1.Xi What is the down payment ratio of the second suite?
1. Residents who already own a housing area of 90 square meters or less in Xi 'an: if they buy a second house area of 144 square meters or less, the down payment ratio of commercial loans shall not be less than 40%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 50%.
2. Households with household registration in Xi City who have a housing area of 90 to 144 square meters (including 144 square meters): if they buy a second house with an area of 144 square meters or less, the down payment ratio of commercial loans shall not be less than 50%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 60%.
3. Households with household registration in Xi City who already have a housing area of 144 square meters or more: if the second housing area is 144 square meters or less, the down payment ratio of commercial loans shall not be less than 60%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 70%.
4. In the case of meeting the requirements of the above down payment ratio, if the commercial loan for residential housing is not settled, the down payment ratio shall not be less than 60%.
2. What is 2.Xi 'an's purchase restriction policy?
1, foreign household registration buyers need to provide personal income tax or social insurance certificates for more than 2 years (including 2 years) before they can buy a house in Xi 'an restricted purchase area. However, if the property buyers meet certain conditions, they can implement the same policies as the registered residents in this city.
2. It is regarded as the implementation of relevant purchase policies for households with household registration in this Municipality, including households with collective household registration in this Municipality or households with household registration in Xixian New Area; If the household registration is moved out because of schooling, you can provide relevant certification materials of the original household registration; Servicemen stationed in Shaanxi can provide certificates issued by units at or above the regimental level; Before joining the army, the household registration belongs to the active servicemen in this province and can provide the original household registration certificate; Servicemen who meet the resettlement conditions of retired soldiers in this city.
3. When buying a house, there is no need to provide personal income tax or social insurance certificates for all kinds of talents who meet the relevant conditions of Xi's Policies and Measures for Deepening the System and Mechanism of Talent Development and Reforming the Highland of Talents. With the corresponding certification materials issued by the talent introduction unit, you can go through the purchase procedures.
4. Households who have moved into the household registration from outside the city (except for demobilized veterans and their families who have settled in the army) should purchase commercial housing or second-hand housing in the housing restricted area of this city, and should settle down for 1 year, or pay social insurance (or personal income tax) for 12 months continuously in this city.
3. What are the conditions for buying a house with Xi 'an loan?
1, with valid ID card and proof of marital status;
2. Good credit record and willingness to repay;
3. Have a stable income;
4, the purchase of commercial housing sales contract or letter of intent;
5. Have the ability to pay the down payment of the purchased house;
6. Open a personal settlement account in a bank with effective guarantee.
To sum up, the down payment ratio of the second suite stipulated by Xi 'an cannot be generalized, and it should be determined according to the area of the first suite and the second suite. For example, the area of 1 suite is 144 square meters. If the area of the second suite purchased is still more than 144 square meters, the down payment ratio should be at least 70%.