At present, our country has further improved the financial services for the construction of affordable housing projects, continued to support the reasonable housing consumption of residents' families, and promoted the sustained and healthy development of the real estate market, which has led to the definition of the first suite. How to define the first suite in Shijiazhuang? How to share the down payment:

How to define the first suite in Shijiazhuang

1, mainly based on the fact that the first suite in Mianyang refers to the first suite with only one set of housing purchased according to national standards. The People's Bank of China stipulates that urban residents in China can enjoy preferential policies such as preferential mortgage interest rate and low down payment ratio when purchasing the first home.

2. The so-called "first suite" in Shijiazhuang must meet three conditions at the same time: the buyer 18 years old;

3. The house bought in Shijiazhuang is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%);

4. There is no house purchased alone or jointly with others under the name of Shijiazhuang purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded.

5. The People's Bank of China officially issued the Notice of the People's Bank of China and the China Banking Regulatory Commission on Further Improving Housing Financial Services, and Shijiazhuang made it clear that families who own/kloc-0 apartments and have settled the corresponding housing loans should apply for loans again to buy ordinary commercial housing and implement the first home loan policy.

How to calculate the down payment for the first suite in Shijiazhuang

1. Commercial loan: 70% of the appraised price of the house can be loaned for the first time (the appraised price is generally lower than the market price). Note: commercial loans recognize both houses and loans: it depends on whether there is real estate under the family name and whether there is a loan record before. Even if the property has been sold or the mortgage has been paid off, it is a record.

2. Provident fund loan: if you buy a house for the first time, you can get a loan of 80% of the appraised house price (within 90 square meters, 70% if it exceeds 90 square meters). Note: If the provident fund is not rated, you can only borrow 800,000 yuan, but it depends on the amount and proportion of your provident fund.

3. The first suite down payment calculation method:

Down payment = total house price-customer loan amount

Loan amount = contract price (market price) × 80% (the first loan amount can be as high as 80%)

The above is how to define the first suite in Shijiazhuang collected by Bian Xiao. How to calculate the down payment? Generally speaking, according to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new housing is 30%, the down payment ratio of provident fund loans for the first suite below 90㎡ (inclusive) shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90㎡ shall not be less than 30%.

(The above answers were published on 20 17-09-08. Please refer to the current actual purchase policy. )

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