1. Since June 2022 1 day, the down payment ratio of provident fund loans has been lowered 10%. If Chengdu buys a second house and applies for a provident fund loan, the minimum down payment ratio will be adjusted from 40% to 30%.
2. If Chengdu buys a second house and applies for a commercial loan, the minimum down payment ratio is 40%.
What if the down payment ratio of the second suite is not enough? 1. Use provident fund: At present, most of my friends have paid personal provident fund. If you pay too much personal provident fund, you can consider subsidizing the down payment with the provident fund when the down payment is not enough. However, it should be noted that if the provident fund loan is used, it is necessary to pay attention to the time difference of withdrawing the provident fund so as not to affect the provident fund loan. Property buyers can withdraw the balance from the provident fund account, but they should pay attention to the conditions for withdrawing the provident fund, which can also solve the urgent need.
2. Handling mortgage loans: In addition to mortgage business, banks can actually handle mortgage loans now. If the buyer has other assets recognized by the bank, such as other properties, he can mortgage the existing properties to obtain funds, and then use them to pay the down payment. This is a very common way. Usually, the amount of mortgage loans is very high.
3. Ask for help from parents: Nowadays, young people are still under great pressure. If they encounter difficulties in buying a house, they can also try to ask their parents for help. Although everyone should not ask their parents for money after coming out to work, they can borrow some from their parents if the down payment is not enough when buying a house.
4. Re-choose a house: If it is really not possible, buyers can only change their purchase goals and try to reduce the cost of buying a house, so that the down payment will also be reduced. The amount of down payment has a lot to do with the house you choose. If the above methods can't help everyone, then everyone can only consider buying a smaller house or a house with a slightly worse location, which can save the cost of buying a house and the down payment.