First, the down payment ratio
1, commercial loan
① The low down payment ratio of households who purchase ordinary housing for the first time and apply for commercial personal housing loans is 20% times.
② Residents who own 1 apartment and have outstanding housing loans apply for commercial personal housing loans to buy ordinary housing again in order to improve their living conditions. The down payment ratio is as low as 30%, and the lower limit of the loan interest rate is 1. 1 times of the benchmark interest rate.
According to the borrower's credit status and repayment ability, etc. , reasonably determine the down payment ratio and loan interest rate level.
2. Provident fund loans
① First suite: the proportion of self-raised funds is not less than 30% of the total house price, but the proportion of self-raised funds can be reduced to 20% if the construction area is less than 90 square meters (inclusive).
② Second suite: the proportion of self-raised funds shall not be less than 60% of the total house price.
Second, the purchase tax
Before buying a house, it is helpful to know how much tax you have to pay before buying a house. Many people only consider the down payment when buying a house, ignoring the deed tax, maintenance funds and the need to pay property fees when buying a house, which leads to the need to pay money. When they find that there is not much money, they start to worry. Therefore, when buying a house, you must know the relevant expenses of the house to avoid unnecessary panic.
Third, is it reliable for Dalian real estate developers to launch a zero down payment promotion policy?
1, Dalian property buyers pay the deposit within a certain period of time. Developers will also charge a certain fee, most of which is zero, and developers will require buyers to repay all mortgages within one year. Dalian's zero down payment is not for buyers to pay down payment, but for developers or real estate agents to pay, which may be a false increase in housing prices and a down payment from banks.
It is important that buying a house in Dalian does not conform to the consistent policy of the state and banks. Accept zero down payment; Customers who purchase houses, and they are bank loans, if they accept zero down payment when they start business, they do not strictly follow the State Council's policy requirements of not less than 30% down payment for the first home loan and not less than 60% down payment for the second home loan, which violates national policies.
3. At the same time, because the lender does not actually pay the down payment, it does not really have all the rights to buy a house, and bank loans will increase the risk of bank loans.
How much is the down payment for buying a house in Dalian? The above article has been introduced to you. Friends who want to buy a house in Dalian should pay the down payment according to the national policy. Don't choose these houses with zero down payment to avoid unnecessary risks.