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As a ready-made house, the house is there, buyers can really see the real thing, and the supporting facilities around the second-hand house are already perfect. Therefore, many people choose to buy a second-hand house instead of a new one when buying a house. Usually second-hand people are more concerned about the down payment of second-hand houses. Next, Bian Xiao will introduce you to the minimum down payment for second-hand houses.

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If the first second-hand house is purchased, and the construction area of Xing Tao is less than 90 square meters, the down payment ratio shall not be less than 20%; Families (including spouses, borrowers, etc.) who purchase the first set of second-hand commercial housing with a construction area of more than 90 square meters are generally not less than 30% of the down payment of loans according to regulations; For families who purchase a second-hand commercial housing by loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be lower than the benchmark interest rate or above. Banks basically do not handle loans.

What are the procedures for buying and selling second-hand houses?

1, property right review before sale

Check the owner's real estate license carefully. For example, pay attention to how many people have signed the real estate license. If there are two people, you need to have their names when signing the contract later, and then look at the relevant evidence when buying a house, such as acknowledging the ownership of the house.

2. Salary

After the property right of the house is confirmed, you can pay the deposit. If the house is still mortgaged, the deposit will be supervised by a third party. The agreement shall indicate that "if it is handed over to a supervised third party, it shall be deemed that the seller has received it, and if it is not received, it shall be deemed that the seller has breached the contract".

Bian Xiao's conclusion: The above content is about the minimum down payment for second-hand houses. I hope I can help you get the minimum down payment for second-hand houses. If there is demand in the future, you can refer to it.

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Second, what is the minimum down payment for second-hand houses?

According to different situations, the down payment ratio of second-hand housing loans will be different. Take the buyer's first loan as an example, if the down payment ratio is at least 20%, then the corresponding down payment of second-hand housing loans can be calculated by the formula: down payment = 20% of the appraised price of second-hand housing.

1, seller's factor 1) Purchase the house in full or pay off the bank mortgage. If the buyer does not have much money, but the credit status is good, generally only 20% down payment is needed as the down payment of second-hand housing loans. 2) The mortgage has not been paid off, and the buyers are required to cooperate with the repayment. According to the credit status of buyers, the general down payment is 30%. In addition, it is suggested to take the fund supervision procedure to avoid losses due to some reasons.

2. The property buyer factor 1) has sufficient funds to pay off the house payment in one lump sum. Of course, this situation does not involve the down payment. 2) The buyer is short of funds and needs a loan. This depends on whether there is real estate under the name of the purchaser. There are several attributes. (1) If there is no house under its name, or there is no property with outstanding loan, then the second-hand house purchased is the first suite, subject to the evaluation price, not the market price. If some cities have introduced policies to restrict purchases and loans, the local policies shall prevail. (2) There is still a set of property under the name that has not paid off the loan, so the second-hand house purchased is the second suite. Apply for a loan, the down payment ratio shall not be less than 30%. The corresponding loan interest rate will also rise. (3) If there are two properties under the name of the purchaser and they are all repaying normally, you can't apply for a loan to buy a second-hand house.

3. Second-hand housing factors If the purchased second-hand housing lots are not good and the housing age is high, some banks will also increase the down payment ratio and loan interest rate. Note: The down payment of second-hand housing loans needs to be analyzed according to the specific situation of buyers and sellers. Of course, it is also directly related to the policy of the city where the purchaser is located and the bank credit policy. It is suggested that buyers with little money on hand should first understand the specific policies and the seller's situation, so as not to affect the loan approval when applying for second-hand housing loans.

The content of this article comes from: Questions and Answers on Home Decoration Knowledge of Building Industry Press.

3. What is the general minimum down payment for second-hand houses?

1. If an individual purchases two or more houses and the first house, whether it is a first-hand house or a second-hand house, the minimum down payment ratio is 30%.

1. Individuals purchase more than two houses and choose provident fund loans;

2. The minimum down payment ratio is 20%

3. Choose commercial loans with a minimum down payment ratio of 40%, commercial loans with a minimum down payment ratio of 30%, provident fund loans, and individuals buying the first home;

Second, the down payment of second-hand houses is related to the first two sets, ordinary houses or non-ordinary houses. Commercial loans need 35% down payment for the first ordinary housing and 40% for the first non-ordinary housing; Two ordinary houses need 60% down payment, and two non-ordinary houses need 80% down payment.

Extended data:

(1) Personal housing loans refer to loans issued by banks with purchased houses as collateral, including mortgage loans for forward houses and existing houses. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.

(2) Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.

(3) Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.

(4) Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.