1. When purchasing the first commercial residential mortgage in Kunming, the minimum down payment shall be no less than 20%, and the benchmark interest rate shall rise 15%.

2. Kunming purchases the second set of commercial mortgage loans for commercial housing, with a minimum down payment of not less than 45% and a benchmark interest rate increase of 20%.

3. Kunming suspended the third set of commercial residential mortgage loans.

4. Commercial buildings such as shops, apartments and office buildings in Kunming are not limited in purchase and loans. The down payment is not less than 50%, and the longest loan can only be 10 year, and the benchmark interest rate will rise by 30%.

5. The down payment for the first suite of Kunming housing provident fund loans shall be no less than 20%, and the down payment for the second set of housing provident fund loans shall be no less than 50%. After the first housing provident fund loan is settled, the waiting period is 2 years before you can apply.

Matters needing attention in paying down payment for buying a house

First of all, we must examine whether the developer has a pre-sale permit for commercial housing. With a permit, it means that the developer has a land use permit, a planning permit, a construction project permit, etc. This is the key to buying a house. It should be noted that the purchased building number is within the pre-sale range.

Second, we should use the text of the standard house sales contract uniformly printed by the real estate management department, and fill it out item by item according to the terms listed in the text. Never be careless.

Third, we should pay attention to whether the rights and obligations in the contents filled in by both parties in the terms of the contract are equivalent. Some developers have filled in the contract text in advance, and even the supplementary terms are filled in by themselves. Most of these filled-in contract texts are unequal in rights and obligations. Once this happens, buyers must put forward their own opinions and never make a move.

Four, area confirmation and area difference processing. If the confirmed area is selected and the area difference is treated based on the interior construction area, the treatment method when the area is wrong shall be specified in the "Area Difference Treatment" clause. Only when there is a detailed agreement on the area difference in the contract can we avoid being fooled.

Fifth, we should pay attention to whether the payment method of house sale is standardized. The amount, time limit, method of payment and liability for breach of contract are stipulated in the contract. Some developers do not sign the contract first, but let the buyers pay a certain deposit first, and only issue receipts to the buyers. Once a dispute occurs, it is often difficult for buyers to prove their responsibility.

6. Be sure to confirm whether the delivery date is confirmed. It is common to delay the delivery of the house due to insufficient funds. Developers often make a fuss about pre-sale contracts, such as only indicating the completion date and not indicating the delivery date; Use some vague language such as "after water and electricity installation, after quality acceptance, after residential facilities are completed". In this regard, when signing a contract, buyers must clearly stipulate that the delivery date is "a certain month and a certain day" and indicate the responsibilities that developers need to bear if they cannot deliver the house on time.

Seven, when signing a house sales contract, it is best to ask a lawyer or an expert to review the contract text for you from a legal point of view, in order to reduce some unnecessary losses.