If it is a personal housing loan from China Merchants Bank: 1, the minimum down payment ratio of the "first suite" is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction"); 2. The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation.
Second, what is the down payment?
In cities that do not implement the "purchase restriction" measures, the minimum down payment ratio is adjusted to not less than 25% for commercial personal housing loans that households purchase ordinary housing for the first time.
For example, the total price of the commercial house you bought is 6.5438+0 million, and the minimum down payment ratio is 25%, that is, you have to pay at least 250,000 to mortgage the loan.
What is the down payment ratio for buying a house?
1. The down payment for new houses and second-hand houses is different. The down payment for second-hand houses is generally 65438+ 0/2 of the total house price, and that for new houses is almost 20% of the house price.
2. The minimum down payment for buying a house by installment is generally 30%, as is the new house. However, in order to attract more customers, a few properties have achieved 20%. The developer asks you to designate a bank loan, or a small apartment with a better location can also have a low down payment.
3. If the second-hand house is repossessed, the minimum is generally 30%, which refers to 30% of the appraised value of the house. If the appraisal value is lower than your transaction value, then your down payment will exceed 30% of the total house price. The cost of the second-hand housing transaction itself is not in the house price, so try to prepare more cash to arrange things.
4. Second-hand house down payment = transaction price-house square meter evaluation price x house area x 70% (70% for ordinary commercial loans), deed tax and stamp duty, and related expenses incurred according to different house property rights plus loan handling fee.
3. mortgage to buy a house, what is the general down payment ratio?
Down payment is the lowest proportion of down payment according to the national proportion when buying a house. Of course, the payment can be higher than this amount, but not lower than it, and the rest can be borrowed from the bank. Since June 1 day, 2006, the down payment ratio of individual housing mortgage loan shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters. 1. Buy the first self-occupied house with a construction area of 90 square meters and a down payment of 20%; 2. Purchase the first set of self-occupied housing with a construction area of >; 90 square meters, 30% down payment; 3. The down payment for the second house purchase is 50%, and the loan interest rate rises 10% on the basis of the first house purchase. The identification of the "second house" shall be carried out in accordance with the provisions of the relevant state departments, and the specific situation shall be subject to the results of the rounds of the relevant housing management departments. Extended data:
First, don't use the provident fund before applying for a loan. If the borrower before the loan
4. mortgage to buy a house, what is the general down payment ratio?
Down payment is the lowest proportion of down payment according to the national proportion when buying a house. Of course, the payment can be higher than this amount, but not lower than it, and the rest can be borrowed from the bank.
Since June 1 day, 2006, the down payment ratio of individual housing mortgage loan shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters.
1. Buy the first self-occupied house with a construction area of 90 square meters and a down payment of 20%;
2. Purchase the first set of self-occupied housing with a construction area of >; 90 square meters, 30% down payment;
3. The down payment for the second house purchase is 50%, and the loan interest rate rises 10% on the basis of the first house purchase. The identification of the "second house" shall be carried out in accordance with the provisions of the relevant state departments, and the specific situation shall be subject to the results of the rounds of the relevant housing management departments.
Extended data:
First, don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.
2. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, the prepayment should be made after 1 year, and the amount you return should exceed the repayment amount of 6 months.
Third, don't forget to find the bank around you if you have difficulties in repayment. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan period. However, according to the regulations, the loan term can only be changed once.
Fourth, don't forget to refund the tax when you get the real estate license. When purchasing a commercial house, all family members who can be refunded shall be written into the purchase contract as the property owner, and shall be handled immediately after signing the contract and paying the house price; Tax base deduction of personal income tax paid by property buyers; Apply for and get your own; General tax payment book; . You should go to the tax department for tax refund within 6 months after you complete the real estate title certificate.
5. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.
6. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the principal and interest of the loan, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and the property right certificate of the collateral.
Seven, don't lose the loan contract and IOUs. When applying for a mortgage loan, the loan contract and the receipt signed by the bank with you are all important legal documents. As the loan period can be up to 30 years, as a borrower, you should take good care of your contracts and IOUs, and read the terms of the contracts carefully to understand your rights and obligations.