Because the differences in each region are different, the relationship between real estate and provident fund management center is different, so the number of loan layers is different. The general situation of down payment for loan to buy a house is as follows:
1. In the case of one-time housing, the minimum down payment can reach 20% for the purchase of a new house with an area not exceeding 90 square meters.
2. If you buy a house for the second time, the minimum down payment for buying a house is five floors.
3. For three suites, some banks don't give loans. Under normal circumstances, men can bring them to 70 years old, and the longest loan period is 30 years. The requirement is to have a local account or local social security for more than one year, and also to provide proof of income, proof of running water, and no bad records in the bank.
The number of mortgage sets, the actual mortgage interest rate, the mortgage ratio and the mortgage period of the first-hand house are ultimately subject to the approval of the bank (under normal circumstances: the first home loan, the down payment for ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; Three suites are not allowed).
At present, there is a big difference between buying a new house and buying a second-hand house in the calculation of loan down payment. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans. The second-hand housing loan is based on the second-hand housing appraisal price calculated by the professional appraisal institution of real estate appraisal designated by the bank. Generally, the evaluation price of second-hand houses is lower than the market price. Appraisal prices are mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.
First-hand housing down payment calculation method:
Down payment = total house price-customer loan amount
Loan amount = contract price (market price) ×80% (up to 80% for the first loan)
Second-hand housing down payment calculation method:
Net down payment = actual transaction price-customer loan amount (net down payment: excluding state taxes and intermediary service commission)
Loan amount = appraised price of second-hand house ×80% (the first loan amount can reach 80%).
The loan amount can be estimated according to the contract price ×85%, and the approximate evaluation price can be estimated.
At present, the state stipulates that the total house price can be 20%, and commercial loans and provident funds can be more than 20%. However, the bank will review the personal credit for loans, but it needs to pay attention to help them check. Don't pay 20% down payment. If you can't get the loan, you have to make up 30%. If you are a civil servant, you can pay less down payment and more loans.
What is the minimum down payment for buying a house?
When buying a house, the buyer takes the form of a loan, and it is necessary to determine the total price and down payment of the house. The total price MINUS the down payment is the loan money. The down payment is not allowed, so the buyer must have some cash on hand, usually 30% down payment. If you have more than 30% down payment, you can also give cash. The reason for this is to reduce the amount of money you borrow, because loans need interest, so in terms of the total amount, the more cash you give, the less loans you get. Of course, it depends on your own situation. The down payment for buying a house is generally:
1, the lowest mortgage interest is the provident fund loan.
2. First-time buyers, the down payment is above 30%. The down payment for the second home purchase is over 40%.
3. According to the local policy, the down payment is 20%.
4. The monthly payment depends on how many years the loan is.
The following is a down payment list for buying a house in Beijing and Shanghai:
The down payment for buying a house in Shanghai can be divided into:
1. Take the first suite as an example, the minimum down payment for a new house with a purchase area of not more than 90 square meters can reach 20%;
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%.
The down payment for buying a house in Beijing is generally:
1.90 m2 is 80% of the first set of loanable appraisal price, 50% of the second set of loanable appraisal price below 90 m2, and the third set can now be loaned up to 4.5. 70% of the first loan 1 1.90 square meters or more. 50% for two sets over 90 square meters and 4.5% for three sets over 90 square meters.
From the two special cases of Beijing and Shanghai, we can see that although there are differences in loans in each region, the relationship between real estate and provident fund management centers is different, and the number of loan layers is different. Basically, there are fixed values to calculate the loan amount, and the loans are guaranteed by the national system. Therefore, lenders can reduce the psychological risk of loans. Under the national guarantee, I believe that the mortgage borrowers in China will be happy.
1. How much can the provident fund borrow to buy a house?
1, (individual contribution/individual contribution ratio -400)/ repayment coefficient per 10,000 yuan;
2. The higher one can be loaned to 80% of the appraised value of the purchased house;
3. The general loanable amount is 800,000 yuan. If the credit rating is AA, it can be as high as 920,000 yuan, and AAA can be as high as10.04 million yuan.
The above three articles also limit the higher loan amount of provident fund loans. When there are differences between them, the lower loan amount shall prevail.
Second, how much is the down payment for buying a house provident fund?
The down payment ratio of housing provident fund loan refers to the ratio of the house purchase price paid by the buyer to the seller in advance to the total house price. The down payment for the house purchase is needed by the family, and the gap can be applied for a loan to complete the full purchase.
Under normal circumstances, deducting the down payment from the house price is equal to the loan amount. If the down payment ratio is higher, the threshold of housing loan will be higher. At present, the down payment ratio of provident fund loans in our city is 30% for existing houses and mortgaged commercial houses, and 40% for second-hand houses.
Tips for housing provident fund loan to buy a house
1, housing provident fund loan down payment description: provident fund cannot be directly used as down payment for buying a house. Citizens need to pay the down payment first, and then go to the housing provident fund management core to withdraw the storage balance in their own provident fund.
2. The loan amount of housing provident fund is a higher loanable amount calculated according to the balance of housing provident fund account:
The calculation formula is: (balance of provident fund account+monthly contribution of provident fund ×2× to statutory retirement months) ×2.
3. The loan amount of housing provident fund is calculated according to the maximum loan amount:
If one person applies for a housing provident fund loan, the higher loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the higher loan amount is 800,000 yuan.
4. The total withdrawal of housing provident fund cannot exceed the total purchase price.
5. After the housing provident fund loan is settled, you can use the provident fund to buy a house. Whether before marriage or after marriage, one of the husband and wife has applied for provident fund loans, which will be recorded in the system. If the provident fund loan for the first suite has been settled, it is still regarded as the first time for both husband and wife to buy a house with the provident fund loan.