The new down payment policy for the second suite 2022 is as follows:

1. At the same time, the central bank also stipulates that the second suite will be paid to employees' families to purchase two sets of ordinary self-occupied houses by using the housing provident fund entrusted loan, and the low down payment ratio of the second suite will be 20%; Workers' families who own 1 house and have settled the corresponding housing loans, in order to improve the living conditions of the second suite, apply for housing provident fund entrusted loans to buy two self-occupied houses again, and the low down payment ratio of the second suite is 30%.

2. Specifically, the second-home loan policy is: for families who borrow money to buy a second home, the down payment ratio of the second home is not less than 70%, and the interest rate of the second home loan is not less than 1. 1 times of the benchmark interest rate.

3. Deed tax for the first house of the buyer whose second suite area is less than 90 square meters: 65438+ 0% of the evaluation price of the second suite; The area of the Buyer's second suite is more than 90 but less than 144 m2: 65438+ 0.5% of the appraised price of the second suite.

4. If the price of the second suite is higher than the market guidance price in this region, and the area of the second suite is greater than or equal to 144 square meters, the buyer of the second suite is not the deed tax of the first two houses or the deed tax of more than two houses: 3% of the appraised price of the second suite.

What are the policies for Shanghai commercial loans to buy a house?

If a resident family purchases the first set of housing (that is, there is no housing in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.

If you already own 1 apartment in this city, but have no room in this city but have a record of commercial housing loan or provident fund housing loan, you can buy ordinary self-occupied housing, and the down payment ratio of commercial loans is not less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.

How much is the down payment for the second suite of commercial loans?

Many friends who have houses want to know how much is the down payment for the second suite of commercial loans? In fact, we all know that the standards implemented in different regions are not the same. Next, let's introduce the down payment situation of the second suite of commercial loans in various places.

To put it simply, the minimum down payment for the second suite of commercial loans in non-first-tier cities is 30%, and the down payment for the second suite of commercial loans in first-tier cities is generally not less than 50%. Although the central bank has issued the minimum down payment ratio standard for the first suite and the second suite, the implementation in various places is not necessarily in accordance with the minimum standard, and the situation is different. Moreover, under what conditions to buy a house is to buy a "second suite" and under what conditions to buy a house is to buy a "first suite". The regulations in various places are very complicated, and the official expression semantics are not very clear.

In the same city, we already have a suite. If we want to buy another suite, we will buy two suites. There are also some people who buy a house, although they have a suite, but buying a house again is also considered as buying the first suite: 20 16 years. The central bank stipulates that for families who own/kloc-0 apartments and have settled the corresponding housing loans, in order to improve their living conditions, they will apply for loans again to buy ordinary commercial housing, and banking financial institutions will implement the first suite loan policy.

Details are as follows:

The down payment ratio of the first suite in non-first-tier cities: in principle, the minimum down payment ratio is 25%, and all localities can drop by 5 percentage points, that is, the minimum is 20%.

The down payment ratio of the second suite in non-first-tier cities: not less than 30%.

The down payment ratio of the second suite in first-tier cities: generally not less than 50%.

Specifically, the down payment ratio and expected annualized interest rate of the first and second suites in cities such as Beijing, Guangzhou and Shenzhen are as follows:

How much is the down payment for the second home loan?

Some families will buy a second suite because they have a large population or don't want to live with the elderly. Buying a second suite, the loan amount, loan term and loan interest rate are different from those of the first suite. How much is the down payment for the second home loan? Let's take a look with Bian Xiao.

How much is the down payment for the second home loan?

1, the second suite is purchased in the name of the buyer, and the down payment for the second home loan is the down payment for the second home loan. In order to carry out macro-control over housing and prevent people from buying houses by speculation, the state has adopted the relevant policies of second-home apartment, thus reducing the speculation of real estate to a certain extent and curbing the unhealthy development of the real estate industry.

2. For the first family (including the lender, spouse and minor children) with a housing area of more than 90 square meters, the down payment of the loan shall not be less than 30% of the purchase price; For families (including lenders, spouses and minor children) who buy a second home, the down payment of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the loan to buy the third and above houses, the down payment ratio and loan interest rate will be greatly increased. This is decided by commercial banks according to the principle of loan risk management.

3. According to the recent adjustment of mortgage policy, the loan ratio and loan interest rate of the second suite need to be further improved, that is to say, under the new mortgage policy, the down payment ratio of the second suite will be increased.

4. The survey shows that the down payment ratio of the second home will be raised from 60% to 70% in the future, and the loan interest rate will be raised to 1.3 times.

5. The loan interest rate of the second suite must be much higher than that of the first suite. If the provident fund loan is used, the interest rate of the second home loan will rise 10% on the basis of the benchmark interest rate of the first home loan.

6. The loan amount of the second suite will be much lower than that of the first suite. According to the new policy of our country, the maximum amount that the first home lender can borrow is 70% of the purchase price, with a down payment of 30% and a minimum down payment of 20% for provident fund loans. The second-home lender can only borrow up to 60% of the purchase price, and the down payment needs to pay at least 40%. The specific loan amount is also related to the qualifications of the lender.

7. To purchase a second house with a loan, the first loan must be no less than 60%, and the loan interest cannot be less than 1. 1 times of the benchmark interest rate. If you want to borrow 6,543,800 yuan and pay it off within 20 years, then the monthly payment is 7,879.5 yuan, and the total interest to be paid in 20 years is 724,004 yuan. If the loan term is 30 years, the monthly payment is 6794.7 yuan, and the total interest to be paid in 30 years is 1084504 yuan.

8. If the down payment ratio of the second apartment is 70%, the loan interest rate rises to 1.3 times, the loan interest rate is 8.52%, and the loan amount is 1 million yuan, then the loan ratio will increase to 8,690.9 yuan/month in 20 years, and the total interest to be paid in 20 years will be 855,550 yuan. If the loan term is 30 years and the monthly payment is increased to 7703.3 yuan/month, the total interest to be paid in 30 years is 12 157550 yuan.

The related policies of the second suite and the first suite are different, and the taxes and down payment paid by the second suite are also very different. The above content is about the down payment of the second home loan. Friends who want to buy a second house can learn more about it.

What is the down payment ratio of personal second home loan?

With the continuous rise of housing prices, in order to curb the rise of housing prices, the international community has implemented the policy of restricting the purchase of second suites in many cities across the country, thus curbing the rise of housing prices to some extent. So what is the current down payment ratio of personal second home loan? The following article will give you an introduction.

What is the down payment ratio of personal second home loan?

According to China's latest second-home loan policy, the down payment ratio of individual second-home loans shall not be less than 40%, and the interest rate shall be 1. 1 times of the bank's benchmark interest rate. However, due to different regions, the down payment ratio of individual second-home loans in different cities will be different. At present, the down payment ratio of individual second-home loans in most cities is between 50% and 70%.

The criteria for the bank to identify the second suite

1. If there is a house in the name of parents, buy a house in the name of minor children.

According to the latest second-home policy in China, family members include borrowers, spouses and minor children. Therefore, if property buyers buy houses in the name of minor children, they also belong to the second-home category.

2. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult.

Because the bank is currently adopting the standard of recognizing housing and loans, if your original house is not for sale, then applying for a loan to buy a house belongs to the second suite.

3. If there is a house bought in full under the name of the individual, then buy a house with a loan.

Because the bank currently adopts the standard of recognizing houses and loans, as long as it can find real estate under its name in the housing property rights trading system, if it is not sold, then buying a house again belongs to the second suite.

4. Use commercial loans for the first purchase and provident fund loans for the second purchase.

At present, the provident fund loan policy is relatively strict, which only oppresses buyers who have mortgage records. No matter whether the loan is settled, whether the house is sold, whether it is the original use or the provident fund loan, it will be recognized as the second suite when buying a house again.

The above is about the introduction of the down payment ratio of personal second home loan. I hope everyone can have a certain understanding of the second home loan, so that everyone can handle the second home loan smoothly.

Let's stop here for the introduction of the down payment of the second set of housing commercial loans.