First, how to identify the first two sets of second-hand houses?
3 17 New Deal redefines the identification standard, down payment ratio and loan life of the first two sets of commercial loans. The first two sets of recognition criteria: "recognize the house and recognize the loan".
Recognize the house: recognize the house in Beijing; Loan recognition: recognize national loans (commercial loans+provident fund loans)
Policy changes of commercial loan purchase
The first set: there is no residence under the name of Beijing, and there is no record of housing loans nationwide.
Two sets: Beijing housing and national housing loan records. In other words, those who have a house in Beijing, or have no house in Beijing but have a record of commercial loans or provident fund loans nationwide, are all identified as two sets.
note:
(1) loans settled are also recorded.
(2) Buying a house with a loan within one year after divorce is counted as two sets (including commercial loans and provident fund loans). The specific banking rules have not yet been announced. Have a divorce record within one year. Most banks mean that the divorce time is after 2065438+March 23, 2007. Some banks will consider the online signing time, which is subject to the actual policy of the bank.
For example:
Xiao Wang bought a house in Yanjiao with a commercial loan, and the loan has been settled. Then, buying a house in Beijing is considered as "two sets".
Second, how to distinguish ordinary houses from non-ordinary houses?
Meet the following three criteria, that is, usual residence, and vice versa.
1. The plot ratio is above 1.0 (inclusive);
2. The building area is below140m2 (inclusive);
3. Either the unit price does not exceed the maximum limit or the total price does not exceed the maximum limit.
Standard table of unit price and total price of ordinary houses
Standard for unit price and total price of ordinary houses
Note: Public houses are generally ordinary houses, but most banks are ordinary houses for public houses over 140 square meters, and each bank is different.
Third, give an example to calculate.
Single Xiao Wang has no house and no loan in Beijing, but he has a house in Hebei and the loan has not been paid off (the credit report only shows the record of this housing loan). Now he is going to buy an ordinary house of 60 square meters between the Fifth Ring Road and the Sixth Ring Road. The online signing price is 3.7 million (the evaluation price > the online signing price) and the transaction price is 4 million. What is the minimum down payment?
Calculation formula of minimum down payment for second-hand houses
Minimum down payment of second-hand house = transaction price-online signing price × loanable amount (evaluation price > online signing price)
Can be analyzed from the above:
Xiao Wang has a loan record, so buying a house in Beijing counts as two sets, and it is an ordinary house. The minimum down payment is:
400-370× (1-60%) = 2.52 million yuan.
Second-hand housing down payment is not only related to the first two sets, but also related to whether the house is ordinary or non-ordinary