The number of mortgage sets, actual mortgage interest rate, mortgage percentage and mortgage life of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment of the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; Three suites are not allowed.
At present, when buying new houses and second-hand houses, there are great differences in the calculation methods of loan down payment. When applying for a new house loan, the down payment is based on the market price at the time of purchase, and the loan ratio is determined according to the number of personal loans and the credibility of personal loans.
Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price". The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property.
Generally, the appraisal price of second-hand houses is lower than the market price. The evaluation price is mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.