According to many local intermediaries in Zhumadian, the down payment ratio for buying second-hand houses in Zhumadian is 30%, and some commercial loans for new housing projects have also started to implement the down payment ratio of 20%, depending on the situation of each building. "There are also properties with low down payment. The down payment can be paid to the developer in installments, and the down payment can be paid before delivery. "
It is worth mentioning that Zhumadian City, Henan Province issued the Opinions on Further Standardizing and Promoting the Stable and Healthy Development of the Real Estate Industry on February 2, 2020. At that time, Zhumadian issued the policy of 17 to stabilize the property market, and proposed to reduce the down payment ratio of residents. The minimum down payment ratio of the first home loan was reduced from 30% to 20%, making it the first city to announce the reduction of the down payment ratio of the first home that year. However, seven days later, the website of Henan Provincial People's Government released a message, and the provincial government interviewed the main responsible comrades of Zhumadian Municipal People's Government, insisting on "waiting but not speculating" and implementing the main responsibility. At the same time, the above-mentioned 17 policy on stabilizing the property market was withdrawn from official website, and the relevant staff of Zhumadian Housing and Urban-Rural Development Bureau said: The document has been withdrawn and implemented according to the original policy.
However, two years later, judging from the current sales situation of various buildings in Zhumadian, some projects also adjusted the down payment ratio to 20%.
It can be seen that the number of cities with lower down payment is increasing recently.
In addition to Zhumadian mentioned above, according to the monitoring data of the think tank center of Yiju Research Institute, up to now, at least seven cities across the country have experienced a downward adjustment in the down payment ratio, among which three cities have reduced the down payment ratio of provident fund, namely Beihai, Zigong and Nanning, and four cities have reduced the down payment ratio of commercial loans, namely Heze, Chongqing, Ganzhou and Foshan.
According to the monitoring data of Ke Rui real estate research, since 2023, Zhejiang, Nanning, Heze and other 14 provinces and cities have successively implemented real estate rescue policies, mainly involving three aspects.
The first is to relax provident fund loans. For example, Nanning increased the amount of provident fund loans, the first set of maximum amount increased from 600,000 yuan to 700,000 yuan, the second set of maximum amount increased from 500,000 yuan to 600,000 yuan, and the down payment ratio of the second suite was reduced to 30%. Another example is the Zigong provident fund loan, which recognizes loans but does not recognize houses. No provident fund loan records, no outstanding commercial loans, the implementation of the first home loan policy; If there is a record of settled provident fund loans or outstanding commercial loans, the second home loan policy will be implemented.
Second, restart the minimum down payment of 20% in non-restricted cities. For example, in Heze, the four major banks can implement a minimum down payment ratio of 20% for buyers without housing and loans. Another example is Chongqing, where large banks have implemented a minimum down payment of 20% for the first home loan.
The third is to stimulate the property market through finance and taxation. For example, in Yulin, new citizens buy the first set of new houses below 90 square meters, each with a subsidy of 6,000 yuan; Purchase the first set of new houses with an area of over 90 square meters, with a subsidy of 1 10,000 yuan per set; And give 50% deed tax subsidy. Another example is Luzhou, where qualified talents can buy the first new house in the central city and enjoy a talent housing subsidy of up to 2 million yuan/person.
Ke Rui real estate research report pointed out that whether relaxing provident fund loans or restarting the minimum down payment of 20% in cities without restrictions on purchases are moderate adjustments within the framework of existing real estate credit policies, and do not represent a fundamental change in real estate credit policies.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that at present, local governments are actively releasing loose signals, and maintaining the stability of the property market has become a unified action of all localities. On the whole, the real
Q&A: Q&A: How much is the down payment when you buy a house? About the down payment for buying a house: First of all, let's look at what the bank loan policy says:
According to the latest policy published on the central bank's website 20 16, the down payment ratio of the first suite in cities that do not implement the "purchase restriction" measures is not less than 25% in principle, and can be lowered by 5 percentage points in various places; Families who own 1 apartment and the corresponding housing loans are not settled, apply for mortgage again to buy ordinary housing, and the minimum down payment is not less than 30%.
For cities that implement the "purchase restriction" measures, the mortgage policy will be implemented according to the original regulations.
Even so, the down payment ratio of the first suite is not mandatory. On the basis of the national unified credit policy, we will guide the self-discipline mechanism of interest rate pricing in the provincial market and independently determine the low down payment ratio of commercial loans in light of local conditions.
For example, in Weihai, Shandong Province, the down payment for the first home loan of ordinary houses is generally 30%, the down payment for the second home loan is generally 40%, and the down payment for apartments and commercial properties is generally 50%.
In addition, in order to speed up the withdrawal of funds, some developers have introduced various policies for buyers, such as interest-free short-term loans (about 1-5 years), which reduced the down payment of buyers and eased the pressure.