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What is the down payment for the second set of housing policy loans?
The current policy of the second home loan is that the down payment is 40% and the loan interest rate rises 10%.

According to commercial loans and provident fund loans, the down payment ratio of second-hand houses is as follows:

1. The Buyer purchases the house through a commercial loan:

1. The buyer chooses a commercial loan to purchase the first house, with the minimum down payment ratio of 30% of the appraised house price and the maximum loan ratio of 70%;

2. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 50% of the appraised house price and the maximum loan ratio of 50%;

Second, the buyer's provident fund loan to buy a house:

1. The buyer chooses the provident fund loan to purchase the first house, with the minimum down payment ratio of 20% of the appraised house price and the maximum loan ratio of 80%;

2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;

3. The buyer cannot use provident fund loans when purchasing three or more houses and commercial houses.

Suggestion:

1. If the first set uses commercial loans, the second set can use provident fund loans, so the provident fund loans are still regarded as the first set. (The first set of provident fund loan policy can generally make a down payment of 20%, and the loan amount is 15 times of the balance of the provident fund account. For example, if there is 1 10,000 yuan in the account, you can borrow10.5 million yuan. If a person's provident fund balance is not enough, both husband and wife can also borrow together. However, many banks that developers cooperate with are reluctant to run provident funds. You can find a bank to do it yourself, but you need the developer to provide a copy of the five certificates, which is the direct customer loan.

2. Find a trusted relative (except husband and wife, such as parents, but it must be someone with no loan record) as a co-owner. You can divide the property right into your 99%, your parents 1%, and your parents are the main borrowers. If you agree, you can enjoy the first set of concessions. Loan age: Generally speaking, the maximum loan age is 70 for men and 65 for women.