If it is a personal housing loan from China Merchants Bank: 1, the down payment ratio of the "first suite" shall be at least 30%, that is, the maximum loan amount shall not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction"); 2. The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
Your specific loanable amount requires you to submit relevant information, which can only be determined after the approval of the outlets. You can directly contact the personal loan department of the local outlet for consultation.
Second, what is the down payment?
In cities that do not implement the "purchase restriction" measures, the minimum down payment ratio is adjusted to not less than 25% for commercial personal housing loans for households to purchase ordinary housing for the first time.
For example, if the total amount of commercial housing you buy is 6.5438+0 million, the minimum down payment ratio is 25%, that is, you have to pay at least 250,000 yuan to mortgage the loan.
What is the down payment ratio for buying a house?
1. The down payment for new houses and second-hand houses is different. The down payment for second-hand houses is generally 1/2 of the total house price, and that for new houses is almost 20% of the house price.
2. The minimum down payment for buying a house by installment is generally 30%, and so is the new house. However, in order to attract more customers, a few properties have achieved a 20% discount. The developer asks you to go to a designated bank for a loan, or a small apartment with a better location can also have a low down payment.
3. In the case of repossession of second-hand houses, the minimum is generally 30%, which refers to 30% of the appraised value of houses. If the appraisal value is lower than your transaction value, your down payment will exceed 30% of the total house price. The cost of the second-hand housing transaction itself is not in the house price, so try to prepare more cash to arrange things.
4. Second-hand house down payment = transaction price-housing square meter evaluation price x housing area x 70% (70% for ordinary commercial loans), deed tax and stamp duty, and related expenses incurred according to different housing property rights plus loan handling fee.
3. mortgage to buy a house, what percentage of down payment do you usually have to pay?
The 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. From June 6, 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% is still implemented for those who buy self-occupied housing with a construction area of less than 90 square meters. 1. Purchase the first self-occupied house with a construction area of 90 square meters, with a down payment of 20%; 2. The first set of self-occupied housing with the construction area purchased; Below 90 square meters, 30% down payment; 3. The down payment for the second house purchase is 50%, and the loan interest rate rises 10% on the basis of the first house purchase. The identification of the "second house" shall be carried out in accordance with the provisions of the relevant state departments, and the specific situation shall be subject to the results of the rounds of the relevant housing management departments. Extended data:
First of all, don't use the provident fund before applying for a loan. If the borrower before the loan
Fourth, mortgage to buy a house, what percentage of down payment do you usually pay?
The 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.
From June 6, 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% is still implemented for those who buy self-occupied housing with a construction area of less than 90 square meters.
1. Purchase the first self-occupied house with a construction area of 90 square meters, with a down payment of 20%;
2. The first set of self-occupied housing with the construction area purchased; Below 90 square meters, 30% down payment;
3. The down payment for the second house purchase is 50%, and the loan interest rate rises 10% on the basis of the first house purchase. The identification of the "second house" shall be carried out in accordance with the provisions of the relevant state departments, and the specific situation shall be subject to the results of the rounds of the relevant housing management departments.
Extended data:
First of all, don't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan pays the house price, the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan.
2. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after 1 year repayment, and the amount you return should exceed the repayment amount of 6 months.
Third, if you have difficulty in repaying the loan, don't forget to look for the banks around you. Don't insist on it yourself when your solvency drops during the loan period and you have difficulty in repaying the loan. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan term. However, according to the regulations, the loan term can only be changed once.
Fourth, don't forget the tax refund after obtaining the real estate license. When buying a commercial house, all refundable family members should be written into the purchase contract as the property owner, and they should be handled immediately after signing the contract and paying the house price; Tax base deduction of personal income tax paid by buyers; Apply for and get my own; General tax payment book; . Within 6 months after you complete the certificate of immovable property rights, you should go to the tax department for tax refund.
5. Don't forget to inform when renting a house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgage fact in writing.
6. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can cancel the mortgage with the bank's loan settlement certificate and the mortgage title certificate to the district/county real estate trading center where the property is located.
Seven, don't lose the loan contract and IOUs. When applying for mortgage loan, the loan contract and loan note signed by the bank with you are important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contract and IOUs, and read the terms of the contract carefully to understand your rights and obligations.