① If the first suite purchases a house through the commercial loan 1 time, the down payment shall reach 30% of the transaction price. Simply put, if the market transaction price of a house is 1 10,000 yuan, the down payment needs 300,000 yuan.
2 If the house area is 90 square meters or less, the down payment ratio is usually 20%; If the house area is more than 90 square meters, the down payment ratio is usually 30% of the transaction price of the house.
(3) At present, commercial loans in Xiamen include both housing and loans, which depends on whether there is real estate under the family name and whether there is a loan record under the family name. If there is a house and it has been sold, or the loan has been paid off before, record it.
There are also many precautions in the process of buying a house in Xiamen. For example, buying a new house depends on whether the developer has a pre-sale permit for commercial housing. If you buy a second-hand house, it depends on whether the landlord's procedures are complete and whether there is a mortgage.