The new down payment policy for the first suite is as follows: According to the national regulations, as long as the family is the first suite, the down payment shall not be less than 30% of the total house price, with bachelor degree or above or intermediate professional and technical qualifications, and the male is under 50 years old and the female is under 45 years old, which is not subject to 1 year social security restrictions. If the social insurance premium of Foshan is paid within 1 month at the time of application, you can apply for points to enter the household according to this method, or you can apply for points to enter the household in Foshan. Housing loan conditions: 1, and the applicant is 18-65 years old and above; 2. Have a stable working income and economic source, and require income to be twice or more than the monthly mortgage repayment. Both the applicant and the spouse should have good credit status. Especially in terms of credit and liabilities, don't have serious overdue records or high debts, otherwise it will affect the issuance of loans. Generally speaking, in addition to the general conditions, it is necessary to prepare materials to prove repayment ability and repayment credit. Then go to the bank to apply for a loan with the down payment receipt and materials, and then lend money after approval. 202 1, the down payment ratio of provident fund loans for purchasing the first suite is 20%, and the down payment ratio of commercial loans is 30%. The minimum down payment ratio of the second suite is adjusted to not less than 40%, that is, 40%. Under normal circumstances, the housing loan can reach 70% of the housing appraisal price, but it is worth noting that the housing appraisal price is lower than the market price. According to the provisions of Article 13 of the law "Regulations on Household Registration in People's Republic of China (PRC)", when citizens move, they should declare their migration registration to the household registration authority, and submit their migration certificates within three days in the city and ten days in the countryside. Citizens who have no migration documents shall report to the household registration authority where they move in with the following documents: 1. Demobilized, transferred to other jobs and veterans shall show their certificates issued by military service organs at the county or city level or above the regiment level; 2. Overseas Chinese and returned students should show their passports or entry certificates of the People's Republic of China; Three, released by the people's Procuratorate or the public security organ, with the release of documents issued by the organ.
2. 202 1 down payment for the first suite in Kunming?
Kunming buys the first commercial mortgage loan for commercial housing, and the minimum down payment is not less than 20%.
According to the housing loan policy of Kunming, the longest commercial housing mortgage loan in Kunming can only be borrowed for 30 years, the minimum down payment for the first commercial housing mortgage loan is not less than 20%, the minimum down payment for the second commercial housing mortgage loan is not less than 45% in the five districts of the main city, and it is not less than 30% in Songming, Jinning and Anning. The third commercial housing mortgage loan is suspended.
3. How much is the down payment for buying a suite in Kunming?
Down payment ratio of real estate: the average price drops slightly 18000 or so, and the down payment is 30%.
Now the down payment can be divided into:
1. In the case of the first suite, the minimum down payment can be 20% for the purchase of a new house with an area of not more than 90 square meters;
2. In the case of the second suite, the minimum down payment for purchasing the property is 60%;
3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price;
4. In other cases, the minimum down payment is 30%.
4. What is the minimum down payment for buying a suite in Kunming?
It depends on the bank and where you buy a house.