With the improvement of people's living standards, many people want to buy a second house. Compared with the first house, the down payment ratio of the second house will be much higher, so how much down payment do we usually have to pay to buy the second house? Next, everyone will learn about it with Bian Xiao.

First, the central bank stipulates the down payment ratio of the second suite.

According to the latest regulations of the central bank, for families who already own a house but have settled their mortgage, they apply for a provident fund loan to buy a second house again, so the minimum down payment for the second house is 30%. If you already have a house but haven't settled the mortgage, the minimum down payment ratio for buying a second house is 40%. However, cities under provincial jurisdiction can adjust the minimum down payment ratio of housing loans according to the real estate situation and policy requirements.

Second, the down payment ratio of the second suite in each city

1. If you buy a second house in Chengdu 1 1 restricted area, the minimum down payment ratio is 60%. If you buy a second house in Tianfu New District, the minimum down payment ratio is 70%. If you buy a house in a non-restricted area, the minimum down payment ratio is 40%. There are also Changsha, Hangzhou, Tianjin, Ningbo, Xiamen and other places, and the minimum down payment ratio for the second suite is 60%.

2. According to Beijing's latest property market policy, the minimum down payment ratio for purchasing a second ordinary house is 60%, and the down payment ratio for non-ordinary houses is 80%. If you buy a second ordinary house in Shanghai and Wuhan, the minimum down payment ratio is 50%, and the minimum down payment ratio for buying a second non-ordinary house is 70%. At present, the down payment ratio of the second suite is 40%, mainly concentrated in Fuzhou, Taiyuan, Jinan, Xi' an and other regions; Nanjing and Suzhou have the highest down payment ratio for second-hand houses, accounting for 80%.

Bian Xiao Summary: Bian Xiao introduced the down payment of the second house here. To buy a second house, we must first understand the local regulations on the down payment and mortgage interest rate for the second house.

How much is the down payment for the second house?

The second suite refers to the second suite under the name of a family. As we all know, the state has introduced a purchase restriction policy for all cities, so there will be more restrictions on buying a second suite. For example, the loan method is different from the first suite, and the down payment ratio is different. So how much is the down payment for the second house?

1. What is the down payment for the second house?

1. If you buy a second house with a loan, the first loan shall not be less than 60%. If the price of a house is 1 ten thousand, the down payment is 1 ten thousand 60% = 600 thousand. The loan interest shall not be less than 1. 1 times of the benchmark interest, that is, the loan is 1 10,000, and it will be paid off within 20 years, with a monthly repayment amount of 7,879.5 yuan, and the total interest for 20 years is 724,004 yuan. After 30 years, the monthly repayment amount is 6794.7 yuan and the total interest is 1084504 yuan.

2. Another case is that the down payment ratio is 70%. If the price of a house is 1 ten thousand, the down payment is 1 ten thousand 70% = 700 thousand. The interest rate shall not be lower than 1.3 times of the benchmark interest rate, with the interest rate of 8.52% and the loan amount of 1 10,000, which shall be paid off within 20 years. The monthly repayment amount is 8690.9 yuan, and the total interest is 855550 yuan. For 30 years, the monthly repayment amount is 7703.3 yuan, and the total interest is 12 157550 yuan.

3. For families (including borrowers, spouses and minor children) with a housing area of over 90_, the down payment ratio of loans shall not be less than 30%; For families who already own a house, the down payment shall not be less than 60% and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For families who buy the third suite or more than three houses, the down payment ratio of loans will be greatly increased, but the specific amount of increase needs to be determined after bank evaluation.

Bian Xiao concluded: The above is the article that Bian Xiao shared for you today. How much is the down payment for the second house? The down payment ratio of the second suite is much higher than that of the first suite. The down payment is calculated according to the percentage of the full amount of the house. I hope the article shared by Bian Xiao can help everyone.

How much is the down payment for the second suite?

1. Take the first suite as an example, the minimum down payment for a new house with a purchase area of not more than 90 square meters can reach 30%;

2. For the second suite, the minimum down payment for the loan to buy a house is 70%;

3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price;

4. In other cases, the minimum down payment is 30%.

Interest:

1. At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%.

2. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

2. Banks will put concentrated monetary and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Let's stop here for the introduction of the second home loan down payment.