1, down payment policy for commercial loans to buy a house
If a family purchases the first home with a housing area of less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 30%. If a family purchases an improved second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate. If it is the third or above house purchased by the family, the bank will not handle the commercial housing loan business.
2, provident fund loans to buy a house down payment policy
If a family purchases the first home with a housing area of less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%. If the housing area exceeds 90 square meters, the down payment ratio of the loan shall not be less than 30%. If a family purchases an improved second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate.
3. The loan amount is insufficient.
There are many restrictions on the amount of housing loans, such as the age of the loan applicant, income, repayment ability, the number of years of the property, etc., which will affect the final loan amount. In addition to the loan amount that banks can apply for, the rest needs to be raised by buyers themselves. Therefore, in the case of insufficient loan amount, the remaining insufficient house payment should also be included in the down payment, and the down payment ratio of house purchase should be increased accordingly.
Abstract: The above is the answer to "What are the new down payment policies for 20 18", hoping to bring some reference help to friends in need. For more housing loan information, please continue to pay attention to other related introduction information of Qijia. Com or go to the local financial institution to ask the staff for advice.