1, loan amount
New houses are generally calculated by multiplying the total house price by the corresponding down payment ratio. According to the current loan policy, the first suite can be as high as 70-80% of the total house price. Although the loan policies enjoyed by second-hand houses and new houses are basically the same, the loan amount of buyers will be lower due to the influence of evaluation price and house age.
Second-hand housing loan amount = appraisal price-appraisal price × down payment ratio;
Second-hand house net down payment = transaction price-loanable amount.
For example:
① If the minimum down payment ratio of this city's credit policy is 30%, the down payment is 300,000, and the loanable amount is 700,000.
② Buy a set of second-hand houses with an estimated price of 654.38+00,000 yuan, with an estimated price of 900,000 yuan. The minimum down payment ratio of this city's credit policy is 30%, the loanable amount is 900,000-900,000× 30% = 630,000, and the down payment is 6,543,800+0,000-630,000 = 370,000.
2. Term of loan
The loan cycle of new houses is long, while that of second-hand houses is relatively short. In most cities, the maximum loan period for new houses is 30 years, but due to age restrictions, the loan period for second-hand houses is lower than 30 years in many cases. The older the second-hand house, the shorter the loan period. If the purchased second-hand house is over ten years old, the loan period is generally 20 years. If the house is over 20 years old, the bank will even refuse the loan.
3. Trading method
New houses mainly deal with developers. Second-hand housing is generally entrusted to an intermediary to conduct transactions, that is, buyers and sellers, intermediaries and other three parties to conduct transactions. Second-hand houses also have their own trading methods, that is, transactions are not conducted through intermediaries. In the second-hand housing transactions that need attention, buyers had better protect their funds through fund supervision.
4, taxes and fees
The new house needs to pay deed tax, house maintenance fund, one-year property fee and heating fee. Second-hand housing needs to pay deed tax, personal income tax, loan guarantee fee, agency fee and other major expenses.