With the rise and popularity of the real estate industry, people also have spare money in their hands. Many parents will choose to buy a second home for their children after owning their own home. When buying a house, if you are unable to pay the full payment, you can choose to pay the down payment first. So how much is the down payment for a second house in Huizhou? 1. What is the down payment ratio for buying a second house in Huizhou? 1. Individual purchase of a second house The mortgage interest rate is 10% higher than the base interest rate, the down payment is more than 40% lower, and the deed tax payment standard is 3% of the total house payment. 2. Reduce the down payment ratio. The down payment for the first home is 20%. The restriction on the balance is cancelled. Employees can borrow up to 500,000. First, the continuous payment time for employees to apply for loans is reduced from more than 12 months to more than 6 months. For the first home, The low down payment ratios for the first and second homes are reduced from 30% and 50% to 20% and 30% respectively, reducing the pressure on employees to purchase houses. 3. The second is to cancel the restriction on the loan amount and the balance of employee accounts, effectively increasing the actual loan limit for employees. For example, Jinan City currently implements the requirement of 15 times the deposit balance, that is, if an employee's account has a provident fund balance of 10,000 yuan, he can only borrow 150,000 yuan. After the restriction linked to the balance is removed, employees can borrow up to 500,000 yuan. The third is to develop commercial-to-public loans, allowing deposit-paying employees to convert commercial housing loans into provident fund loans, so that the provident fund loan policy can benefit more deposit-paying employees. 2. Can I use a provident fund loan to buy a second house in Huizhou? 1. I can use a provident fund loan. You are now counting as a second house, and the down payment is 60%. If you take a pure provident fund loan, the interest rate is the base interest rate! 2. 1. According to the following two Calculate the provident fund loan limit in two ways, with the smaller value as the upper limit, and shall not exceed the higher loan limit of the corresponding grade (1) The balance of the borrower's housing provident fund payment (based on the data at 12 o'clock on the day before applying for a provident fund loan) ) 10 times. If the borrower's spouse meets the provident fund loan conditions, the balance of their housing provident fund deposits will be calculated together. 3. For borrowers who meet the provident fund loan conditions and whose spouse is an active military member, the loan amount is 20 times the balance of the borrower’s housing provident fund. If the borrower or his spouse normally pays the new employee housing subsidy, the deposited new employee housing subsidy can be combined with the borrower's housing provident fund deposit balance to calculate the housing provident fund loan limit 4. Lenders need to go to the bank to apply for a housing provident fund loan Submit a written application, fill out the housing provident fund loan application form and truthfully provide the following information: housing provident fund payment certificate of the applicant and his or her spouse; identity certificate of the applicant and his or her spouse refers to resident ID card, permanent residence booklet and other valid residence documents, and documents proving marital status. ; Proof of stable family economic income and other proofs of claims and debts that have an impact on repayment ability; 5. Valid supporting documents such as contracts and agreements for purchasing a house; mortgages, pledge lists, ownership certificates and disposal rights used for security Proof that the person agrees to the mortgage or pledge, and a mortgage valuation certificate issued by the relevant department; the Provident Fund Center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor must sign a three-party agreement contract. The above is the entire content of the down payment ratio for buying a second house in Huizhou? Can provident fund loans be used to buy a second house in Huizhou? It is necessary to strengthen the housing information inquiry and management work. The real estate authorities should strictly follow the "Interim Measures for Inquiry of Housing Ownership Registration Information" (Building Housing) and the "Trial Measures for the Management of Housing Registration Book" (Building Housing) to conduct inquiries and issue written inquiry results. Those who provide false inquiry information will be subject to relevant regulations. Take it seriously. By reading the above content, we know the answer to the question of how much is the down payment for a second home in Huizhou. The mortgage interest rate for buying a second home will increase, and the down payment ratio will be reduced, which can reduce the cost of buying a second home. The mortgage pressure has been reduced, and the loan limit for buyers has been increased, making it easier and more convenient to buy a second-hand house.