The down payment of the second home loan should be determined according to the total house price. The down payment ratio of the second home mortgage loan stipulated by the central bank shall not be less than 40%. Among them, the provident fund loan is selected to purchase two houses, with the minimum down payment ratio of 40% of the assessed house price and the maximum loan ratio of 60%. Choose commercial loans to buy more than two houses, the minimum down payment ratio is 50% of the assessed house price, and the maximum loan ratio is 50%.
The down payment ratio of the second suite refers to the mortgage loan paid for the first time when people buy a second ordinary house. The down payment of the second home loan is the abbreviation of the down payment of the second ordinary self-occupied mortgage loan. Refers to the down payment of housing loans determined by the borrower's family, and the per capita housing area of the borrower's family is higher than the local average.
According to the adjustment of the new mortgage policy, the detailed rules of the new mortgage policy require that the loan ratio and loan interest rate of the second suite should be further increased, which means that the down payment ratio of the second suite will be increased under the new mortgage policy.
What are the precautions for the second home loan?
1, the premise of buying a house is rational and planned consumption. Decide your own property according to your own income, expenditure and other actual conditions. In fact, it is good to meet the basic housing needs and avoid unnecessary extra burdens, but it is very important to cultivate a gradient consumption concept.
2. Learn the necessary basic knowledge of real estate, which is necessary for buying a house. Housing is a professional behavior because it involves huge amounts of money.
3. The key to buying a house: the accumulation of down payment for buying a house. Set a goal first, such as paying a down payment within five years after graduation, so in order to achieve this goal, distribute your income reasonably. Set aside a part of funds regularly every month and make a regular quota plan.
4. Buy a house according to your ability: choose the building that suits you. Small area, low down payment and low total price, suitable for young people. It is recommended to buy a second-hand small house or a newly opened small apartment.