Mortgage interest rate, the first suite in Hangzhou. According to the latest regulations in Hangzhou, the first house can be loaned to the bank with a down payment of at least 30%. If we don't have a stable income and apply for a housing loan from the bank, we have to pay at least 60% down payment.
The first proportion of housing accumulation fund in Hangzhou. When we apply for housing provident fund loans, we will generally look at our purchase conditions. Determine the down payment of your first house according to the type of house. For example, we bought an ordinary house with a down payment of 30%. Those who can afford the first set of housing can enjoy the policy of 20% down payment.
Because the price of second-hand houses is relatively low, many people will buy second-hand houses. According to the relevant policies of Hangzhou housing provident fund loan, the age of the second suite we bought is no more than 20 years, and the down payment policy of 30% is implemented. If you want to buy a second-hand house for more than 20 years, you have to pay a down payment of 40%.
Relevant provincial regulations: Housing and Urban-Rural Construction Department, Finance Department, Construction Bureau of Xinjiang Construction Corps, Finance Bureau, branches of China People's Bank, business management department, city center branch of provincial capital, housing provident fund management committee of municipalities directly under the Central Government, and housing provident fund management center of Xinjiang Construction Corps. In order to further improve the individual housing loan system of housing provident fund and meet the reasonable housing needs of paid workers, families who own a house and have paid off their housing loans are required to improve their living environment. Beijing, Shanghai, Guangzhou and Shenzhen can independently determine the minimum down payment ratio as collateral according to the national unified policy and local actual conditions.