Different from other commodities, the price of a house is very high, ranging from hundreds of thousands to hundreds of thousands and millions, so you should know yourself before buying a house. Secondly, where to buy a house, you should also know the local housing policy. So how much is the down payment for the first suite in Shanghai? Let's take a look with Bian Xiao.

1. How much is the down payment for the first suite in Shanghai?

1. Commercial loan: if you buy a house in Shanghai for self-occupation, the down payment ratio of the first suite is 30%; 2. Provident fund loan: the first suite purchased in Shanghai is used for self-occupation. If the house area is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20%, and if the house area is more than 90 square meters, the down payment ratio shall not be less than 30%.

2. What is the standard for the first suite in Shanghai?

1. When buying a house in Shanghai, if you have borrowed money to buy a house and your business loan has been settled, you can sell the house and then borrow money to buy a house. In this case, the property right of the house cannot be found in the local housing system, but it can be found in the loan banking system, which is the first suite.

2. The house I bought in full before was later sold. The property can't be found in the housing registration system, so the loan to buy a house belongs to the first suite. Secondly, if there are already two houses in the name, and there are commercial loan records, but the loans have all been paid off at present, and the sales certificates of the two houses can be provided, then this situation is also the first suite.

3. A Shanghainese already owns a suite, and the money for the commercial loan has been settled. At the same time, the house bought by another provident fund loan has also been sold, and it can also provide proof of the sale of two houses, so applying for a commercial loan is also the first suite. Secondly, one of the husband and wife bought a house with a commercial loan before marriage and the other with a provident fund loan, so buying a house with a loan in the name of husband and wife after marriage also belongs to the first suite.

Editor's summary: The above is the relevant explanation about the down payment of the first suite in Shanghai, hoping to bring help to friends.

What are the first home loan policies in Shanghai?

Nowadays, when people are rich, the first thing they think of is to buy a house they like. However, for a prosperous city like Shanghai, it may take many years to buy it just by salary. So in order to solve this problem, Shanghai introduced the first home loan policy, which is a good opportunity for many people. What are the first home loan policies in Shanghai? Let's have a look.

What are the first home loan policies in Shanghai?

Shanghai's first home loan enjoys preferential policies for mortgage interest rates. Of course, many people may not be very clear about the definition of the first house. It is necessary to meet the requirements that the buyer is over 18 years old and the house he bought is an ordinary house below 90 square meters. There is no house purchased by the buyer alone or jointly with others. As long as these conditions are met, he can enjoy the first home loan policy.

What is the down payment ratio for buying a house in Shanghai?

For residents who purchase the first home, if the loan is mainly commercial, the down payment ratio shall not be less than 30%; Of course, due to the improvement of economic conditions, many people will choose to buy a second suite when they have money. The so-called second suite refers to people who have no housing in Shanghai but have commercial housing loan records or provident fund housing loan records, and have 1 apartment in Shanghai. The down payment ratio of the second suite shall not be less than 50%.

How much is the deed tax for the first suite in Shanghai?

Relevant data show that the deed tax is paid according to 1% for the purchase of houses with a building area of less than 90 square meters in Shanghai, and it is levied according to 1.5% before the building area of 90 square meters reaches 144 square meters, and 3% for the building area 144 square meters. In addition, the preferential deed tax for the first suite in Shanghai means that if a certificate can be issued, it means that it is the first time to purchase a house.

What is the standard for determining the first suite in Shanghai?

1. The house bought with the loan has been paid off. At this time, I want to borrow money to buy a house, which is the first suite; As long as you can't find the property in the housing registration system, you can find the loan record in the bank credit information system, and then borrow money to buy a house as the first suite; I bought a suite in full, and the loan to buy a house was the first suite.

2. If you buy a suite in full and sell it later, the relevant system can't find the existence of the property. At this time, you can borrow money to buy a house and count it as the first suite; At the same time, there are commercial loan records of two suites under the personal name, which have all been paid off and sold, and two sets of housing sales certificates can be provided at the same time. In this case, when refinancing, the first suite is counted.

Summary: Well, that is the introduction of the first home loan policy in Shanghai. I hope I can give you some help. I believe that in the process of Shanghai's first home loan policy, friends will feel more at ease and get their own satisfactory answers.

Shanghai 2022 First Suite Down Payment New Deal

The down payment ratio policy is as follows:

1. Commercial loan. At present, the mainstream of the first home loan policy in most areas is that a down payment of 30% is still required, and the benchmark loan interest rate is 6.55%.

2, provident fund loans, the purchase of the first set of self-occupied housing and Xing Tao construction area of less than 90 square meters of families, housing provident fund loans down payment ratio of not less than 20%;

3, provident fund loans, the first set of self-occupied housing and Xing Tao construction area of more than 90 square meters of families, housing provident fund loans down payment ratio of not less than 30%.

Shanghai 2022 first suite down payment new deal;

1, mortgage ratio. If the lender purchases the first suite and chooses the provident fund loan, the minimum down payment ratio of the provident fund loan is 20%; If the lender chooses a commercial loan, the minimum down payment ratio is 30%. If the lender buys a second suite, then according to the latest policy, the down payment ratio will be adjusted to a minimum of 40%.

2. The amount of mortgage loan. According to the regulations, when users apply for a mortgage in a bank, the amount of mortgage they can generally apply for is about 70% of the assessed house price. But generally speaking, the bank's evaluation price is lower than the market price.

2022 Shanghai first loan interest rate

In 2022, the interest rate of the first home loan in Shanghai was 4.9%, including 4.75% for commercial loans and 4.9% for provident fund loans. In addition, according to the latest regulations of Shanghai Housing and Urban-Rural Development Committee, the minimum loan interest rate for Shanghai residents to purchase the first home is 4.9%, of which the minimum commercial loan interest rate is 4.75% and the minimum provident fund loan interest rate is 4.9%. In addition, the Shanghai Housing and Urban-Rural Development Committee also stipulates that the loan period for Shanghai residents to purchase the first home can be up to 30 years, including 25 years for commercial loans and 30 years for provident fund loans.