Nowadays, in order to raise housing prices, Shanghai has introduced the policy of buying two suites to increase the possibility of buying a house, thus maintaining the balance of housing prices. So what are the down payment policies for the second suite in Shanghai, and how to enjoy the policies when buying a second suite? Do you know that?/You know what? Now let's have a look.

1. What are the down payment policies for the second apartment in Shanghai?

1. If you use a commercial loan to purchase a second suite, the down payment required shall not be less than 50% of the appraised price of the house, and the loan shall not be higher than 50% of the appraised price; 2. If you use the provident fund to buy a second suite, the down payment you need to pay shall not be less than 40% of the appraised price of the house, and the loan shall not be higher than 60% of the appraised price.

Second, how to enjoy the policy when buying a second suite

How does 1 plus 2 suite become the first suite?

(1) If you own a house, you can pay off the house loan before buying it. At this time, it can be regarded as buying the first suite, but this method is only suitable for areas where loans are not recognized, and you need to know the local policies.

Sell your old house, and there will be no real estate in your name. If you buy a house at this time, it will belong to the first suite. However, this method is suitable for areas that recognize housing but not loans.

2. What are the advantages of turning the second suite into the first suite?

We all know that the down payment for buying the first suite will be lower, which can reduce the pressure on buyers. And you can enjoy a 20% discount on the loan interest rate.

(2) For example, if you need a loan of 6,543.8+0,000 yuan to buy a house and the loan term is 30 years, you can enjoy a 15% discount, that is, the interest generated is about 750,000 yuan, while the interest required to buy a second suite is about 6,543.8+0,200 yuan, with a difference of more than a little.

What are the down payment policies for the second suite in Shanghai, and how to enjoy the policies when buying a second suite? Here is a brief introduction. You got it? When buying a second house in Shanghai, depending on the nature of the loan, the down payment is different, so you need to know clearly when buying a house.

What is the interest rate of Shanghai commercial loan second suite?

The average interest rate of the second home loan in Shanghai is 5.37%.

Shanghai second suite identification standard:

1. Loan to buy a set, the house registration system can find the property, and you can buy a second set again; I bought a set with a loan. After I sold the house, I couldn't find the real estate, but the loan record can be found in the bank credit information system. There are two sets of loans to buy a house.

I bought the house in full. House registration can't be found after sale. Buying a house with a loan is not a second house; I bought the house in full. The house registration system can be found. Buying a house with a loan is the second set.

3. If the buyer does not have the conditions for housing registration and inquiry, after investigation and verification by the bank, the buyer already has a house, and then buying a house is the second set.

Parents buying a house in the name of minor children is the second suite. Property under the name of minors, adults buy a house is a second suite.

5. I have purchased the house in full under my own name, and then borrowed to buy the second suite; There is a loan to buy a house under the name of the individual, and then the loan to buy a house is the second suite after the sale.

6. Buy a house with a commercial loan for the first time and a house with a provident fund loan for the second time.

7. One party borrows money to buy a house before marriage and applies for a loan to buy a house in the name of the other party after marriage, but the accounts are not counted as two suites together; After marriage, both parties borrow money to buy a house, and after divorce, one party applies for a loan to buy a house, which counts as a second suite.

8. If the per capita family area is less than 33.4 square meters, buying a second house is an improved house, not a second house. On the contrary, if the per capita area is more than 33.4 square meters, buying a house is considered as a second suite.

Shanghai's second home loan policy

1. natural person with age 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed), and the actual operating age should be between 22 and 65 years old. Too young or too old to be approved. 2. The borrower's actual age plus the loan application period shall not exceed 70 years old. 3. The longest loan period shall not exceed 30 years, and the longest loan period for commercial housing shall not exceed 10 year. 4. Both rural hukou and collective hukou can apply for housing mortgage loans. The down payment for the first commercial house with the first home loan (with a property right of 70 years) is 20% (20%) of the total purchase price or assessed value (whichever is lower). The down payment for commercial real estate (40-year or 50-year products) is 50% (50%) of the total purchase price or the appraised value (whichever is lower). A family with a second home loan consists of three kinds of people, i, spouse and minor children. As long as a family has an outstanding mortgage, it is called a second loan to buy a house. In order to improve their living conditions, a pair of families who own/kloc-0 apartments and have settled the corresponding housing loans apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy. In the second case, households that already own a commercial mortgage loan 1 apartment and the corresponding housing loan has not been settled, in order to improve their living conditions, apply for a commercial personal housing loan again to buy ordinary self-occupied housing, and the minimum down payment ratio is adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability. Reminder: If you buy a second-hand house, you need to evaluate the house purchased before the loan, and the evaluation value will be lower than the market transaction price, so the specific amount of down payment shall be subject to the price of the evaluation value. Provident fund loans 1 housing families, in order to improve their living conditions, apply for provident fund loans again to buy ordinary self-occupied housing, and the minimum down payment ratio is adjusted to 20%. Beijing, Shanghai, Guangzhou and Shenzhen can independently stipulate the minimum down payment ratio of the second set of provident fund loans. Reminder: There are restrictions on the maximum loan amount of provident fund loans in various regions. For example, the maximum loan in Beijing is 1.2 million. Therefore, in the calculation of down payment, it is necessary to make a comprehensive judgment according to the specific loan amount. At the same time, if the loan amount is not enough, cities that can use provident fund portfolio loans, it is best for everyone to buy a house by means of provident fund portfolio loans. Third home loan banks and provident fund management centers do not accept third home loans.

20 19 what are the policies for the second suite in Shanghai?

20 19 what are the policies for the second suite in Shanghai?

1. For families who purchase a second home by loan, the down payment ratio of the second home is not less than 70%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate; 2. The deed tax on the appraised price of the second suite is 1% if the area is less than 90 square meters, and1.5% if the area is 90- 144 square meters; 3. To buy a second ordinary house, the down payment ratio of commercial loans shall not be less than 50%, and the down payment ratio of non-ordinary houses shall not be less than 70%.

What are the criteria for determining the second suite?

1. If there is a house in the name of parents, buy a house in the name of minor children.

Detailed explanation: According to the new policy, family members, including borrowers, spouses and minor children, apply for loans to buy houses again in the name of minor children, which is implemented in accordance with the second suite policy.

2. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult.

Detailed explanation: according to the bank's policy of "recognizing loans and houses", if you have a property under your name when you are a minor, you must borrow again to buy a house when you are an adult, which must be implemented in accordance with the second suite policy.

3. If there is a house bought in full under the name of the individual, then buy a house with a loan.

Detailed explanation: although the person who has bought a house in full under his name has never borrowed money, as long as he can find out that there is a property under his name in the housing property rights trading system and apply for a loan again, he will be recognized as a second suite.

4. Individuals have a loan to buy a house, and then use the loan to buy a house after the sale.

Detailed explanation: At present, banks "recognize housing and loans". Although there is no house under the family name after the property bought by the loan is sold, it is considered as a second suite to apply for a mortgage again because of the previous loan record.

5. Use commercial loans for the first purchase and provident fund loans for the second purchase.

Detailed explanation: Now the provident fund loan policy is relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, he has never used a provident fund loan before, and the first application for a provident fund loan is also considered as a second suite.

Bian Xiao concluded: The above is the relevant content of the Shanghai Second Suite Policy. I believe everyone understands! Nowadays, many families have good economic conditions, so more and more people buy two suites, but buying two suites is conditional.

How much is the down payment for the second suite in Shanghai?

Many people don't know much about the first and second suites. Because the interest rate of the first home loan has dropped, it will be more cost-effective to buy the first suite. But if you want to buy a second house, you won't enjoy the benefits of low interest rates. So, how much is the down payment for the second suite in Shanghai? What is a second house? Let's take a look with Bian Xiao.

1. How much is the down payment for the second suite in Shanghai?

1. In the past, it was stipulated that individuals should pay 1% deed tax when purchasing ordinary houses below 90 square meters. If there is a house under the parents' name, it is the first time for a child to buy an ordinary house below 90 square meters in the name of a minor child, but it belongs to the second house of the family and needs to pay a deed tax of 3%.

2. Now the new regulation is the tax collection organ, and it is necessary to inquire about the deed tax records of taxpayers. If there is no record or there is doubt about the record, the housing management department can make an inquiry through the housing registration system according to the taxpayer's application or authorization, and issue a written inquiry result.

Second, what is the second house?

1. If you own a house in the name of your parents and buy a house in the name of your minor children, it is a second house. If there is a property under the name of a minor, and he borrows money to buy a house when he is an adult, it also belongs to the second house. A house purchased in full in the name of an individual is also a second house if it is loaned to the buyer again. If you have a loan to buy a house under your name, you have settled the loan before buying a house with the loan, which is also the second house.

2. If you buy a house for the first time with a commercial loan, you will buy a house with a provident fund loan, which is also a second suite. If one party borrows money to buy a house before marriage and applies for a loan to buy a house in the name of another person after marriage, but the two accounts are not together, it also belongs to the second house. If two people get a loan to buy a house after marriage, and one of them applies for a loan to buy a house again after divorce, it also belongs to the second house.

Editor's summary: how much is the down payment for the second suite in Shanghai? What is a second house? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

This is the introduction of Shanghai's second-home loan and the end of the second-home loan down payment. I wonder if you have found the information you need?