What is the down payment ratio for buying a second suite in Guigang?
1. According to the adjustment of the new mortgage policy, the detailed rules of the new mortgage policy require that the loan ratio and loan interest rate of the second suite should be further increased, that is, the down payment ratio of the second suite should be increased under the new mortgage policy. According to the new data, the down payment ratio of the second home is raised from 60% to 70%, and the loan interest rate is raised to 1.3 times.
2. For families who purchase the first set of self-occupied housing with an area of 90 square meters or more, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; Significantly increase the down payment ratio and loan interest rate of the third and above housing loans, which shall be determined by commercial banks independently according to the principle of risk management.
3. Take the loan of 300,000 yuan and pay it off in 20 years as an example. If the house purchased by the borrower is the first suite, and the mortgage interest rate is calculated according to the current benchmark interest rate of 6.55% for loans over five years, then the borrower needs to repay 2,245.56 yuan per month, and the total interest to be paid after 20 years is 238,934.6438+08 yuan.
Can I buy a second suite with a provident fund loan in Guigang?
1. The provident fund management center only recognizes houses and does not recognize loans. The provident fund management center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans. If the purchaser applies for a pure provident fund loan, then as long as there is no room under the current name and the previously applied provident fund loan has been paid off, then no matter how many times he applied for the provident fund loan before, buying a house can still be regarded as the "first suite".
2. When using provident fund loans, individuals need to pay a certain amount of time before the loan, and be careful not to withdraw the provident fund. Due to different cities and places, if in doubt, you can call the housing provident fund hotline and add the area code of the corresponding city in front.
The above is the down payment ratio of buying a second suite in Guigang and whether you can use provident fund loans to buy a second suite in Guigang. If the first house has a loan and the loan has not been paid off, it is impossible to apply for a provident fund to buy a house if you buy a second suite. I hope I can help you.