In order to shorten the check-in time, many people often choose to buy second-hand houses and move in early. In terms of price, it will be more affordable than a blank house. Because a house needs hundreds of thousands, loans are often made, and buyers only need to pay the down payment first. How to calculate the down payment for second-hand houses? Then let's take a look!

The down payment of second-hand houses is generally calculated by subtracting the loan amount from the total house price, of which the loan amount accounts for 70% of the appraised house price. That is, when buying and selling second-hand houses, bank staff need to go to the door to evaluate the houses, and the evaluation price is generally 80% of the total house price. Take a 900,000 house as an example, the bank's evaluation price is generally 720,000. It should be noted here that the old and new degree of the house will directly affect the evaluation price. Then the loan amount is 504,000, and the second-hand house is down payment of 396,000.

Among them, if buyers choose commercial loans to buy the first house, the down payment is often not less than a quarter of the assessed price of the house, which means that the loan amount can reach up to three quarters of the assessed price. If it is the second or more properties under the name, the down payment and loan amount should each account for half of the appraised house price.

If the employee provident fund loan is used to purchase the first house, the down payment shall not be less than one-fifth of the appraised price of the house, then the loan amount can reach up to four-fifths of the appraised price. If it is a second house, the down payment needs to pay at least two-fifths of the appraised price of the house, which means that the loan amount is at most three-fifths of the appraised price. If you already have two houses in your name and need to buy another one, you can't use the provident fund loan.

It can be seen that the down payment is closely related to the housing appraisal price issued by the bank. If the appraisal price is high, the house loan amount is high and the down payment is low, which is more beneficial to the buyer. If the house is bought and sold through an intermediary, the down payment of the house needs to be included in the intermediary fee.

I hope the above answers are helpful to you.

What is the general minimum down payment for second-hand houses?

1. If an individual purchases two or more houses and the first house, whether it is a first-hand house or a second-hand house, the minimum down payment ratio is 30%.

1. Individuals purchase more than two houses and choose provident fund loans;

2. The minimum down payment ratio is 20%

3. Choose commercial loans with a minimum down payment ratio of 40%, commercial loans with a minimum down payment ratio of 30%, provident fund loans, and individuals buying the first home;

Second, the down payment of second-hand houses is related to the first two sets, ordinary houses or non-ordinary houses. Commercial loans need 35% down payment for the first ordinary housing and 40% for the first non-ordinary housing; Two ordinary houses need 60% down payment, and two non-ordinary houses need 80% down payment.

Extended data:

(1) Personal housing loans refer to loans issued by banks with purchased houses as collateral, including mortgage loans for forward houses and existing houses. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.

(2) Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.

(3) Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.

(4) Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.