It is true that the down payment ratio of Shenyang second suite is adjusted to 40%. The Shenyang Real Estate Bureau and the Business Management Department of Shenyang Branch of China People's Bank issued a notice to adjust the minimum down payment ratio of mortgage. The notice pointed out that in order to support the just-needed and improved housing demand, combined with the actual situation of Shenyang real estate market, the minimum down payment ratio for households to buy a second home loan is now adjusted from 50% to 40%, and the banking institutions will negotiate with customers on an equal footing according to the principles of marketization and legalization.

What should I do if I buy a second suite in Shenyang with insufficient down payment?

1. Use provident fund: At present, most of my friends have paid personal provident fund. If you pay too much personal provident fund, you can consider subsidizing the down payment with the provident fund when the down payment is not enough. However, it should be noted that if the provident fund loan is used, it is necessary to pay attention to the time difference of withdrawing the provident fund so as not to affect the provident fund loan. Property buyers can withdraw the balance from the provident fund account, but they should pay attention to the conditions for withdrawing the provident fund, which can also solve the urgent need.

2. Handling mortgage loans: In addition to mortgage business, banks can actually handle mortgage loans now. If the buyer has other assets recognized by the bank, such as other properties, he can mortgage the existing properties to obtain funds, and then use them to pay the down payment. This is a very common way. Usually, the amount of mortgage loans is very high.

3. Ask for help from parents: Nowadays, young people are still under great pressure. If they encounter difficulties in buying a house, they can also try to ask their parents for help. Although everyone should not ask their parents for money after coming out to work, they can borrow some from their parents if the down payment is not enough when buying a house.

4. Re-choose a house: If it is really not possible, buyers can only change their purchase goals and try to reduce the cost of buying a house, so that the down payment will also be reduced. The amount of down payment has a lot to do with the house you choose. If the above methods can't help everyone, then everyone can only consider buying a smaller house or a house with a slightly worse location, which can save the cost of buying a house and the down payment.