First, the down payment ratio of the first suite in Zhengzhou is 2020.
1. The down payment ratio of the commercial loan for the first suite of Zhengzhou New House is 30%. If the down payment ratio of the first home provident fund loan is less than 90 square meters, the down payment ratio of the provident fund loan shall not be less than 20%. Over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%.
2. At present, the lower limit of the interest rate of the first home loan in Zhengzhou can be extended to 0.7 times the benchmark interest rate of the loan, and the low down payment ratio can be adjusted to 20%. The interest rate of individual housing provident fund loans for the first suite in Zhengzhou was lowered by 0.27 percentage points.
3. When using the housing provident fund loan to purchase the first ordinary self-occupied housing in Zhengzhou, the down payment will be 20%; The family owns a house and has settled the loan. When applying for housing provident fund to buy a house again, the down payment is 30% lower.
Second, Zhengzhou first home loan interest rate 2020
1. At present, Zhengzhou implements the housing purchase restriction policy. The restricted areas are the five districts of Zhengzhou, Zhengzhou Airport Economic Comprehensive Experimental Zone, Zhengdong New District, Zhengzhou Economic Development Zone, Zhengzhou High-tech Zone, xinzheng city, Xingyang and zhongmou county. So this involves the specific content of Zhengzhou first home loan interest rate 2020.
2. According to the benchmark annual interest rate of loans announced by the People's Bank of China, the interest rate of commercial loans for the first home in Zhengzhou is as follows:
(1)0-6 months (inclusive), with an annual interest rate of 4.35%;
(2)6 months to 1 year (inclusive), with an annual interest rate of 4.35%;
(3) 1 to 5 years (including 5 years), with annual interest rate of 4.75%;
(4)5 to 30 years (including 30 years), with annual interest rate of 4.90%;
(The loan interest rate needs to be comprehensively priced in combination with business types, credit status, guarantees and other factors, and can only be determined after being approved by the handling outlets. )
3. In addition, if you buy the first suite in Zhengzhou, you can also use the provident fund loan, and the interest rate is lower than that of commercial loans:
Loan time: less than five years (including five years), annual interest rate: 2.75%.
Loan time: more than five years, annual interest rate: 3.25%.
3. How many years can the first suite in Zhengzhou be sold?
1. Buy the first suite in Zhengzhou, as long as it is a house with complete five certificates. But whether it is five years is related to the specific resale charges.
(1) The real estate license is divided into five years and beyond. If you want to buy a real estate license within five years, you need to pay 5.55% business tax and 1% personal income tax.
(2) If the house is five years old, you don't have to pay these taxes. Specifically, you need to consult Zhengzhou local housing management bureau.
2.20 17 Zhengzhou stipulates that houses traded after May 3, 20 17 must be traded for at least three years, depending on the time when the online purchase contract is signed.
3. Therefore, after buying the first suite in Zhengzhou for 3 years, you can buy and sell with complete five certificates. If you buy it for 5 years, you don't need to pay 5.55% business tax and 1% personal income tax.
The above is about
The down payment ratio of the first suite in Zhengzhou is 2020, and the loan interest rate of the first suite in Zhengzhou is 2020. I hope I can help you. Interested friends can also check it out.