First, what does zero down payment mean?
Zero down payment means that you can buy a house without paying the down payment, but you need a mortgage. According to the seller's pledge, the seller will return the collateral to the buyer after completing the promise or returning the money. The total house payment is the same, but the down payment is divided into several times or in another form. There is no zero down payment for buying a house now.
2. What is the down payment ratio?
1, down payment ratio of the first suite
The down payment ratio of the loan to buy the first suite is the lowest, above 20%, but it will be affected by the real estate area and loan method. For example, if you buy a house below 90 square meters, the down payment ratio of provident fund loans is 20%, and that of commercial loans is 25%. For houses above 90 square meters, the down payment ratio of provident fund loans is 30%, and that of commercial loans is 35%.
2. The down payment ratio of the second suite
The down payment ratio of the second suite is much higher than that of the first suite, in which the down payment ratio of provident fund loans is 40%, and the down payment ratio of commercial loans is above 50%.
3, three suites down payment ratio
Under the influence of the loan restriction policy, neither personal business loans nor housing provident fund loans can be applied for loans to buy the third suite. Unless a city does not implement the policy of purchasing houses and does not choose loans when purchasing the first two houses, the number of houses with housing loans can be re-identified.
Editor's summary: The above is an introduction to the significance of zero down payment for a house. I hope what Bian Xiao shared can give you some reference. If you want to know more about it, you can pay attention to our Qijia. Com information.