The first suite is generally 20%, and the second suite is generally 50%.

The lender submits a written application to the bank and truthfully provides the following information:

Proof of deposit of housing provident fund of the applicant and spouse;

Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;

Proof of stable family income;

Valid documents such as purchase contract and agreement;

Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

The Provident Fund Center requires the third-party guarantor to guarantee and pay the guarantee fee, which is paid by the borrower, the lender and the contract;

Other information required by the provident fund center.

Second, the down payment ratio of the second suite of Tianjin Provident Fund

If a household applies for a commercial personal housing loan to buy a second home, the minimum down payment ratio is 40%.

According to the website of Tianjin Municipal Commission of Housing and Urban-Rural Development, seven departments, including Tianjin Municipal Commission of Housing and Urban-Rural Development, issued the Notice on Further Improving the Real Estate Regulation Policy to Promote the Healthy Development of the Real Estate Industry on June 16, and improved the housing credit policy from two aspects: the down payment ratio of housing loans and interest rates.

The first is to optimize the down payment ratio of housing loans. For households with no personal housing loan records and no housing in Tianjin, the minimum down payment ratio is 30% if they apply for a commercial personal housing loan to buy the first home. Residents who have settled their housing loans and have no housing in Tianjin apply for commercial personal housing loans to buy houses, and the first home loan policy is implemented. If a household applies for a commercial personal housing loan to buy a second home, the minimum down payment ratio is 40%.

The second is to implement the preferential policy of national mortgage interest rate. For households who purchase ordinary housing by loans, the lower limit of the interest rate of the first set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding regular loan market minus 20 basis points, and the lower limit of the second set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding regular loan market plus 60 basis points. Unless otherwise stipulated by the state, the latest policy shall prevail.

In terms of supporting the demand for improved housing, the Notice clarifies that families with members aged 60 or above and families with two or more children can purchase 1 apartment on the basis of the original housing purchase restriction policy in Tianjin. Families who raise their own affordable rental housing 1 apartment through the Tianjin affordable rental housing development platform, and the lease term is not less than 5 years, can purchase 1 apartment on the basis of the original housing purchase restriction policy.

If a resident family sells 1 house after the number of houses held in the restricted housing area in Tianjin reaches the limit, it can buy 1 house again, but the total number of family houses shall not exceed 2. Residents' family houses are expropriated by the people's governments at or above the municipal level due to the construction of major urban infrastructure projects, and they can purchase houses with the expropriation agreement. If the price of newly purchased houses does not exceed the housing compensation, the deed tax shall be exempted; If the price of newly purchased houses exceeds the housing compensation, the deed tax shall be levied on the excess.

3. What is the down payment for the first and second suites in Tianjin?

Tianjin recognizes housing and loans. If you don't have a house under your family name in Tianjin and have no mortgage record in the whole country, buy a house in Tianjin according to the first set of calculations. A house, 30% down payment, loan according to the age of the house. The longest commercial loan is 25 years, and the longest provident fund loan is 20 years.

If Tianjin is a family, there is a house and a commercial house under its name, or there is no house under its name but there is a mortgage record in the whole country, according to the calculation of the second house, the down payment for the second house is 60%.

4. What is the down payment ratio of provident fund loans for the first and second suites in Tianjin?

20% down payment for the first pure provident fund below 90 square meters, 30% down payment for the second set above 90 square meters and 50% down payment for the second set.