Second-hand housing loans refer to loans issued by banks to borrowers to purchase second-hand housing, and personal housing loans for property buyers to change houses through housing intermediary companies. In line with the conditions of commercial loans for individual housing of banks and the housing intermediary company is willing to provide phased guarantees for buyers, buyers apply for replacement with the purchased housing as collateral. Loan to buy a second-hand house, if you choose a commercial loan, the second-hand house is the first suite, with a down payment ratio of 30% and a maximum loan ratio of 70%. If the second-hand house you buy is a second suite, the minimum down payment ratio is 50% and the maximum loan ratio is 50%. If the second-hand house you buy is a commercial house, the down payment ratio is 50%.

Second, how to calculate the second-hand housing mortgage?

If it is the first set, only 30% down payment is required, and the maximum loan can be 70%.

If it is the second set, the down payment is 60%, and the loan can only be 40%.

No need for a third set.

The property is five years, but there is no need to deduct 20% tax.

I hope I can help you.

Third, how to calculate the second-hand housing loan amount?

The following two loan amount accounting methods take the lowest value.

1, calculated by solvency:

Monthly repayment amount = sum of monthly provident fund deposit bases of husband and wife ×50%

2. According to the deposit balance:

Loan amount = (borrower's provident fund account balance × deposit time coefficient × spouse's provident fund account balance × deposit time coefficient) × 10 times. (If the account balance is less than 10000 yuan, it shall be calculated as 10000 yuan)

The comparison between deposit time and deposit time coefficient is as follows:

6 months