Tianjin is a first-tier city with superior geographical location and developed economy, which attracts many foreigners to buy houses in Tianjin. Housing prices in Tianjin are also relatively high, so many people will choose loans to buy a house. So how much is the down payment for foreigners to buy a house in Tianjin? Next, Bian Xiao will briefly introduce it to you.
1. How much is the down payment for foreigners to buy a house in Tianjin? Mainly depends on whether the house we bought in Tianjin belongs to the first house or the second house, because it is related to the down payment ratio of the mortgage. According to the relevant policies of Tianjin, we apply for a commercial loan to purchase the first house, and the minimum down payment ratio is 30%. We can't apply for a housing loan for more than 25 years.
2. If you apply for a provident fund loan, the area of the first house purchased is less than 90 square meters, and the down payment ratio is 20%; If the purchase area is more than 90 square meters, the down payment ratio is 30%. The maximum loan amount for employees' families is 600,000 yuan.
3. If we buy a second-hand house, the evaluation price of the house will affect the down payment we pay, because banks generally calculate loans according to the evaluation price of the second-hand house. The age and matching of second-hand houses will affect the due evaluation price. Usually, the evaluation price of second-hand houses will be relatively low, so a relatively large down payment is required.
4. For example, if we buy an 80-square-meter house with a total price of 1.2 million, which belongs to the first house, then when applying for a commercial loan, the down payment ratio is 30%, that is, the down payment we need to pay is 360,000. If you apply for a provident fund loan, the down payment ratio is 20%, that is, the down payment to be paid is 240,000 yuan. However, because the maximum amount of provident fund loans is 600,000, we need to prepare a house payment of 600,000. If you apply for a portfolio loan, the down payment ratio is determined according to the principle of whichever is higher, so the down payment ratio is 30%, that is, the down payment to be paid is 360,000 yuan.
Bian Xiao concluded: Regarding the down payment of foreigners buying houses in Tianjin, Bian Xiao would like to make a brief introduction here. I hope that after reading this article, everyone can understand this. If you want to know the down payment ratio of our house, you can also ask the bank staff to help us calculate it.
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