First of all, if it is a pure provident fund loan, the first-hand new house will pay 20% down payment and the second-hand down payment will be 30%. Commercial loans or portfolio loans (commercial+provident fund), regardless of the first or second level, are 30%. Second-hand housing is the only housing that is exempt from two-year tax and five-year double tax. In addition, commercial loans, whether primary or secondary, are subject to deed tax and assessment fee.
Secondly, the down payment ratio of second-hand houses in Hangzhou can be divided into commercial mortgage loans and provident fund loans, as follows: 1. Buying a house with a commercial mortgage loan: 1. The buyer purchases the first house with a commercial mortgage loan, with a minimum down payment ratio of 30% and a loan ratio of 70%; 2. If the buyer purchases two or more houses with commercial mortgage loans, the minimum down payment ratio is 50% and the loan ratio is 50%. 2. Provident fund loan: 1, the buyer purchases the first house with provident fund loan, with the minimum down payment ratio of 20% and the loan ratio of 80%; 2, the buyer provident fund loans to buy two houses, the minimum down payment ratio is 40%, the loan ratio is 60%; 3. The buyer cannot use the provident fund loan to buy more than three houses.
Generally speaking, 200,000 yuan is enough for the down payment of the house in Hangzhou.
What is the process of buying a house in Hangzhou?
1. See if you are qualified to buy a house. Many cities implement the purchase restriction policy, and buyers need to know whether they are qualified to buy a house before buying a house. Generally speaking, buyers with local accounts can buy the first suite locally, while those with foreign accounts need to meet certain requirements of paying taxes or social security.
2. Choose real estate according to your own needs. Property buyers should make a comprehensive measurement and analysis of their consumption demand (purchasing power, location of the property to be purchased, supporting facilities of residential quarters, environment, property management, total price, area, etc.). ), initially determine a housing purchase framework suitable for your actual needs, and then compare it with various real estate information collected to determine several alternative projects.
3. On-the-spot investigation of the project and observation of supporting facilities, first of all, we should know what supporting facilities are in existence or under planning in the community, the delivery date of supporting facilities, and the mode of travel in the community (such as bus and subway). Consult sales staff, buyers should clearly understand the price, delivery time, pool ratio, charging standard of property company and property fee, parking space problem, land use period, etc.
4. After paying the down payment and determining the housing, you usually have to pay a certain down payment. At this time, we should pay attention to whether to pay a deposit or a deposit, in which the deposit is legally binding. In case of breach of contract, the buyer can't get back the deposit, and the developer needs to double the deposit if he breaches the contract.
5, and the deposit is not expressly stipulated in the law, generally refers to a certain amount of money paid in advance, without compensation for breach of contract. If the house has been identified, it is enough to pay the down payment within a certain period of time after paying the down payment. If the market has not yet opened, paying the deposit means that you have the qualification to choose a house on the opening day and need to choose a house on the opening day.
Hangzhou is a very livable tourist city, and the headquarters of Alibaba Group is located in Xixi National Wetland Park. In recent years, with the development of science and technology and economy, Hangzhou has become a new first-tier city, and its development prospects are improving. If you want to stay in Hangzhou, it is necessary to pay attention to housing prices. It is not too difficult to settle in Hangzhou within your own economic scope!