Common loan methods include provident fund loans and commercial loans. According to the first suite, the general use of provident fund loans down payment 20%, commercial loans down payment 30%, different cities will be different. So, how much is the down payment for the first suite in Hengyang? What is the standard for Hengyang to identify the first suite? Common loan methods include provident fund loans and commercial loans. According to the first suite, the general use of provident fund loans down payment 20%, commercial loans down payment 30%, different cities will be different. So, how much is the down payment for the first suite in Hengyang? What is the standard for Hengyang to identify the first suite?

What is the standard for Hengyang to determine the first suite?

1, the loan has already bought a suite, the commercial loan has been settled, and then the loan is used to buy a house, which is the first suite.

I bought a suite with a loan and later sold it. 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, which is the first suite.

3. I bought a suite in full and bought a house with a loan, which is the first suite.

4. 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, which was the first suite.

5. There are commercial loan records of two suites in the name of the individual, which have all been paid off and sold, and at the same time, they can provide proof of selling two houses. In this case, when refinancing, the first suite is counted.

6. A commercial loan in the name of an individual has been paid off, and another provident fund loan has been sold. At the same time, you can provide proof of house sale, apply for a commercial loan and buy a house, which is the first suite.

7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to borrow money 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, and calculate the first suite.

How much is the down payment for the first suite in Hengyang?

Policy: For families (including borrowers, spouses and minor children) who purchase the first set of self-occupied housing with a construction area of over 90 square meters, the down payment ratio of loans shall not be less than 30%. Status quo: Commercial banks generally require a down payment of 30% or more for the first home loan, while the situation of the first home loan for provident funds varies from place to place. Some cities have a down payment of 20% and a total down payment of more than 30%.

The above is the relevant content of the down payment of the first suite in Hengyang and what is the identification standard of the first suite in Hengyang. If you have any objection to the identification of the first suite, you can go to the relevant local department to issue a certificate of the first suite, which is also the standard for the identification of the first suite.