The down payment ratio of second-hand houses is as follows:
1. If the seller fails to pay off the repayment, ask the buyer to cooperate with the repayment: it is recommended to go through the fund supervision procedures and make a down payment of 30%.
2. The house itself has no loan, or the seller has completed the mortgage repayment: if the buyer is buying a house for the first time, the minimum down payment for the second-hand house loan is 20%, and the loan can be 80%.
The second-hand house down payment can be paid by the bank for the sake of capital security.
Second-hand housing mortgage loans, capital supervision process is as follows:
1. The buyer and the seller signed a house sales contract, and both parties proposed to handle the transaction.
2. The bank examines the qualifications of the buyer and the seller and signs a loan with the buyer.
3. Evaluate the property and report according to the evaluation report.
4. The buyer pays the down payment, and the money goes directly into the fund supervision account, which is supervised by the bank. At the same time, the Buyer and the Seller sign the Agreement on Fund Supervision between the Buyer and the Seller;
5. The buyer and the seller handle the payment.
6. After the transfer procedure is completed, the bank will follow the instructions according to the authorization of the buyer and the seller.
7. After seeing the seller's title certificate, the bank will pay the balance to the seller.
2. What is the down payment ratio of second-hand houses in Fuzhou? For example, a second-hand house 120w. ...
50%, tax increase, 600,000 to 700,000 yuan, and about 4,000 to 5,000 yuan per month.
Let's see what others say.
3.202 1 what is the down payment ratio of second-hand houses in Fuzhou?
30% of second-hand houses in the five districts and 40% in other places.
4. What is the down payment ratio of Fuzhou Second Suite 202 1? What should I pay attention to when buying a second suite?
When it comes to buying a house, everyone always wants to know more. Many people want to buy a house with a down payment. Of course, people still pay more attention to the down payment when buying a house. There will be different policies for down payment in different regions. What is the down payment ratio of Fuzhou second suite on 202 1? What should I pay attention to when buying a second suite?
When it comes to buying a house, everyone always wants to know more. Many people want to buy a house with a down payment. Of course, people still pay more attention to the down payment when buying a house. There will be different policies for down payment in different regions, so in many cases, everyone must know more about it. So what is the down payment ratio of Fuzhou Second Suite 202 1? What should I pay attention to when buying a second suite?
What is the down payment ratio of Fuzhou Second Suite 202 1?
According to the local purchase policy in Fuzhou, if you buy a second suite in Fuzhou and choose a commercial loan, the down payment ratio should not be less than 50%.
The interest rate of the second suite has also changed, which is higher than that of 1 suite, and will basically be calculated according to the profit of 1. 1 multiplied by 1 suite. The down payment ratio of using the housing provident fund loan to purchase the second suite is not less than 50%.
What should I pay attention to when buying a second suite?
1, purchase method
At present, most property buyers buy houses by loans, and there are three ways to buy houses by loans. I believe everyone wants to use provident fund loans, so property buyers should pay attention to the relevant regulations on buying second suites and using provident fund. Under normal circumstances, when buying the first suite, if the buyer has used the provident fund loan, but the provident fund loan has not been paid off, then when buying the second suite, the buyer cannot use the provident fund loan or use the provident fund to repay the mortgage.
2. Pay attention to the bank loan regulations
If a property buyer wants to buy a second suite through a bank loan, before buying a second suite, he/she should know the relevant provisions of the loan to buy a second suite from the bank in detail, including the interest rate of the first home loan, the interest rate of the second home loan, the interest rate of new commercial housing and the interest rate of second-hand housing. Don't underestimate these points, which determine how much you will repay in the future, thus affecting the quality of life in the future.
3, see the seller or developer requirements
Buying a second-hand house can also choose a second-hand house. If you buy a second-hand house, some sellers will have some special rules for buyers. Buyers must ask in advance. If you buy a new house, some developers will also restrict property buyers from applying for loans. Although in principle, buyers can choose any bank to apply for a loan to buy a house, many developers have their own cooperative loan banks, which will be very resistant to the slow loan method.
What is the down payment ratio of Fuzhou 202 1 second suite? What problems should be paid attention to when buying a second suite are here. Down payment is the most critical issue in the process of buying a house. Everyone should pay attention to the down payment on weekdays, and there are also high requirements for the down payment of the second suite. Therefore, after you have the plan to buy a house, you should correctly treat the problem of buying a house.