Chongqing is a popular food city, so housing prices in Chongqing are very high. For families with low economic level, if they urgently need to buy a house, they often buy second-hand houses. Let’s take a look at the new down payment policy for second-hand houses in Chongqing with the editor. By the way, let’s talk about the down payment ratio for second-hand houses in Chongqing in 2020 and the detailed process of buying and selling second-hand houses in Chongqing. Friends who are interested can take a look together.

1. New down payment policy for second-hand houses in Chongqing

1. New down payment policy for second-hand houses in Chongqing. When buying a second-hand house in Chongqing, generally the interest rate for the first house can be applied based on personal credit information. Different discounts. For some projects, the down payment for the second set requires 30%, and a 10% discount on the interest rate can be applied. The down payment for the second set requires 40%, and the interest rate is increased by 10%.

2. For foreigners who want to buy a house in Chongqing, if there is no mortgage loan in their name, they can buy two houses with mortgage; if they have one house loan in their name, they can buy one house with mortgage; If you have two mortgages, you can only buy the house in full.

3. Chongqing’s new down payment policy for second-hand houses stipulates that new commercial houses and second-hand houses purchased in the main urban area must obtain a “real estate certificate” before they can be listed and traded for two years. The main urban areas refer to Yuzhong District, Jiangbei District, Shapingba District, Jiulongpo District, Dadukou District, Nan'an District, Beibei District, Yubei District, Banan District and Liangjiang New District.

2. The down payment ratio of second-hand houses in Chongqing in 2020

1. The down payment ratio of second-hand houses in Chongqing in 2020 is not very high. For commercial personal housing loans for Chongqing residents to purchase ordinary houses, the low down payment ratio is adjusted from no less than 25% to no less than 20%. For households that own one house and have outstanding home purchase loans, and then apply for a commercial personal housing loan to purchase an ordinary home in order to improve their living conditions, the low down payment ratio will be adjusted from 40% to 30%.

2. Provident funds are used to purchase second-hand houses in Chongqing. If the building area is less than 90 square meters (inclusive), the loan down payment ratio is 20% of the total price of the house. For provident fund loans to purchase a house with an area larger than 90 square meters, the down payment must be more than 30%.

3. For bank mortgage loans in Chongqing, the down payment for first home purchase is more than 30%. When buying a first house in Chongqing, the down payment for buying a new house with an area of ??no more than 90 square meters can be 20%; in the case of a second house, the down payment for buying a property is 50%; in the case of a third house, the bank that requires a loan will depend on the house price. In some cases, the loan may not be granted; in other cases, the down payment is 30%.

3. Chongqing Second-hand House Loan Interest Rate 2020

Many people will take out loans to buy second-hand houses in Chongqing. Among them, loans are divided into commercial loans and provident fund loans. Different loans have different loan interest rates. The following is a detailed introduction to Chongqing second-hand housing loan interest rates in 2020.

(1) Chongqing second-hand housing commercial loan interest rate 2020

1. The annual interest rate for commercial loans within one year: 4.350%.

2. Annual interest rate for commercial loans from one to five years: 4.750%.

3. The annual interest rate for commercial loans over five years is 4.900%.

(2) Chongqing second-hand housing provident fund loan interest rate 2020

1. The annual interest rate of provident fund loans for less than five years: 2.750%.

2. The annual interest rate of provident fund loans for more than five years is 3.250%.

The above data comes from the Internet and is for reference only.

The above is the relevant content about Chongqing’s new down payment policy for second-hand housing, Chongqing’s second-hand housing down payment ratio in 2020, and Chongqing’s second-hand housing loan interest rate in 2020. I hope it will be helpful to everyone!