1. If it is the first suite with an area of less than 90 square meters, the down payment can be at least 20%.
2. Second occupation, minimum down payment for purchasing real estate >; .
3. Some banks don't give loans for third homes. Generally speaking, men are 70 years old and the longest loan period is 30 years. If he has a local household registration or local social insurance 1 year or more, he can provide proof of income and running water, and the bank has no bad records.
For hedging the first-hand housing loan, the actual loan interest rate, loan proportion and loan life are subject to the bank's audit (generally speaking, the first home loan, the down payment for ordinary housing is above 30%, the benchmark interest rate for the second home loan is above 60%, and the third suite with the benchmark interest rate floating 10% is not allowed.
At present, the calculation of loan down payment is very different between buying new houses and second-hand houses. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans. The second-hand housing loan is subject to the second-hand housing evaluation calculated by the professional evaluation agency designated by the bank. Generally, the evaluation of second-hand houses is lower than the market price. The appraisal price is mostly 80%-90% of the market value of second-hand houses.
Calculation method of down payment for first-hand houses:
Down payment = total house price-customer loan amount
.
Loan amount = contract price (market price) ×80% (up to 80% for the first loan)
Second-hand residential down payment calculation method:
Pure down payment = actual transaction price-customer loan amount (pure down payment: down payment excluding national taxes and intermediary service commission) loan amount = second-hand house evaluation ×80% (down payment loan amount reaches 80%) loan amount evaluation method, contract price ×85%, general evaluation hopes that the above contents will help to understand the down payment of the house.
At present, the national regulations are 20% of the total house price, and most commercial loans and provident funds are 20%. However, banks should pay attention to the fact that they cannot make loans without paying 20% down payment, and they must make up 30%. If you are a civil servant, you can pay a little first and then borrow one floor.