There is no mortgage loan for the first house, and a down payment of 60% for the second house.

The down payment ratio of the loan for the first ordinary owner-occupied house shall not be less than 30%, and the down payment ratio of the loan for the second ordinary owner-occupied house shall not be less than 60%. If you don’t have a mortgage on your first home, your down payment should be at least 60% when buying your second home.

According to the latest policies, the down payment ratio for the first home in Hangzhou will be between 25% and 30% in 2023. Among them, the down payment ratio for provident fund loans for the first home will be between 20% and 30%. Some cities have housing purchase areas. limit. Different banks have different down payment ratios for the first home based on different situations of individuals and families. This depends on the size of the house purchased.

Generally, the down payment for home purchases is 30%. But it depends on the developer and your credit history with the bank. If the home buyer cannot be recognized as a high-quality customer (has no bad record, but has been urged to pay a loan), and the purchase is a non-ordinary house (the state stipulates that it is a large apartment with an area of ??more than 143 square meters), the down payment of the home buyer may be deducted. Add to 40%.

Criteria for identifying the first house in Hangzhou:

1. If the commercial loan has been paid off and the commercial loan has been paid, then the house will be counted as the first house. If the loan has not been paid off, it will be counted as the first house. Second suite.

2. There are two commercial loan records in the personal name, one has been repaid and the other has not been repaid. At this time, the refinancing is considered to be more than two homes.

3. One of the couple used a commercial loan to buy a house before marriage, and the other used a provident fund loan to buy a house before marriage. After marriage, they want to take out a joint loan in the name of husband and wife. If the loan has been paid off, According to the loan interest rate and down payment ratio of banking financial institutions, if the loan is not repaid, it will be regarded as more than a second home.

4. If you have a fully-purchased house in your name and then take out a loan to buy the house, in the past, if you only subscribed for the loan, it would not be considered a second home, but now you have added the subscription of the house, even though there is no loan, as long as it is In the housing property transaction system, it can be found that there is a property in your name. If you do not sell it and apply for a loan, it will be recognized as a second home.

5. There is a loan in the personal name to purchase a house, and then the loan is purchased after the sale is completed. In other words, although the property bought with the loan is sold, the family no longer has any house in the name, but because it had a loan before Records, if you apply for a mortgage loan again, it will be counted as a second home.

Reference for the above content: Baidu Encyclopedia-Down Payment