With the improvement of people's living standards, many people want to buy a second house. Compared with the first house, the down payment ratio of the second house will be much higher, so how much down payment do we usually have to pay to buy the second house? Next, everyone will learn about it with Bian Xiao.
First, the central bank stipulates the down payment ratio of the second suite.
According to the latest regulations of the central bank, for families who already own a house but have settled their mortgage, they apply for a provident fund loan to buy a second house again, so the minimum down payment for the second house is 30%. If you already have a house but haven't settled the mortgage, the minimum down payment ratio for buying a second house is 40%. However, cities under provincial jurisdiction can adjust the minimum down payment ratio of housing loans according to the real estate situation and policy requirements.
Second, the down payment ratio of the second suite in each city
1. If you buy a second house in Chengdu 1 1 restricted area, the minimum down payment ratio is 60%. If you buy a second house in Tianfu New District, the minimum down payment ratio is 70%. If you buy a house in a non-restricted area, the minimum down payment ratio is 40%. There are also Changsha, Hangzhou, Tianjin, Ningbo, Xiamen and other places, and the minimum down payment ratio for the second suite is 60%.
2. According to Beijing's latest property market policy, the minimum down payment ratio for purchasing a second ordinary house is 60%, and the down payment ratio for non-ordinary houses is 80%. If you buy a second ordinary house in Shanghai and Wuhan, the minimum down payment ratio is 50%, and the minimum down payment ratio for buying a second non-ordinary house is 70%. At present, the down payment ratio of the second suite is 40%, mainly concentrated in Fuzhou, Taiyuan, Jinan, Xi' an and other regions; Nanjing and Suzhou have the highest down payment ratio for second-hand houses, accounting for 80%.
Bian Xiao Summary: Bian Xiao introduced the down payment of the second house here. To buy a second house, we must first understand the local regulations on the down payment and mortgage interest rate for the second house.
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