According to the Notice of Chongqing Housing Provident Fund Management Center on Relevant Matters Concerning Differentiated Management of Housing Provident Fund Personal Housing Loans, in the future, Chongqing will determine the down payment ratio according to the size of the houses purchased by buyers, instead of the previous "one size fits all" 30%. The notice stipulates that the down payment ratio of housing provident fund loans is divided into three steps: first, if the construction area is below 90 square meters (inclusive), the down payment ratio of loans shall not be less than 20%; If the construction area is 90- 144 square meters (inclusive), the down payment ratio of the loan shall not be less than 30%; If the construction area exceeds 144 square meters, the down payment ratio of the loan shall not be less than 40%. The down payment ratio is within the maximum loan limit.

At the same time, the notice clarified the maximum amount of housing provident fund personal housing loans. If the maximum amount of individual housing loan remains unchanged, it will still be 400,000 yuan. However, after the husband and wife jointly participate in the loan, the total amount of individual housing loan shall not exceed 1.5 times of the maximum amount of individual housing loan, that is, the maximum amount is 600,000 yuan, compared with 800,000 yuan last year.

At present, the down payment ratio of the first home mortgage is 20%-30%, the down payment ratio of the second home mortgage is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. The down payment ratio will be different in different regions.

The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented;

The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%;

The third suite is not allowed to buy a house with the current loan. When buying a new house and a second-hand house, the calculation of loan down payment is very different.

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. Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property. Generally, the evaluation price of second-hand houses is lower than the market price. Appraisal prices are mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.

Through the above introduction, I understand the down payment ratio of second-hand houses in Chongqing. Some property buyers feel that the process of buying a second-hand house is too complicated, and they will complete the transaction through an intermediary, which not only needs to pay some intermediary fees, but also increases the purchase cost to a certain extent. Moreover, we should also make a good choice of intermediaries to avoid unnecessary losses to our economic interests caused by black intermediaries.