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With the rise of housing prices, many buyers now focus on second-hand houses, but now many cities have stricter backward policies and higher requirements for buying houses. What is the down payment ratio of the second suite in Changchun? What if the loan amount is not enough? Let's take a look with Bian Xiao!

1. What is the down payment ratio of the second suite in Changchun?

When buying a second suite in Changchun, the down payment ratio shall not be less than 40% of the appraised house price, which means that the value of buying a second suite is 2 million, and the down payment ratio shall not be less than 800,000. If the down payment ratio is lower than this standard, buyers will not be able to go through the loan procedures.

Second, what should I do if the loan amount is not enough?

1. In the process of buying a house with a loan, if the loan amount is not enough, you can consider using a combination loan, that is, a combination of commercial loans and provident fund loans. Compared with pure commercial loans, this loan method will have lower loan interest and can solve the problem of insufficient loan amount, but the procedures of combined loans are more complicated and the examination time is longer.

2. Some people's loan quota is insufficient because of problems such as bank credit or running water, which leads to the reduction of strict bank loan quota. In this case, you can consult other banks, because some banks are not particularly strict in loan review.

3. Some people in the process of applying for a loan, because of work or income problems, the bank thinks that the lender does not have the ability to repay the loan on time every month, thus reducing the loan amount of the lender. In this case, the lender may wish to increase the loan amount by increasing the guarantor.

Summary: The relevant issues of the down payment ratio of Changchun Second Suite Destruction Bureau are introduced here for everyone, hoping to help friends in need. Loan to buy a house has many procedures and complicated processes. Therefore, in the process of handling, everyone must consider their own actual situation and follow the process, so that the process of handling a loan will be smoother.

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2. What is the minimum down payment for the second house in Changchun?

The People's Bank of China and the China Banking Regulatory Commission jointly issued a notice on strengthening the credit management of commercial real estate on the evening of 27th. According to the "Notice", for those who have used the loan to purchase a house and applied for the purchase of a second (inclusive) house, the down payment ratio of the loan shall not be less than 40%.

3.202 1 Changchun Provident Fund What is the down payment ratio?

202 1. 10 month. The down payment ratio for purchasing the second suite shall not be less than 60%.

It is understood that, In order to further implement the notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission (Chang Fu Fa [20 10] 179) and the Implementation Opinions of Changchun Municipal People's Government on Further Implementing Macro-control Policies for Promoting the Sustainable and Healthy Development of the Real Estate Market in Our City (Chang Fu Fa [201KLOC) The adjusted policies and related matters are as follows: housing provident fund personal housing loans can only be used to pay for the purchase, construction, renovation and overhaul of ordinary self-occupied housing for employees and support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.

Fourth, Changchun Second Suite Down Payment New Deal 2022

The "Notice" proposes to support the demand for just-needed and improved home purchases. When individuals apply for commercial personal housing loans, the down payment ratio of the first set of just-needed housing loans will be restored from not less than 30% to 20%, and the down payment ratio of the second set of improved housing loans will be restored from not less than 40% to 30%. Adjust the lower limit of the first home loan interest rate to not less than the quoted interest rate of the loan market minus 20 basis points in the same period.

Changchun housing provident fund individual housing loan single maximum amount phased adjustment. Before 65438+February 3, 20221,the maximum loan amount for new commercial housing in Changchun was 900,000 yuan with * * * borrowers, 600,000 yuan without * * * borrowers, 700,000 yuan with * * * borrowers and 50% without * * * borrowers.