After 20 10 17, the house price in Zhengzhou rose all the way, with a particularly large increase. The average house price in Zhengzhou is around 13000. In special areas such as Zhengdong, many people will buy second-hand housing provident fund loans. What is the down payment? under

You can buy a second-hand house with a provident fund loan, but you must meet the loan application conditions. Here are the application conditions.

1, with stable economic ability to collect principal and interest;

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3. Agree to provide the repayment guarantee method recognized by the housing provident fund management center;

4. The total contract price of the purchased real estate minus the loan amount;

5. The borrower and spouse have no other large debts.

6. Before applying for a loan, you have paid the provident fund in full and continuously for more than 6 months.

Buy, before knowing the down payment of second-hand housing provident fund loans in Zhengzhou, you may wish to know first, there are still many processes to go in Zhengzhou to pay down payment.

Employees who intend to apply for second-hand housing loans shall submit the original and photocopy of the borrower's (spouse's) salary income and housing ownership certificate, and the business personnel shall review and confirm whether the employee's housing provident fund deposit is normal or not for evaluation. Conduct a trial

Second-hand housing security plus mortgage, mortgage two, borrowers can choose according to their actual situation;

Submit all loan application materials as required, then sign a guarantee contract in the provident fund management center and pay the guarantee fee;

The lender transfers the ownership and goes through the mortgage registration after getting the new house book. See Mortgage Committee.

After a series of procedures, the last one is the agreement of monthly repayment of house purchase, and monthly repayment to the bank.

In the bank, the interest rate of 5.4% is low, and the monthly loan amount: individuals can borrow 400,000 yuan, and both husband and wife have provident fund, and they can pay 20% for 60 loans, 30% for the second suite and 40% for the second suite. At the same time, there is no limit to the hukou, which can be paid in the city to buy second-hand houses. Second, how to calculate the down payment for second-hand houses?

Calculate how much it will cost to decorate your home. In order to shorten the check-in time, many people often choose to buy second-hand houses and move in early. In terms of price, it will be more affordable than a blank house. Because a house needs hundreds of thousands, loans are often made, and buyers only need to pay the down payment first. How to calculate the down payment for second-hand houses? Then let's take a look!

The down payment of second-hand houses is generally calculated by subtracting the loan amount from the total house price, of which the loan amount accounts for 70% of the appraised house price. That is, when buying and selling second-hand houses, bank staff need to go to the door to evaluate the houses, and the evaluation price is generally 80% of the total house price. Take a 900,000 house as an example, the bank's evaluation price is generally 720,000. It should be noted here that the old and new degree of the house will directly affect the evaluation price. Then the loan amount is 504,000, and the second-hand house is down payment of 396,000.

Among them, if buyers choose commercial loans to buy the first house, the down payment is often not less than a quarter of the assessed price of the house, which means that the loan amount can reach up to three quarters of the assessed price. If it is the second or more properties under the name, the down payment and loan amount should each account for half of the appraised house price.

If the employee provident fund loan is used to purchase the first house, the down payment shall not be less than one-fifth of the appraised price of the house, then the loan amount can reach up to four-fifths of the appraised price. If it is a second house, the down payment needs to pay at least two-fifths of the appraised price of the house, which means that the loan amount is at most three-fifths of the appraised price. If you already have two houses in your name and need to buy another one, you can't use the provident fund loan.

It can be seen that the down payment is closely related to the housing appraisal price issued by the bank. If the appraisal price is high, the house loan amount is high and the down payment is low, which is more beneficial to the buyer. If the house is bought and sold through an intermediary, the down payment of the house needs to be included in the intermediary fee.

I hope the above answers are helpful to you.

3. How much is the down payment for the second-hand housing loan in Tangshan guye district?

When buying second-hand houses, the most important thing is to carefully examine the integrity and reliability of housing property rights.

First, the seller is required to provide the original legal property right certificate, and go to the housing management department to inquire about the authenticity of the property right certificate, as well as the property right source and property right record of the purchased property. Including the owner, registration date, transaction price, etc. It is also necessary to confirm the integrity of the seller's property rights and know whether the purchased house has been mortgaged and shared with others. Pay attention to whether the owner and seller on the real estate license are the same person. Secondly, it is necessary to find out whether the source of the purchased house belongs to the house that is allowed to be sold. Generally speaking, the public houses of troops, hospitals and schools must be sealed by the original unit before they can be sold.

Unlike commercial housing, the sale of second-hand housing is generally a "case". Therefore, related prices, housing conditions, etc. , all need consumers themselves or their own entrusted institutions to understand in detail. Before deciding to buy, consumers should carefully observe whether the apartment is reasonable, whether all kinds of management are in place, and whether the power supply capacity can load large household appliances such as air conditioners. Check the ceiling for signs of water seepage, and the walls for obvious problems such as bursting or peeling. Some even ask about the level of community security, property management fees and charging standards. In addition, consumers must not forget to know how long the house has been purchased and how long the land use period is; Are there any arrears, such as property management fees, utilities, gas fees, etc.

On the basis of mastering the basic situation of housing, consumers should compare and judge the value of second-hand housing from many aspects. You can also entrust a trusted intermediary or evaluation agency to evaluate whether you can make a second-hand housing mortgage loan. Under normal circumstances, banks will make a hedging assessment when mortgage loans, and this price can show the lowest hedging price of houses.

Finally, I remind you that if you buy a second-hand house, don't trust the other party. You must go through the transfer formalities legally and thoroughly. Second-hand housing must be handled by the housing and land management department to truly change the owner, and the guarantee and notarization of any other unit are not regarded as completing the transaction.