Down payment is the lowest proportion of down payment according to the national proportion when buying a house. Of course, the payment can be higher than this amount, but not lower than it, and the rest can be borrowed from the bank.
Since June 1 day, 2006, the down payment ratio of individual housing mortgage loan shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters.
The requirement of 20 13 is that the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total house price. Because considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment, that is, the individual pays a part of the house payment in advance, which proves that you have the repayment ability.
2065438+On March 25th, 2006, Shanghai issued "Several Opinions on Further Improving Shanghai's Housing Market System and Security System to Promote the Stable and Healthy Development of the Real Estate Market", which made it clear that the down payment ratio should not be less than 50% for households with/kloc-0 apartments who apply for commercial personal housing loans to buy ordinary self-occupied houses again to improve their living conditions; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
On May 14 and 19, the Pearl River Four Seasons Yuecheng in Yizhuang, Beijing launched a "no down payment" promotion policy, which was the first "zero down payment" property in Beijing after the lowest price in the region was launched. The promotion is called "Farewell to down payment, stress-free house purchase and building plan", through which buyers can get financial support.
In addition, the Pearl River Four Seasons Yuecheng also launched 10 set of designated houses, which can enjoy the preferential treatment of "bid farewell to the down payment, buy a house without pressure" and get other financial services.
With only one month left before the mid-year performance appraisal, many real estate enterprises, especially listed real estate enterprises, have begun to accelerate the process of de-industrialization and increase sales, so they have to take the means of price reduction and promotion.