The down payment policy for buying a second home in Wuhan is looser than before. Previously, the housing policy for Wuhan to buy a second home stipulated that the loan interest rate would rise by 10% on the basis of the benchmark interest rate. Now, the policy of buying a second home in Wuhan has been changed to that parents can enjoy a 30% interest rate as long as they meet the conditions of "ordinary self-occupied housing" or "improved housing". How much is the down payment for buying a second suite in Wuhan? If the children at home are all adults, you can enjoy a 30% discount on the interest rate when you buy the first suite in the name of the child, and then compare the discount with the first suite.

After the central government issued the "bailout", on June 5438+ 10, 2008, Wuhan quickly issued the "Several Opinions on Further Promoting the Healthy Development of the Real Estate Market", which stipulated: 1. When financial institutions provide loans for individuals to purchase ordinary self-occupied houses and improved ordinary self-occupied houses for the first time, the lower limit of commercial loan interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the minimum down payment ratio can be adjusted to 20%. At the same time, the interest rate of individual housing provident fund loans was lowered, and the interest rates of all grades were lowered by 0.27 percentage points respectively; 2. Any loan individual who applies for housing provident fund loan to purchase a house for the first time shall be executed according to the down payment ratio of 20%; 3. All the houses purchased by family children 18 years old for the first time can be implemented according to the first set of housing loan policies.

The central bank issued the new mortgage policy 10 on June 27th last year. After that, all the buildings in Wuhan made it clear that buyers can enjoy a preferential interest rate of 0.7 times as long as they buy ordinary houses for the first time, and commercial banks in Jiangcheng are no longer secretive and aboveboard.

Since the person who signed the house purchase contract after June 27th, 2008 can enjoy the preferential interest rate of 30%, can the existing mortgage (commonly known as "old mortgage", which refers to the unpaid part of personal housing loans issued before the new mortgage policy was introduced on October 27th, 2008) enjoy the preferential interest rate of 0.7 times? Various media have widely reported this and put forward various speculations, while buyers with "old mortgages" have been waiting for the implementation of banking policies.

Up to now, Wuhan property buyers can enjoy the preferential interest rate of 0.7 times of housing loans in four cases:

1. Wuhan residents whose per capita living area is less than 28.25 square meters can enjoy a preferential interest rate of 0.7 times if they buy ordinary housing again (the average price is less than 7,000 yuan and the total price is less than 1 10,000 yuan).

Second, those who have settled the previous house loan and then borrowed to buy a house to improve their housing conditions can also enjoy the preferential interest rate for the first suite.

3./kloc-If children aged 0/8 purchase ordinary housing for the first time, they can enjoy a preferential interest rate of 20% discount and 0.7 times down payment according to the first housing loan policy.

Fourth, those who have existing mortgages can enjoy a preferential interest rate of 0.7 times.

(The above answers were published on 20 13-07-24. Please refer to the actual situation for the current purchase policy. )

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