Due to the development and urbanization of cities and the expansion of some cities, the housing with rigid demand is bound to become in the process of development, and the price is always at a high level in the market. Even though the state has been promulgating various "National N Articles" to regulate housing prices, the effect is not great. Among the five detailed rules of China published some time ago, the one that caused the most discussion about levying 20% personal income tax on sellers in the sale of second-hand houses caused widespread controversy.
The introduction of this law may be motivated by cracking down on investment-oriented housing purchases, but whether it will also crack down on buyers with improved demand, whether the rental price of housing will be too high, and whether it can supervise the transfer of personal income tax remains to be discussed. It is worth noting that during the two sessions, a proposal was put forward to exempt or refund personal income tax for sellers who hold the only property as residential property and buy new houses within one year after selling their houses, which protects the interests of improved housing to some extent.
China's latest five rules, the second-hand housing down payment may also increase the down payment ratio. The requirement of the central bank is to support the credit demand of small and medium-sized ordinary commercial houses and government land reserve institutions and increase the effective supply of the market. During the formulation of Article 5 of China, it was revealed that the down payment ratio of the second home loan may be raised to 70% and the interest rate may be raised to 1.3 times in some cities where house prices are rising too fast. The local rules on Article 5 will be promulgated at the end of March.
The introduction of "National Five Articles" is mainly to curb real estate investment speculation. Since 20 13, housing prices in first-tier cities such as Beijing, Guangzhou and Shenzhen have rebounded sharply, and panic and speculative purchases have occurred from time to time. All these need to curb the demand for speculative housing by increasing credit and strengthening control.
At present, ICBC and China CITIC Bank can still apply for a down payment of 30%, and the interest rate of the first home loan is 15%. Banks such as Bank of China, Agricultural Bank of China and China Construction Bank have raised the preferential interest rate of the first home loan to 10%. It will become more and more difficult to buy a first suite or a second suite with a loan in the future.
Now most people buy second-hand houses by means of loans, so we should consider down payment. How to calculate the down payment for second-hand houses? What is the down payment ratio of second-hand houses? How to calculate the down payment for second-hand houses?
The so-called second-hand house down payment refers to the amount that the buyer should pay in one lump sum when buying a second-hand house, except the bank loan. The down payment is calculated as follows:
Net down payment = actual transaction price-customer loan amount (net down payment: excluding state taxes and intermediary service commission)
Loan amount = appraised price of second-hand house ×80% (the first loan amount can reach 80%). The approximate evaluation price can be estimated by using the contract price ×85%.
It is worth noting that in second-hand housing transactions, the down payment ratio of second-hand housing needs to be negotiated with the landlord, generally 20% to 30%. There are several situations for down payment, which can be decided according to your own situation:
1. Under normal circumstances, if the family does not have a loan, or does not need the cooperation of the family to repay, if the family has good qualifications, it needs to apply for an 80% loan from the bank, and a 20% down payment can be made (20% loan requires high qualifications).
2. If the last one has a loan and the percentage is high, the next one needs to cooperate to repay the loan. For security reasons, you can choose to take the fund supervision process and pay 30% down payment.
3. If the next family has the ability to pay in one lump sum, they can pay in one lump sum when signing the contract, so there is no down payment problem. Under normal circumstances, the bank needs to see the receipt of the house payment issued by the landlord except for the loan, in order to approve the loan successfully. Therefore, the down payment ratio of second-hand houses depends more on the agreement between buyers and sellers.
The above is the relevant answer to the down payment for buying a second-hand house with a loan, and I hope it will help everyone.
(The above answers were published on 20 15- 10-27. Please refer to the actual situation for the current purchase policy. )
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