Villa is also a residence, but it is not an ordinary residence, so it is the same as other residences in terms of purchase restriction and loan restriction. The difference is that you can't use provident fund loans. Nanjing second-hand villa has a minimum down payment of 30%, the second suite has a loan record of 50%, and the mortgage under its name has not been paid off, and the down payment is 80%. In addition, like all second-hand houses, second-hand villa loans are also affected by these factors. 1. Bank loan policy. In the case of tight bank loans, it may require an increase in down payment or interest rate. 2. Personal repayment ability, personal income must be more than twice the monthly payment. Therefore, your running water will directly affect how much you can borrow. 3. Appraisal price of the villa. The bank calculates the loan amount according to the appraisal price of the house. Maybe the loan can reach 70%, but it is also 70% of the evaluation price. 4. The age of the building and the age of the villa will also directly affect the loan amount of the house. The older the house, the lower the loan amount. # Villa can get a loan. The first suite in the main city of Nanjing (no mortgage record), like other houses, has a down payment of 30%, no mortgage record and a mortgage record. The loan has been settled, and the minimum down payment is 50%. The mortgage is probably not settled. The third house can't be loaned. In addition, second-hand housing villa loans are the same as other second-hand housing loans. The loan amount and loan period are related to the life of the house itself and the final evaluation price. # 1. The villa can use commercial loans, but not provident fund loans or portfolio loans. 2. What is the down payment for the second-hand villa? Some banks have different policies. Second-hand villa loan period does not exceed 20 years. The loan amount is also limited to a maximum of 50%. The purchased second-hand villa will be appraised by the real estate appraisal agency established by the bank, and the bank will finally determine the loan amount according to the appraised price. The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

I am in Shanghai, and I want to buy a house of more than 3 million in Nanjing, but I didn't pay social security. This is the second set of commercial loans. How could I? How much is the down payment

Regarding the criteria for defining the first suite and the second suite, the Bank strictly implements the national loan policy. Due to the detailed local conditions, please contact your local branch directly.

If the housing loan (including the first-hand building and the second-hand building)/down payment ratio is handled through our bank, the provisions are as follows:

1. For the first suite, the proportion shall be at least 30%, that is, the maximum loan amount shall not exceed 70% of the value of the purchased property and not less than 25%).

2. For the second suite, the minimum ratio is 40%, that is, the maximum loan amount does not exceed the house.

For the specific amount of your loan, you need to submit relevant information, and the outlet will contact the personal loan department of the local outlet for consultation.

What is the minimum down payment for buying a second-hand house in Nanjing?

It has something to do with the age of second-hand houses. Most banks in Beijing have stopped lending to second-hand houses that have been used for more than 20 years. If property buyers want to buy these houses, they can only take the full payment method. Overall situation:

1, the first set: minimum down payment of 40%;

2. Two sets: the minimum down payment is 60%.

Banks in Beijing still implement the policy of 30% down payment for the first suite, but due to the characteristics of the second-hand housing market, the actual down payment is equivalent to 40%. The second-hand housing market is different from the first-hand housing market. For risk reasons, banks generally underestimate the value of houses. For example, for a house with a price of 6.5438+0 million yuan, the bank's evaluation value is generally below 900,000 yuan. Therefore, even if the down payment is 30%, that is, 270,000 yuan, the bank's loan amount is only 630,000 yuan, but in fact the house is sold at 6,543.8+0,000 yuan, and the remaining 370,000 yuan needs to be taken out.

4. Now I want to buy a house in Gaochun, Nanjing, with a house price of 530,000 yuan and a down payment of 1.5 million yuan. The loan is380,000. Pay off in 30 years. How much is the monthly payment?

Do the math yourself. 53X loan interest rate, divided by 30 years. This is the monthly repayment.