At present, the down payment ratio for buying a house in Beijing is related to the qualifications of the home buyer and the basic situation of the house purchased. If you are buying your first home, the down payment ratio for a regular house is 35%, and for a non-common house is 40%; if it is a second home, the down payment ratio for a regular house is 60%, and for a non-common house, it is 80%.

The first two sets of judgment criteria: recognize the house and the loan, recognize the house in Beijing and the loan record nationwide. If you don’t own a house in Beijing and have no mortgage loan record nationwide, buying a house in Beijing is considered your first home. If one of the above conditions is not met, it will be considered your second home.

The following are the criteria for identifying ordinary houses and non-common houses

The identification standards for ordinary houses that enjoy preferential tax policies in Beijing are as follows:

1. Residential community buildings The floor area ratio is above 1.0 (inclusive);

2. The building area of ??a single unit is below 140 square meters (inclusive)

3. 1.2 times.

Among them, the average transaction unit price or total price of housing in the area is determined based on the average transaction unit price or total price of housing in the city, combined with the regional adjustment coefficient. According to the ordinary housing identification standards adjusted in 2014: within the Fifth Ring Road, the unit price is 39,600 yuan/square meter, with a total price of 4.68 million yuan; from the fifth to the sixth ring road, the unit price is 31,680 yuan/square meter, with a total price of 3.74 million yuan; outside the sixth ring road, The unit price is 23,760 yuan/square meter, and the total price is 2.81 million yuan. The unit price and total price only need to meet one of the two criteria.

Houses that meet all the above qualifications can be regarded as ordinary houses, and those that do not meet any of the above conditions are regarded as non-general houses. Judging from the current real estate situation in Beijing, most of the houses are non-common houses.

Based on the phone call with you, I learned that your daughter’s family currently owns a house in Beijing and continues to hold it, so buying a house in Beijing again counts as a second house, and the down payment ratio is 60 or 80.