What is the down payment ratio of a suite in Chongqing?
The down payment ratio will be different in different regions. The down payment ratio of the first home mortgage is 20%-30%, the down payment ratio of the second home mortgage is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate.
1. The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; The third suite is not allowed.
2. At present, there are great differences in the calculation of loan down payment between buying a house by loan, buying a new house and buying a second-hand house. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans.
How to define the first suite in Chongqing?
Chongqing has borrowed money to buy a suite and the commercial loan has been settled. Refinancing to buy a house is the first set.
1, Chongqing bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system, and then borrow money to buy the first house.
2. Chongqing bought a suite in full and bought the first set with a loan.
3. Chongqing bought a suite in full and sold it later. The house registration system can't find the property, and then the loan is used to buy the first house.
4. There are two commercial loan records in Chongqing's personal name, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, the first set will be calculated when refinancing.
5. One suite of commercial loans under the personal name has been paid off, and another set of provident fund loans has been sold. At the same time, it can provide proof of house sale and apply for the first set of Chongqing commercial loan to buy a house.
6. Husband and wife, one party buys a house before marriage and uses a commercial loan, while the other party buys a house before marriage and uses a provident fund loan. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, relevant banking financial institutions in Chongqing can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.
7. There are two couples, one has a house before marriage but no loan record, and the other has a loan record before marriage but no real estate in Chongqing. Buying a house and applying for a loan after marriage is the first set.
If you want to buy the first suite in Chongqing, you can learn about the local policies first. If you really buy the first suite, you can issue the first suite certificate. The above is an introduction about the down payment ratio of a suite in Chongqing and how to define the first suite in Chongqing. If you buy the first suite, you can enjoy certain preferential policies. You can learn about this.