What is the down payment ratio for buying a second suite in Huzhou?
1. The mortgage interest rate of individuals buying a second house is higher than the benchmark interest rate 10%, and the down payment is lower by more than 40%. The deed tax payment standard is 3% of the total house price.
2. Reduce the down payment ratio. The down payment for the first suite is 20%, and the restriction linked to the balance is cancelled. Employees can borrow up to 500,000 yuan. First, the continuous deposit time for employees to apply for loans will be reduced from more than 12 months to more than 6 months, and the low down payment ratio for the first suite and the second suite will be reduced from 30% and 50% to 20% and 30% respectively, thus reducing the pressure on employees to buy houses.
3. Second, the restriction that the loan amount is linked to the deposit balance in the employee's account has been cancelled, which effectively improves the actual loanable amount of employees. For example, Jinan currently implements a deposit balance of 15 times, that is, the employee account balance of 10000 yuan, and only loans of 15000 yuan can be made. After the restriction linked to the balance is cancelled, employees can borrow up to 500,000 yuan. The third is to carry out business-to-public loans, allowing paid employees to convert their commercial housing loans into provident fund loans, so that the provident fund loan policy can benefit more paid employees.
Can I buy a second suite in Huzhou with a provident fund loan?
1. You can use provident fund loans. Now you can count two sets, with a down payment of 60%. If it is a pure provident fund loan, the interest rate is the benchmark interest rate!
2. 1. Calculate the provident fund loan amount in the following two ways, with the smaller value as the upper limit, and it shall not exceed the high loan amount of the corresponding grade (1), and the borrower's housing provident fund deposit balance (based on the data of the night before applying for provident fund loan 12) is 10 times. If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit shall be calculated together.
3. For borrowers who meet the conditions of provident fund loans, if their spouses are active servicemen, the loan amount shall be 20 times of the balance of the borrower's housing provident fund deposit. If the borrower or his spouse normally pays the housing subsidies for new employees, the paid housing subsidies for new employees can be combined with the balance of the borrower's housing provident fund deposit to calculate the loanable amount of the housing provident fund.
4. To apply for a housing provident fund loan, the lender needs to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: the applicant's and spouse's housing provident fund deposit certificate; The identity certificate of the applicant and spouse refers to the valid residence certificate and marital status certificate such as resident identity card and household registration book; Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
5, the purchase of housing contracts, agreements and other valid documents; Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor sign a tripartite contract.
The above is the down payment ratio for buying a second suite in Huzhou. Whether the purchase of a second house in Huzhou can use all the contents of provident fund loans, the number of residential housing units in local commercial personal housing loans should be determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children) who are interested in buying houses.