The minimum down payment ratio for purchasing the first home loan is 20%.
The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%;
For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.
The down payment ratio for buying a second home loan dropped to 40%
For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%.
Second suite identification standard:
First, I bought a suite with a loan, and then I bought a house with a loan after the commercial loan was settled-the first set. If the loan is not settled-two sets.
Two, there are two sets of commercial loan records in the name of the individual, one set has been paid off and the other set has not been paid off. At this point, the refinancing was identified as more than two suites.
Three, one of the husband and wife to buy a house before marriage to use commercial loans, the other party to buy a house before marriage to use provident fund loans, after marriage, the two want to use loans in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status; If the loan is not paid off-it is more than two suites.
Fourth, I bought a suite in full and bought a house with a loan-the first set.
5. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.
Six, the local housing registration system does not have the query conditions, the bank due diligence to verify that the buyer has a house, and then loan to buy a house-the first set.
Seven, there are two sets of commercial loan records in the name of the individual, both of which have been paid off and sold, and two sets of housing sales certificates can be provided at the same time. In this case, when re-lending, the first set.
Eight, a suite of commercial loans have been paid off, and another set of provident fund loans have also been paid off. Apply for a commercial loan before buying a house-the first set.
Nine, husband and wife, one party has a house before marriage but no loan record, the other party has a loan record before marriage but no real estate under its name, and buys a house and applies for a loan after marriage-the first set is counted.
10. I bought more than two houses with a loan and later sold them. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set.