1. How much is the down payment for the first house?

According to national requirements, the down payment for the first house is generally 30% of the total house price, and the down payment for the second house is 60% of the total house price. In addition, when purchasing a self-occupied house with a floor area of ??less than 90 square meters, the down payment ratio is 20% of the total house price. There is no maximum down payment limit, but it cannot be less than the specified down payment amount.

How to identify the first home:

1. The first home refers to buying and owning only one house, based on the national identification standards for first homes. The People's Bank of China stipulates that urban residents in my country who purchase their first home can enjoy preferential policies such as preferential mortgage loan interest rates and low down payment ratios.

2. The so-called "first house" must meet three conditions at the same time: the buyer is over 18 years old; the house purchased is an ordinary house of 90 square meters or less (ordinary house of 90 square meters or less) It enjoys the preferential deed tax rate 1); the buyer does not have a house purchased alone or jointly with others. However, there are exceptions to housing purchased with parents, purchased in accordance with housing reform policies, or acquired through inheritance or resettlement.

3. If you want to enjoy various tax exemptions and loan concessions according to the purchase of a "first home", the home buyer must apply in person and go to the district or county where the purchased house is located with the purchase contract and identity document. Submit an application for a real estate transaction. For each transaction, a first-time home purchase certificate will be issued within 7 working days from the date of acceptance.

What are the preferential policies for buying your first home:

The Real Estate Bureau implements individual home purchase standards, and requires a home purchase contract to be signed on or after November 1, 2008, and the initial purchase area is 90 square meters. For ordinary housing and below, the deed tax rate is temporarily adjusted to 1. One of the three prerequisites for this discount is that the commercial house to enjoy the discount must be the owner's first home.

To query the information of first-time home purchase, the query is based on the purchaser in the home purchase contract. When accepting an individual's initial home purchase information inquiry, the identity certificate of the inquirer, the pre-(current) sale contract of commercial housing or the purchase and sale contract of existing housing must be reviewed. Based on the definition standards of the property rights information system for home purchasers, it is stipulated in the property rights registration information database.

If there is no property rights registration record, or there is property rights registration, but the source of property rights is self-construction, inheritance, donation, housing reform, affordable housing, or resettlement housing, they are all first-time home purchases. The Property Rights Market Department of the Real Estate Bureau will A "First Time Purchase Certificate" will be issued. The standards also stipulate that the area for querying personal home purchase information is limited to the area registered by the agency that issued the "Initial Home Purchase Certificate".

2. How much is the down payment for a first-home loan?

There is a China Merchants Bank in the city where you are located. You can try to apply for a loan through China Merchants Bank. The specific down payment ratio and loan amount are subject to local regulatory policies. It is recommended to inquire in detail. Local branch account manager. Please call 95555 and select 3 personal customer service-3-3-8 to enter the city where the manual service is provided to check the loan manager's phone number.

3. How much is the down payment for buying a house for the first time?

When you buy a house for the first time and apply for a commercial loan, the down payment is usually 30%.

When purchasing a house for the first time and applying for a provident fund loan, if the area is less than 90 square meters, the minimum down payment can be 20%, and if the area is more than 90 square meters, a down payment of 30% is required. In addition, the regulations in different cities may also be different, and the city loan regulations need to be determined.

First-time home purchase loan process:

1. Generally, home buyers need to go to the bank to understand the relevant situation and apply for the relevant required information to apply for a personal housing loan. The bank will then review the home buyer and determine the loan amount.

2. In the next step of handling the loan contract, the bank will handle the insurance, and then handle the property mortgage registration and notarization. The rest is for the bank to issue the loan and the borrower to cancel the registration after monthly repayments and repayment of principal and interest.

3. The information and procedures required for applying for a home purchase loan are as follows: household register, marriage certificate, ID card, income certificate, bank statements, and home purchase contract (if married, provide information of both husband and wife). The conditions must be stable. Income and bank statements must be provided every month. The monthly income on the income certificate must be twice the monthly payment.

4. How much is the down payment for a second home loan?

If the first home loan has been paid off, the minimum down payment for a provident fund loan is 30 RMB. For households that own one house and have outstanding home purchase loans to purchase a second house, the minimum down payment ratio will be adjusted to no less than 40. If you use the housing provident fund to buy a house, the minimum down payment is RMB 20; if you own a house and have paid off the loan, you can apply for the housing provident fund to buy a house again, and the minimum down payment is RMB 30.

If the loan for the first home has been paid off, the minimum down payment for a second home commercial loan is RMB 40. If the housing provident fund loan is the lowest and the corresponding home purchase loan has not been paid off, the minimum down payment ratio will be adjusted to no less than RMB 40. Use a housing provident fund loan to buy your first ordinary home, with a minimum down payment of 20; families that own one house and have paid off the loan can apply for housing provident fund again to buy a house

Buy a second house after the loan for the first house has been paid off The minimum down payment for a commercial loan for a suite is 40 RMB, and the minimum down payment for a provident fund loan should be adjusted to no less than 40 RMB for a household with an unpaid home purchase loan when purchasing a second home. If you own a home, the minimum down payment is RMB 20; if you own a family and apply for housing provident fund again to buy a house, the minimum down payment is RMB 30.