then the buyer and the seller go to the evaluation agency designated by the bank to evaluate the house. 2. The bank examines the qualifications of the applicant and decides whether to approve the loan. 3. The buyer pays the down payment to the seller, and then the buyer and the seller go through the formalities of property right transfer. Wait 20 working days to buy a house to get the real estate license. 4. The buyer goes to the bank to go through the loan formalities, signs a mortgage loan contract with the bank, and then the buyer and the seller go through the mortgage formalities. 4. The bank transfers funds according to the loan contract, and the buyer repays the loan monthly according to the contract until the loan principal and interest are paid off and the mortgage guarantee is lifted. The down payment amount of second-hand housing loans needs to be considered in combination with the following factors. 1, total house price. Generally speaking, the down payment of second-hand housing loans is calculated according to the proportion of the total housing price. 2. Is it the first set? If it is the first second-hand house, the down payment of the loan is not less than 30%. If it is a loan to buy a second-hand house, the loan down payment is generally not less than 60%. 3. Local policies. Different regions have different policies, so the down payment is different. So it's best to go to the local bank to find out the situation and then choose the right bank to apply for a loan.

How much is the down payment for the first suite of second-hand houses?

The second set generally requires a down payment of not less than 50% or even 70%, depending on the urban housing policy.

How much is the down payment for buying a second-hand house?

With the rising price of new houses, the second-hand housing market is booming, and the transaction volume of second-hand houses in some cities even exceeds that of new houses. For some friends who want to buy a second-hand house, the first step is to consider paying a down payment. So how much is the down payment for buying a second-hand house? Let's have a look.

How much is the down payment for buying a second-hand house?

1. There is actually no difference in the down payment ratio between a second-hand house and a new house. Under normal circumstances, the down payment ratio that the first suite should pay is 30%, and the down payment ratio that the second suite should pay is possible from 40 to 70%, because the implementation ratio is different in different regions. In addition, the loan ratio of buying second-hand houses is not calculated according to the transaction price of houses, but according to the evaluation price of houses, so the evaluation price of second-hand houses will affect the amount of housing loans and taxes.

2. When buying a second-hand house and applying for a commercial loan from a bank to buy a house, the lending bank will evaluate the second-hand house for loan security. The loan bank will calculate the appropriate market reference price of the house according to the actual situation of the house's area, floor, orientation, decoration status, age and other characteristics.

3. The loan amount of the second-hand house is related to the appraised price of the house. If the down payment ratio of second-hand houses is 30%, then the amount that buyers can borrow is 70% of the appraised house price. Therefore, the higher the housing appraisal price, the higher the amount that buyers can borrow from loan banks. The sum of the loan amount and the down payment is the transaction price of the second-hand house, and the transaction price of the second-hand house minus the loanable amount is the down payment amount of the second-hand house. Therefore, the larger the loan amount, the less the net down payment for second-hand houses.

4. Under normal circumstances, the appraisal price of the house is lower than the transaction price, and it is not good for the appraisal price to be too high or too low. If the assessed price of the house is too high, the down payment of the house will be relatively low, but the amount of value-added tax and deed tax will increase, because the payment of deed tax and value-added tax is based on the assessed price of the house. If the appraised price of the house is too low, the buyer will have to pay more down payment.

The above is an introduction about the down payment for buying a second-hand house. Friends who want to buy a second-hand house can learn more about it, and then prepare the down payment funds according to their actual situation before buying a second-hand house. I hope the above introduction can help everyone.

What is the down payment ratio of second-hand houses and existing houses?

First of all, we need to know whether the buyers have real estate, one set or two sets. 1. If the buyer has no real estate, that is, the first second-hand existing house, then the down payment for the second-hand mortgage is not less than 30%. The 30% mentioned here is not a comparison of transactions but an evaluation price. 2. The loan type of second-hand existing houses is based on the evaluation of second-hand existing houses, and the general evaluation price is lower than the market price. If the buyer has real estate, then his down payment on the second-hand existing house should be around 70%. 4. The benchmark interest rate is currently 6.55%, and some banks can achieve a 15% discount for the first set. 5. In the case of three houses, if it is necessary to borrow money from the bank to buy a second-hand existing house, the loan is not allowed according to the regulations. Down payment ratio of second-hand existing houses: 1. If commercial loans are used to purchase second-hand existing houses, the down payment ratio of loans shall not be less than 30% for families (including borrowers, spouses and minor children) who purchase the first set of self-occupied houses with a construction area of over 90 square meters. 2. For families who purchase a second home by loan, 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. 3. Banks basically do not apply for loans for the purchase of third and above houses by loans. 4. If the provident fund loan is used to purchase second-hand existing housing, the down payment ratio shall not be less than 20% for families who purchase the first set of housing with a construction area of 90 square meters (including 90 square meters) or affordable housing according to regulations (including borrowers, spouses and minor children). 5. ICBC and China CITIC Bank can still apply for a down payment of 30%, and the interest rate of the first suite is 15% off. 6. Banks such as Bank of China, Agricultural Bank of China and China Construction Bank all raised the preferential interest rate of the first home loan to 10%. Commercial loans and provident fund loans to buy second-hand existing homes, the down payment ratio of second-hand existing homes is definitely different. In this way, the down payment for buying a second-hand existing house is also more than that for buying a new house. However, because the price and location of second-hand existing homes are relatively better, the second-hand existing home market is still very popular. Article 8 of the Civil Law of People's Republic of China (PRC) shall not violate the law, public order and good customs when engaging in civil activities.

This is the end of the second-hand housing loan down payment of 20 16 and the second-hand housing loan down payment of 20%. I wonder if you found the information you need from it?