Buying a house by loan can be said to be the mainstream choice of real estate transaction now. Because of the high housing prices, the vast majority of ordinary people can't afford to buy a house, and deposits can only pay a certain down payment. If they want to live in their own house, they can only take out loans. Most of the houses bought in Hefei are mainly new commercial houses, because many banks no longer look at the approval of second-hand housing loans. What are the new policies for second-hand housing loans in Hefei? Let's take a look with Qijia. Com experts.

1. What's the new policy for second-hand housing loans in Hefei?

Hefei second-hand housing loan new policy: first approval, then transfer. Housing Authority requires buyers and sellers of second-hand houses to voluntarily choose a custody bank after signing the contract online, and pre-qualification of loans is required before submitting custody. After the loan qualification is approved, the buyer and the seller can register the real estate, that is, transfer the ownership.

2. What is the down payment ratio of Hefei's house purchase?

1, down payment for the first home loan

However, the minimum down payment ratio is 25% for first-time households who have no housing in Hefei and no loans and loan records. If there is a loan record, whether the loan is paid off or not, the minimum down payment for applying for a commercial housing loan is calculated at 40%. If there is a house in Hefei but there is no loan or loan record, it is also calculated at 40%.

2. Second home loan down payment

Residents' families have houses both inside and outside Hefei, and the loans have not been settled. If you apply for a commercial loan to buy a house again to improve your living conditions, the minimum down payment ratio is 50%. Residents who have no housing and have two loan records apply for commercial loans again, and the down payment ratio is 60%. Residents who own two or more houses but have no loans apply for commercial loans to purchase houses, and the down payment ratio is 60%.

Editor's summary: The above is an introduction to Hefei's new housing loan policy. I hope what Bian Xiao shared can give you some reference. If you want to know more, you can pay attention to our family. Com for consultation.

Enter the area and get the decoration quotation for free.