As we all know, the policy of buying the first suite is different from that of buying the second suite, which is directly reflected in the down payment ratio. With the development of tourism economy in Haikou, more and more people want to buy a house of their own in Haikou, so what is the down payment ratio of the first suite in Haikou? What are the preferential policies? This problem has attracted the attention of many people. Let's have a look!
As we all know, the policy of buying the first suite is different from that of buying the second suite, which is directly reflected in the down payment ratio. With the development of tourism economy in Haikou, more and more people want to buy a house of their own in Haikou, so what is the down payment ratio of the first suite in Haikou? What are the preferential policies? This problem has attracted the attention of many people. Let's have a look!
What is the down payment ratio of the first suite in Haikou?
1. Commercial loan: 70% of the appraised price of the house can be loaned for the first time (the appraised price is generally lower than the market price).
2. Provident fund loan: if you buy a house for the first time, you can get a loan of 80% of the appraised house price (within 90 square meters, 70% if it exceeds 90 square meters). Note: If the provident fund is not rated, you can only borrow 800,000 yuan, but it depends on the amount and proportion of your provident fund.
3. Calculation method of down payment: down payment = total house payment-customer loan amount; Loan amount = contract price (market price) × 80% (the first loan amount can be as high as 80%)
4. Generally speaking, according to the existing standards for the implementation of the first suite, the down payment ratio of commercial loans for new houses is 30%, the down payment ratio of provident fund loans for first suites below 90% shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90% shall not be less than 30%.
What are the preferential policies for the first home loan in Haikou?
1. Individuals can enjoy the preferential tax rate reduced to 1% when purchasing ordinary housing in Haikou for the first time under 90 square meters.
2. The first suite in Haikou is temporarily exempt from stamp duty and land value-added tax.
3. The lower limit of the loan interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the low down payment ratio can be adjusted to 20%.
4, individual housing provident fund loan interest rates, interest rates of all grades were lowered by 0.27 percentage points.
5. If the buyer sells the ordinary house that has been purchased for more than 2 years, the buyer need not bear the business tax.
6. Ordinary houses purchased by property buyers are exempt from housing registration fees, and the purchase and sale of stock houses are exempt from housing transfer fees.
7. Households that own a set of housing and the corresponding housing loan has not been settled buy a second suite, and the low down payment ratio of housing is adjusted to not less than 40%.
8. When using the housing provident fund loan to purchase the first set of ordinary self-occupied housing in Haikou, the down payment will be 20%; The family owns a house and has settled the loan. When applying for housing provident fund to buy a house again, the down payment is 30% lower.
9. According to the regulations of the People's Bank of China, urban residents in China enjoy preferential mortgage interest rates when purchasing the first home.
The above is what I compiled about the down payment ratio of the first suite in Haikou. What are the preferential policies? Judging from the relevant information, the preferential policies of the first suite have brought benefits to the first-time home buyers and indirectly adjusted the real estate market transactions. Therefore, before buying a house for the first time, you must first understand the preferential policies for buying the first suite and the conditions for enjoying the preferential policies for the first suite.
2. I am a nonlocal hukou, and I want to buy a suite in Haikou, which is the first suite. I want to ask about the general situation. ...
Hello!
National standard 30%
I hope it will help you and I hope it will be adopted.
Third, Haikou provident fund loans to buy second-hand housing down payment?
Haikou City, Hainan Province provident fund loans to buy second-hand housing down payment standards are as follows:
1. Buy the first house with a minimum down payment ratio of 20% and a loan ratio of 80%.
2. The buyer purchased two houses with provident fund loans, and the loan ratio was 60%.
3. The buyer cannot use the provident fund loan to buy more than three houses. But the agent said 40%?
This may be related to your local banking policy!
But the agent said 40%?
Thank you!
4. What is the down payment ratio of people who have not settled in Haikou?
1, Hainan household registration:
The down payment of the first suite is more than 30%, and the second suite is implemented according to the regulations of cities, counties and banks. Haikou City stipulated that the first suite should pay 40% down payment, and 50% was not settled.
2. Non-Hainan household registration:
(1) Class I cities and counties (Haikou, Sanya, Qionghai): the purchase is restricted by family, and the down payment ratio is above 70%. The transfer is prohibited within 5 years from the date of obtaining the property right certificate. Buy a house in a restricted area of the city and pay personal income tax and social insurance for more than 60 months.
(2) The second category of cities and counties (Wuzhishan, Baoting, Qiongzhong and Baisha): can only be sold to residents in cities (counties).
(3) Other cities and counties in the third category: the purchase is restricted by households, the down payment ratio is above 70%, and the transfer is prohibited within 5 years from the date of obtaining the property right certificate.