We know that there are some down payment ratios in many places now. For example, the ratio of the first suite to the second suite is still relatively large, so you must know clearly in advance before buying. The following small series will introduce you to the down payment ratio of the second suite in Shenyang.

What is the down payment ratio of Shenyang second suite?

1. According to the provisions of China's tax law, taking the house purchased by loan as an example, before the first loan is paid off, the down payment ratio of the family loan for purchasing the second house is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate.

2. The down payment ratio of the second set of housing provident fund loans will be increased, and the purchase of second and above commercial housing will not be listed and traded until five years from the date of online signing of commercial housing contracts.

What are the preferential policies for the first home loan in Shenyang?

1 First of all, according to the regulations of the People's Bank of China, urban residents in China enjoy preferential mortgage interest rates when purchasing the first home; However, you must know that people who buy the first suite must also meet these three conditions. For example, if the buyer is 18 years old, the house he bought is an ordinary house below 90 square meters (the ordinary house below 90 square meters enjoys the preferential deed tax rate of 1%).

2. If there is no house purchased alone or with others under the name of the purchaser, except the house purchased with parents, it is also purchased according to the housing reform policy at this time and obtained through inheritance or demolition and resettlement.

3. According to the national preferential policies, for example, the first suite can enjoy a 30% discount on the down payment. However, this year, the central bank continuously raised the bank deposit reserve and interest, so the amount of bank loans at the end of the year was limited. Now it is even more difficult to get a 30% discount on the down payment, which is generally less than 40% at the end of the year.

Summary: The down payment ratio of the second suite in Shenyang is so much. Be sure to know the relevant local policies before paying the money, so as to know whether you meet the conditions for buying a second suite.