Under normal circumstances, the down payment of the first suite can be divided into two ways: commercial loans and provident fund loans.

1. Commercial loan: Under normal circumstances, the down payment ratio of commercial loan is 20%, of which the down payment ratio of residential property can be reduced to 10%- 15%, but the amount of mortgage loan is required not to exceed 80%-85% of the total amount.

2. Provident fund loans: The down payment ratio is generally 20%, but in some areas, the down payment ratio of provident fund loans can reach 15%-20%, and in some areas it can even be reduced to 10%.

Yoshiya real estate encyclopedia, buying a house needs more knowledge.

What is the down payment ratio of commercial loans?

The down payment ratio of commercial loans to buy a house is generally 30%

The down payment ratio of the first suite is not fixed, because the down payment ratio of the first suite will be different in different places, so the down payment ratio of the first suite is a difficult point to grasp.

However, according to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new houses is 30%. In other words, if you want to buy a house with a value of 1 100,000, then the down payment should be at least1100 times 30%, which equals 300,000.

If it is a provident fund loan

Provident fund loan: if it is the first time for a family to buy a house by loan, it can be 80% of the appraised price of the house, and 70% if it exceeds 90 square meters. It is worth reminding that if the provident fund is not rated, generally speaking, it can only be loaned to 800,000, depending on the amount and proportion of the provident fund.

The calculation method of down payment for the first suite is: down payment = total house price-customer loan amount.

Loan amount = contract price (market price) multiplied by 80% (the maximum loan amount can reach 80%).

I want to ask if I can get a down payment with a commercial loan. What are the procedures?

Commercial loans cannot be used for down payment. The essence of a commercial loan is that when you buy a house, you only need to pay a down payment. After you pay the down payment, you can use the house you want to buy as collateral, get a loan and pay off the outstanding house payment.

In other words, you can only get a mortgage if you settle the down payment.

How to borrow money to buy a house? Is there a down payment rule?

Buyers can take out loans. Property buyers can borrow 10 years, because it is an investment property, so there is no difference between the first set and the second set.

Generally, the minimum down payment is 40-50%, and the maximum loan does not exceed 60% of the total price of the store.

Specific personal income and personal bank credit status, as well as local banking policies, fluctuate 10%-20%.

Commercial loan application conditions:

(1) has legal and valid residence status;

(2) A contract or agreement for the purchase of a store;

Have a stable occupation and income, good credit, and the ability to repay the principal and interest.

4, the purchase price is not less than 50%;

5. Agree to use the purchased store as collateral, or the assets recognized by the loan bank as collateral, and the mortgage or personal guarantee qualification and sufficient compensatory ability as the loan principal and interest and guarantor. Responsibility.

Application information:

(1) If the borrower's ID card (household registration book) or other valid proof of residence is valid, the married person shall also submit personal proof of marital status.

(2) The loan applicant fills in the Application Form for Commercial Housing Loan (for approval).

The first payment voucher;

(four) the contract or agreement for the acquisition of the store;

(5) Proof of the borrower's family property and income;

(6) the identity certificate of the borrower;

Other information required by the bank.

Store mortgage down payment must be higher than 50%, and the interest rate should not be lower than 10%. The so-called 50% is calculated according to the value of the store you want to buy.

Shops mortgage is different from ordinary housing mortgage (mortgage property, the loan amount is generally 65%-70% of the value of real estate assessment). The interest rate is as high as 15%-30%.

The longest store can borrow 10 years. Because it is an investment property, there is no difference between the first set and the second set.

The minimum down payment is 50%, the maximum loan is 50%, and the lowest interest rate is 10%, depending on personal work income and personal bank credit, as well as local bank policies, ranging from 10% to 20%.

In the case of floating 10%, the interest rate is 7755% (for example, the benchmark interest rate is 7,05), and the highest interest rate is 15%: the interest rate is 8 1075%, up by 20%: the interest rate is 8,46.

For example, with a loan of 500,000 yuan and a loan term of 10 year, the difference between the maximum monthly supply of the two is less than that of 200 yuan. The deed tax in most cities is 4% yuan and 40,000 yuan. Some cities charge 3% and need 30,000 yuan. The minimum charge standard of maintenance fund is 2% yuan, which needs 20,000 yuan. There is also a handling fee of 30 thousand yuan and 3% The charge in this respect is generally in 30 yuan -90 yuan/m2, which is generally different in different provinces and cities.

Down payment ratio of commercial loans

The down payment ratio of commercial housing loans is: in the case of the first suite, the minimum down payment for new houses with a purchase area of not more than 90 square meters can reach 20%; In the case of the second suite, the minimum down payment for the purchase of real estate is 50%; For three suites, banks that need loans may not issue loans according to the house price; Otherwise the minimum down payment is 30%.

1. What are the conditions for commercial lending?

Housing commercial loans and provident fund loans are different, and the required certification materials and conditions are different. Housing commercial loan refers to a completely civil act.

Natural persons who have the ability to buy self-occupied housing in cities and towns in this city apply to the bank for housing with their purchased property housing as collateral as a guarantee for repayment of loans.

Commercial housing loan. Enterprises applying for loans should carry out independent accounting and be responsible for their own profits and losses. Meet the following conditions at the same time:

1. The business license of an enterprise as a legal person that has been issued by the administrative department for industry and commerce and passed the annual inspection procedures must be accounted for independently and be responsible for its own profits and losses.

2, and obtain the tax registration certificate issued by the tax authorities.

3, the legal person code certificate issued by the State Bureau of technical supervision.

4. Loan card issued by China People's Bank.

5. A deposit account has been opened in the company.

6. Abide by national policies and decrees and abide by credit; The asset-liability ratio of the enterprise conforms to the relevant provisions of the company; Enterprise products have a market, and production and operation are profitable.

Benefit, have the ability to repay the principal and interest on schedule.

7. The approval document of the superior unit where the enterprise applies for a loan from the company.

Second, commercial loans are loans used to supplement the working capital of I industrial and commercial enterprises. -Generally, they are short-term loans, usually nine months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.