1. What is the new down payment policy for second homes in Guangzhou in 2020

Calculate how much it will cost to decorate your home. With the improvement of people’s living standards, more and more people plan to purchase a second home in Guangzhou. Buying a house in Guangzhou. So here’s the question, do you know what the new down payment policy for second homes in Guangzhou is in 2020? What should you pay attention to when buying a house in Guangzhou? Come with me to find out. The new down payment policy for the second home in Guangzhou in 2020 is based on the Guangzhou policy: If the second home has not taken out a loan or paid off the loan, then the down payment for the second home is RMB 30. Of course, if there is an outstanding loan for the first house, the down payment for the second house will be 70. In addition, if you choose a commercial loan, the down payment for the second home is 70, while the down payment for the second home with a provident fund loan is 60. What are the things to note when buying a house in Guangzhou 1. Social security or personal tax back payment When buying a house in Guangzhou, social security or personal tax must be paid continuously for five consecutive years, and no back payment is allowed. If foreigners do not meet the conditions for social security, they can check whether they meet the conditions for personal income tax. If neither of the two conditions are met, you can buy a house in an area without purchase restrictions, or apply for a Guangzhou collective household registration to buy a house. 2. The problem of loan down payment. I believe friends who have experience in buying a house know that Guangzhou implements "recognize the house and subscribe for the loan". Among them, house recognition refers to the lender’s local residential status in Guangzhou. Subscription loan, as the name suggests, refers to the lender's residential loan status in my country. For example: If a foreigner has an unpaid mortgage in another province or city, the down payment when buying a house in Guangzhou must not be less than 70. Of course, if the loan in another province or city has been paid off, then when buying an ordinary house locally, the down payment must not be less than 40. In addition, if the foreigner's household registration is only 1 house in Zengcheng or Conghua, then regardless of whether the loan is paid off or not, the full payment must be made to buy a house in Guangzhou. 3. When looking for an intermediary agency, you must find a reliable intermediary agency, and cannot find an intermediary agency without any qualifications, otherwise the rights and interests of home buyers cannot be protected. 4. Purchase quantity Of course, if you want to buy more properties, it is recommended that you choose cities such as Zengcheng that do not implement purchase restrictions. 5. Before buying a house, everyone should settle in Guangzhou as much as possible, so that you can enjoy the local house buying benefits. Editor’s summary: After reading the above introduction, I believe everyone has a better understanding of the new down payment policy for second homes in Guangzhou in 2020. If you want to know more relevant information, please continue to pay attention to our website, and we will present you with more exciting content in the future. Enter the area and get a free decoration quote

2. How to apply for the Guangzhou brand in 2020?

1. Applicants must be citizens whose residence is in Guangzhou.

2. There is no small or medium-sized passenger car registered in Guangzhou.

3. Hold a valid motor vehicle driving license.

4. There is no license plate renewal indicator under the name.

5. After not obtaining indicators through the license plate lottery system within two years, the behavior of not using the indicators within six months.

3. What is the new down payment policy for second homes in Guangzhou in 2020

Calculate how much it will cost to decorate your home

With the improvement of people’s living standards, Overnight. So here’s the question, do you know what the new down payment policy for second homes in Guangzhou is in 2020? What should you pay attention to when buying a house in Guangzhou? Come with me to find out.

Guangzhou’s new down payment policy for second homes in 2020

According to Guangzhou policies: If the second home has not received a loan or paid off the loan, then the down payment for the second home is 30. Of course, if there is an outstanding loan for the first house, the down payment for the second house will be 70. In addition, if you choose a commercial loan, the down payment for the second home is 70, while the down payment for the second home with a provident fund loan is 60.

Notes for buying a house in Guangzhou

1. Social security or personal tax back payment

When buying a house in Guangzhou, social security or personal tax must be paid for five consecutive years. If the person who has not come here has social security If the conditions are not met, you can go to the unrestricted area to buy a house, or apply for a Guangzhou collective household registration to buy a house.

2. Loan down payment issue

I believe that friends who have bought a house know that Guangzhou implements "recognize the house and subscribe for the loan". Among them, house recognition refers to the lender’s local residential status in Guangzhou. Subscription loan, as the name suggests, refers to the lender's residential loan status in my country. For example: if a foreigner lives in another province, the down payment must not be less than RMB 70.

Of course, when buying an ordinary residence locally, first of all

In addition, if the foreigner's household registration is in Zengcheng or is not settled, the full payment must be made to buy a house in Guangzhou.

3. Find an intermediary agency

You must find a reliable intermediary agency, and cannot find an intermediary agency without any qualifications, otherwise the rights and interests of home buyers cannot be protected.

4. Purchase quantity

Of course, if you want to buy more properties, it is recommended that you choose cities such as Zengcheng that do not implement purchase restrictions.

5

Before buying a house, everyone should settle in Guangzhou as much as possible, so that you can enjoy the local house-buying benefits.

The editor summarizes that we also have a better understanding of the new down payment policy for second homes in Guangzhou in 2020. For more relevant information, please continue to read more exciting content.

Enter the area and get a free decoration quote

4. How much is the down payment for a second house in Guangzhou?

The current provident fund loan policy in Guangzhou remains unchanged. The down payment for the first home is still 20%, the down payment for the second home is still 60%, and the loan limit has not changed. So let’s explain what the second suite specifically refers to. The second home refers to the second home purchased under our name. The down payment ratio for the second home refers to the down payment of the mortgage loan when people purchase a second ordinary residence. The loan amount for a second home is much lower than that for a first home. According to my country's new policies, borrowers with first-time home loans can borrow up to 70% of the purchase price, with a down payment of 30%. Provident fund loans can require as low as 20% down payment, but borrowers with second homes can only borrow up to 60% of the purchase price, with a down payment of 40%. The specific loan amount is also linked to the borrower's qualifications.