What is the minimum down payment for a small apartment? The requirements of modern small families for housing are: not only affordable, but also affordable. This includes not only pre-purchase expenses, such as purchase price, deed tax, maintenance fund, etc. , but also consider the operating costs of the later residence, such as heating costs, property costs, etc. These expenses are mainly calculated according to the construction area. Therefore, choosing a small apartment will reduce the living expenses in the early and late stages, and the minimum down payment for buying a small apartment will also be reduced.
The down payment ratio of a suite is not fixed, and the down payment ratio of the first suite varies from place to place. According to the existing first suite implementation standards:
1. The down payment ratio of commercial loans for new houses is 30%.
2. The down payment ratio of provident fund loans is: the down payment ratio of provident fund loans below 90_ (inclusive) for the first suite shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90_ (inclusive) shall not be less than 30%.
3. The central bank and the China Banking Regulatory Commission issued a notice requesting that the minimum down payment ratio of the first home loan be adjusted to not less than 25% in cities that do not implement purchase restrictions.
Prices of small-sized houses in first-tier cities, average prices in second-tier cities and average prices in third-tier cities. The price of small apartment in Beijing is about 20,000 yuan/square meter-120,000 yuan/square meter;
Shanghai small apartment price: 10000 yuan/square meter-100000 yuan/square meter or so;
Guangzhou small apartment price: 4000 yuan/square meter -60000 yuan/square meter or so;
Small apartment price in Shenzhen: 20,000 yuan/square meter-80,000 yuan/square meter;
The price of small apartment in Tianjin is about 10000 yuan/square meter -40000 yuan/square meter.
Small apartment price in Chengdu: 3,000 yuan/square meter-50,000 yuan/square meter;
Small apartment price in Chongqing: 20,000 yuan/square meter-60,000 yuan/square meter;
The price of small apartment in Nanjing: 8,000 yuan/square meter-60,000 yuan/square meter;
The price of small apartment in Wuhan home: about 3000 yuan/square meter -40000 yuan/square meter;
Xi' an small apartment price: 3000 yuan/square meter -20000 yuan/square meter or so.
The price of small apartment in Zhuhai: 10000 yuan/square meter-about 30000 yuan/square meter;
The price of small apartment in Quanzhou home: about 4000 yuan/square meter -40000 yuan/square meter;
Small apartment price in Guiyang: 4,000 yuan/square meter-30,000 yuan/square meter;
The price of small apartment in Wenzhou home: about 6000 yuan/square meter -50000 yuan/square meter;
Small apartment price in Baoding: 5,000 yuan/square meter-20,000 yuan/square meter.
For more details of housing prices, the average price of commercial apartments in first-tier cities is 17000 yuan/square meter in Beijing, 15000 yuan/square meter in Shanghai, 8000 yuan/square meter in Guangzhou and 30000 yuan/square meter in Shenzhen. Square meters-70,000 yuan/square meter The price of small commercial apartments in Tianjin is 70,000 yuan/square meter-30,000 yuan/square meter. The average price of small commercial apartments in Chengdu is 5000 yuan/square meter -40000 yuan/square meter. The price of a small business apartment in Chongqing is 5,000 yuan/square meter-20,000 yuan/square meter. The price of commercial small apartment in Nanjing is 7000 yuan/square meter -40000 yuan. The price of small commercial apartment in Wuhan is around 5,000 yuan/square meter-20,000 yuan/square meter. The price of commercial small apartment in Xi 'an is about 5000 yuan/square meter-15000 yuan/square meter. The average price of small commercial apartments in Zhuhai is around 20,000 yuan/square meter-40,000 yuan/square meter. The price of small commercial apartment in Quanzhou is about 8,000 yuan/square meter-1.5 million yuan. The price of a small commercial apartment in Guiyang is about 4000 yuan/square meter -25000 yuan/square meter. The price of a small commercial apartment in Wenzhou is about 6000 yuan/square meter -20000 yuan/square meter. The price of a small commercial apartment in Baoding is about 8000 yuan/square meter-12000 yuan/square meter. The average price of small shops in first-tier cities is 30,000 yuan/m2-50,000 yuan. The price of small-sized shops in Shanghai is around 20,000 yuan/square meter-320,000 yuan/square meter. The price of small-sized shops in Guangzhou is around 7000 yuan/square meter -50000 yuan/square meter. The price of small apartment shops in Shenzhen is about 1 10,000 yuan/square meter-70,000 yuan/square meter. The price of small-sized shops in Tianjin is about 1 ten thousand yuan/square meter-80 thousand yuan. The average price of second-tier cities is about 5,000-50,000 yuan /m2 in Chengdu, 2,500-40,000 yuan /m2 in Chongqing, 0-45,000 yuan /m2 in Nanjing/kloc and 4,500-50,000 yuan /m2 in Wuhan. Square meters-20,000 yuan/square meter The average price of third-tier cities is about 65,438 yuan+0,000 yuan/square meter for small-sized apartments in Zhuhai, 6,000 yuan/square meter for small-sized apartments in Quanzhou and 7,000 yuan/square meter for small-sized apartments in Guiyang. Square meter-about 35,000 yuan/square meter The price of small-sized shops in Baoding is about 8,000 yuan/square meter-18,000 yuan/square meter Tips:
1. Different regions have different definitions of small-sized units, and the above data all take 70 square meters and below as the range of small-sized units;
2. The above data are only estimated prices, and the data is up to 20 1 165438+20061October 30, mainly published by enterprises;
3. The price difference in different regions of the city is quite large, and the above is only part of the city price;
4. The above data are compiled from Sohu Focus Network.
How to choose a small apartment? Know your income. Buyers must know their income and consumption level, make a careful evaluation of their own property, understand the way of handling mortgage loans, and find out the corresponding lots and properties according to their own economic ability.
Looking for suitable housing, consider lots, floors, total area, unit price, total price and other factors. It's best for owners to know more about it and choose the right housing in combination with their workplace, transportation, real estate brand and so on.
As an investment product, we should try our best to choose those small apartments in the central area of the city, which are densely populated, with high land price cost and great appreciation potential. Buying a small apartment in the business circle has a better appreciation space. In addition, the surrounding traffic and supporting facilities should be complete.
Recognize whether the house type is a 40-year commercial property right or a 70-year property right project. Generally speaking, the land use of 40-year property rights projects is mostly commercial, and the later living cost is more expensive than the residential nature of 70-year property rights.
For one or two people living in a one-bedroom apartment, the area should be limited to the basic space scale that conforms to ergonomics. Whether the distribution design, area and scale of each functional space are appropriate is the key to the quality of small apartment.
Looking for a developer, you should choose a big developer with high reputation and popularity. Powerful developers are generally guaranteed in architectural design and construction quality, and various hardware facilities in the community are relatively perfect, which is conducive to future rental and lays the foundation for property appreciation.
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