not necessarily, you can buy a house in Beijing for the first time, but it doesn't necessarily count as the first suite. If you want to apply for a commercial loan of 65%, you need to meet two conditions: 1 the first set and 2 ordinary houses.
in Beijing, how is the down payment ratio required for commercial loans to purchase houses? Mainly divided into the following four situations:
1. The first set of ordinary: down payment 35 loans 65
2. The first set of non-ordinary: down payment 4 loans 6
3. The second set of ordinary: down payment 6 loans 4
4. The second set of non-ordinary: down payment 8 loans 2
or more refers to the minimum down payment ratio required for buying a house in Beijing.
About the down payment (or loan) base:
It is worth reminding everyone that the base of the minimum down payment ratio is the house appraisal price or the online signing price, whichever is lower, which is chosen as the loan base (if you borrow money from the bank, it must be calculated by lending as little as possible). This price is also the price reflected in the online signing contract, not the actual transaction price reflected in the house sales contract, which you need to pay attention to. In addition, because the evaluation price and online signing price are lower than the actual transaction price, why? Look here-before commercial banks issue loans to property buyers, they need an authoritative appraisal company designated by them to evaluate and measure the market value of the property. In order to avoid real estate bubbles and false prices, banks and appraisal companies can't let the appraised value of the property exceed the current actual market value, so there will be appraised value or online signing price, which must be lower than your actual signing transaction price. Combined with the four kinds of loans listed above, we can draw the following conclusions: the actual down payment expenditure >; Actual transaction price x down payment ratio.
Identification of the first suite:
Only the following three conditions are met at the same time can the first suite be considered
1. The family (family as a unit) has no house in Beijing
2. The family (family as a unit) has no record of commercial housing loan or provident fund housing loan in China
3. No record of divorce within one year
Warm reminder.
The above is the method for determining the first (second) set of commercial loans. As we have said before, we all know that there are two factors that affect the loan ratio. In addition to the above-mentioned first (second) set of factors, there is also an ordinary (non-ordinary) factor. Next, I will give you the criteria for determining ordinary houses and non-ordinary houses under the popular science.
Ordinary residence:
If the following three items are met at the same time, it is a general residence; Any item that is not satisfied is not general
1. The plot ratio is ≥1., which is subject to the evaluation report
2. The building area is ≤ 14m2, which is subject to the house book
3. The unit price or total price is ≤ the guide price of the area
Warm reminder: the purchased public houses are recognized as general houses in principle.
that's the general situation of buying a house in Beijing that I can popularize. The house is not perfect. Similarly, the situation of every customer who buys a house is different, which involves not only the simple price, but also complex factors such as real estate law, marriage law, inheritance law, finance, economy, taxes and fees. If you want to know more about buying a house, you can write to me privately for more consultation.