The down payment ratio for a first home mortgage loan is 20-30 RMB, and the down payment ratio for a second home loan is 50-70 RMB. The execution interest rate is 1.1 times the benchmark interest rate. The down payment ratio will vary by region.

The first-hand mortgage package, actual mortgage interest rate, mortgage ratio and mortgage period are ultimately subject to bank approval; (Generally speaking: first home loan, ordinary housing down payment is not less than 30, and the benchmark interest rate is implemented ; The down payment for second-home loans shall not be less than RMB 60, and the base interest rate shall be increased by RMB 10; third-home loans are not allowed.

Currently, when buying a house with a loan, there is a big difference in the calculation of the loan down payment when buying a new house and buying a second-hand house. . When applying for a new home loan, the down payment is based on the market price at the time of purchase, and the loan ratio is determined based on the number of personal loans and the creditworthiness of the personal loan.

And with the new home loan. The difference is that when applying for a second-hand house loan, the "second-hand house appraisal price" is used as a reference. The so-called appraisal price is calculated based on the property value assessment by a professional appraisal agency designated by the bank.

Generally, the appraised price of second-hand houses is lower than the market value. The appraised price is mostly 80-90% of the market value of second-hand houses, and some houses will be even lower.