What is the down payment ratio of the first suite in Beijing?
1. In cities that do not implement the "purchase restriction" measures, the commercial personal housing loan for ordinary housing is purchased by households for the first time. In principle, the low down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the low down payment ratio should be adjusted to not less than 30%.
2, for the implementation of the "purchase restriction" measures of the city, the individual housing loan policy is still in accordance with the original provisions.
3. Banking financial institutions should reasonably determine the specific down payment ratio and interest rate level according to the requirements of low down payment ratio determined by the provincial market interest rate pricing self-discipline mechanism, the institution's commercial personal housing loan placement policy, risk prevention and control and other factors, and the borrower's credit status and repayment ability.
What are the preferential policies for the first home loan in Beijing?
1. The People's Bank of China stipulates that urban residents in China can enjoy preferential mortgage interest rates when purchasing the first home. However, the buyer of the "first suite" must meet three conditions at the same time: the buyer's age is 18 years old, the house purchased is an ordinary house of 90 square meters or less (the ordinary house of 90 square meters or less enjoys the preferential tax rate of deed tax 1%), and the buyer has not purchased it by himself or with others at present.
However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded.
2. After purchasing the first suite, the purchaser will enjoy the following benefits: for households with a set of housing and the corresponding housing loan is not settled, the low down payment ratio will be adjusted to not less than 40%.
Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing with a low down payment of 20%; Families who own a house and have settled their loans apply for housing provident fund again, and the down payment is as low as 30%. So this is why many people try to talk about the house they are going to buy and apply to be the first suite.
Friends in Beijing can pay the down payment according to their own economic strength. If their financial strength is better, they can pay more down payment appropriately. The above is Bian Xiao's introduction about the down payment ratio of the first suite in Beijing. What are the preferential policies? I hope it will be helpful for friends in Beijing to apply for down payment.