According to different situations, the down payment ratio of second-hand housing loans will be different. Take the top 20% buyers, and the corresponding second-hand housing loan amount = 20% of the second-hand housing evaluation price.

1. Seller factor

1) Purchase the house in full or pay off the bank mortgage.

If the situation is good, generally only 20% down payment is needed as a second-hand house.

2) The mortgage has not been paid off, and it is needed.

According to the credit status of buyers, the general down payment is 30%. In addition, it is suggested to take the fund supervision procedure to avoid losses due to some reasons.

2. Buyer's factor

1) sufficient funds can be paid in one lump sum.

Of course, this situation does not involve the down payment.

2) The buyer is short of funds and needs a loan. This depends on whether there is real estate under the name of the purchaser. How many properties are there?

(1) has no house, or there is no house with outstanding loan, so the house purchase is subject to the appraisal price, not the market price. Policy, subject to local policies.

(2) The second-hand house with a house under its name is the second suite, and the proportion shall not be less than 30%. corresponding

(3) If there are two houses in the name of the purchaser and they are all repaying normally, after purchasing the second suite,

3. The second-hand housing factor

If the purchased second-hand house is located in a bad location, the housing payment ratio and loan interest rate.

Note: The down payment of second-hand housing loans needs to be analyzed according to the specific situation of buyers and sellers. Of course, it is also directly related to the policy of the city where the purchaser is located and the bank credit policy. It is suggested that the funds in hand are not clear about the specific policies and the seller's situation, so as not to be blind when applying for second-hand housing loans.

Second, how many years can a mortgage lender borrow?

Portfolio mortgage refers to the combination of provident fund loans and commercial loans. You can deduct the provident fund every month, and you can bring relevant information to the loan bank to handle related business, but it is still a provident fund loan.

3. How many years of commercial loans should I borrow to buy a house?

Hello, the commercial loan for buying a house is a short-term loan, at least one year. Compared with long-term loans, the interest paid will be lower, but it is more suitable for well-funded property buyers. If they need short-term turnover, they can use this loan method. Under normal circumstances, the loan period of 15 to 20 years is more appropriate, and the total interest paid is relatively reasonable, which will not have a great impact on the daily living standard. Especially for people with unstable income or low income, it is relatively more cost-effective to extend the loan period. If property buyers can apply for provident fund loans, then the interest required for using provident fund loans to purchase houses is less than that for commercial loans. To sum up, the term of mortgage loan should be comprehensively judged by combining one's own income and one's own situation. The longer the loan term, the lower the monthly repayment, and the shorter the loan term, the higher the monthly repayment. The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!