The standards in each region are different. Generally, the down payment for the first suite is more than 30%, and the minimum down payment for provident fund loans is 20%. The loan amount must be in tens of thousands.

When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans.

Calculation method of down payment for a first-hand house: down payment = total house payment-customer loan amount = contract price (market price) ×80% (the first loan amount can be up to 80%). The down payment ratio of the first suite is not fixed, and the down payment ratio of the first suite varies from place to place. There are many cases of down payment by installments now.

Down payment for the first suite:

Taking Zheshang Bank's personal loan policy in 2020 as an example, the proportion of "unrestricted" urban households purchasing the first set of personal housing down payment loans decreased from 30% to 20%.

As early as 2065438+February 2006, the People's Bank of China and the China Banking Regulatory Commission pointed out in the Notice on Relevant Issues Concerning the Adjustment of Individual Housing Loan Policy:

In cities that do not implement the "purchase restriction" measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places.

The relevant staff of Zheshang Bank responded to the media that this policy is not "one size fits all" and 20% is just the bottom line. Not all the implementation processes are based on the proportion of 20%, and other factors must be comprehensively considered before deciding whether to give a down payment ratio of 20%.

Loan interest rate (mortgage interest): Take the mortgage interest rate from 2065438 to August 2009 and the average housing loan interest rate as examples. In August, the average interest rate of the first home loan in China was 5.47%, up 3 basis points from the previous month. The average interest rate of the second home loan is 5.78%, up 2 basis points from the previous month, which is equivalent to 62 basis points and 93 basis points higher than the current five-year LPR level, both of which are far higher than the lower limit of interest rate stipulated in the New Deal.

How much is the down payment for the first house?

20%-30%。

PremisesPermit refers to the certificate that the buyer obtains the legal ownership of the house through the transaction and can exercise the right of possession, use, income and disposal of the purchased house according to law. That is, the "House Ownership Certificate" is the legal certificate for the state to protect the ownership of houses according to law. Proof that the owner manages and uses his own house. Property ownership certificate includes house ownership certificate and house ownership certificate. Generally speaking, the real estate license is the abbreviation of the house ownership certificate, which is a written certificate issued by the real estate registration authority to prove the ownership of the house.

How much is the down payment for the first house?

Calculate how much it will cost to decorate your home.

With the adjustment of the purchase restriction policy and the down payment ratio of loans, the requirements for buying a house are becoming more and more strict. Many people don't know what the first suite, second suite and multi-suite are, so they don't know how much down payment they need to pay for buying a house with a loan. Let's learn about the down payment of the first house in Bian Xiao.

1. What is the down payment for the first house?

The down payment for buying a house generally exists in the case of buying a house with a loan. Starting from 20 13, it is stipulated that the down payment for the first suite is 30% of the total house price. We can calculate the down payment by the unit price and area of the house. For example, if the house price is 15000 yuan per square meter, then we can buy this house.

Second, how to identify the first house

1, for individuals or families who have no real estate under the name of the company, the first loan to buy a house is regarded as the first suite.

2. For those who have purchased the house in full under their names, whether they have been sold or not, the first loan to purchase the house is deemed as the first suite.

3. For those who bought a suite with a loan under their name, the commercial loan was later settled or sold, and they are not in the repayment state in the bank credit information system. If you apply for a loan to buy a house, it is the first suite.

4. For a house with two suites whose loan has been settled, but whose property has been sold, if you apply for a loan to buy a house again, only the proof materials for the sale of two houses can be considered as the first suite.

5. For the house that has paid off the commercial loan and sold the provident fund loan, apply for a commercial loan to buy a house again, as long as the house sale certificate is issued, it can be recognized as the first suite.

6. If one spouse has a house before marriage and has no mortgage record, and the other spouse has no house and no mortgage record, and applies for a loan to buy a house after marriage, it can be considered as the first suite.

Editor's summary: The above is an introduction to the down payment of the first suite. The general down payment is calculated according to 30% of the total house price. I hope what Bian Xiao shared can give you some reference.

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How much is the down payment for the first home loan?

Buying a house is a major event in life, and house prices have been rising continuously. In recent years, housing prices in many first-tier cities have been so high that many people can't catch up. So what is the down payment for the first home loan now? What are the calculation methods for the down payment ratio of the first suite? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

How much is the down payment for the first home loan?

In non-restricted cities, the minimum down payment ratio of the latest first-home mortgage is adjusted to not less than 25%, and all localities can float up and down by 5 percentage points, which is as low as 20%. The down payment ratio of the second suite in non-first-tier cities cannot be less than 30%, and the down payment ratio of the second suite in first-tier cities is usually not less than 50%. Of course, it depends on the local regulations.

What are the calculation methods for the down payment ratio of the first suite?

1. In fact, there is no fixed down payment ratio for the first suite. According to the local actual situation, the down payment ratio of the first suite can fluctuate by 5 percentage points. Therefore, the down payment ratio of the first suite is more difficult to define the standard. The Central Bank of China and the China Banking Regulatory Commission have issued that the down payment for the first suite of commercial housing is 25% in principle in cities that do not implement the purchase restriction, which can be lowered by 5 percentage points in various places, and the down payment ratio for families who buy the second suite and have outstanding loans is not less than 30%.

2. Down payment = total house price-customer loan amount, and the first loan amount = contract price (market price) ×80% (the first loan amount can reach 80%). For cities that haven't announced the new down payment ratio of the first suite, it's still 30%, but there will be different down payment ratios in different situations. If some developers quit buying a house, the down payment ratio will be different, so the specific situation varies from person to person.

Summary: The above is the down payment amount and calculation method of the first home loan introduced by Bian Xiao, hoping to help some people in need. If you want to know more about the first suite, please continue to pay attention to our Qijia.com.