1. If the buyer has no real estate, that is, the first second-hand house, then the down payment of the second-hand mortgage is not less than 30%. The 30% mentioned here is not the transaction price, but the evaluation price. Second-hand housing loans are based on the evaluation of second-hand housing, and the general evaluation price is lower than the market price.
2. If the buyer has real estate, then his down payment ratio on the second-hand house should be about 70%. At present, the benchmark interest rate is 6.55%, and some banks can get a 15% discount on the first set.
3. In the case of three properties, if you need to borrow money from the bank to buy a second-hand house, then according to the regulations, you will not issue loans.
The down payment ratio of second-hand housing loans is divided into the following three situations.
1. If the last one has paid off the mortgage, and the buyers have good qualifications, they can get a down payment of only 20% on the second-hand housing loan.
2. If the last family did not explicitly repay the loan and asked the buyers to cooperate with the loan repayment, the safest way is to go through the fund supervision procedure. So you can use the second-hand mortgage 30% down payment.
3. If the property buyers have sufficient funds, they can pay clearly in one lump sum, so there is no problem of down payment and mortgage.