Latest policy: You are the first house. If you buy 90 square meters, you can borrow 80%, and if you buy more than 90 square meters, you can borrow 70%.

The maximum loan amount for a first-hand house depends on the full amount of your house. For example, if you buy a first-hand house with a total amount of 6.5438+0 million yuan (less than 90 square meters), then you can borrow 800,000 yuan.

If you use provident fund loans, it depends on your monthly provident fund deposit.

If you buy a second-hand house, it depends on the appraised value of your house. Your question is not detailed, and I can't answer it.

Judging from your tone, I guess you used a provident fund loan. The agent told you that you can only borrow 400,000 yuan at most, so Ken is limited by the amount of your provident fund deposit. If you are really limited by this, you can be flexible ~ ~ For more information, please visit www.fang33.com.

2. What is the latest policy for Beijing to recognize housing and loans?

Beijing implements the regulation of "recognizing the house and recognizing the loan", that is, if you buy commercial housing in Beijing, as long as there are two families with housing loan records nationwide, the minimum down payment ratio for ordinary housing is 60%, and the minimum down payment ratio for non-ordinary housing is 80%.

3. What is the general down payment ratio for buying a house in Beijing?

Calculate how much it will cost to decorate your home. The house price is very high now. If you want to buy a house in full at one time, it is very difficult. Many people choose to pay a down payment to buy a house, and then pay the mortgage every month. Beijing is a developed city that many people want to take root in, but now the housing price in Beijing is very high, which makes many friends who want to buy a house a headache. So what is the down payment ratio for buying a house in Beijing? Next, let's get to know Bian Xiao together!

What is the down payment ratio for buying a house in Beijing?

Under different circumstances, the down payment ratio of buying a house in Beijing is different, including the following situations:

1. Take the purchase of the first suite as an example. When residents buy a new house, the housing area does not exceed 90_, and the down payment is as low as 20%. If it is a 3 million house, the down payment is 600,000.

2. Residents buy two suites with a down payment as low as 60%. For the same 3 million house, the down payment is 6.5438+0.8 million.

3. When residents buy the third suite, the bank may refuse to lend according to the actual situation of the house price.

4. Use the provident fund loan to buy the first house, and the down payment is as low as 20%.

If not, the down payment is as low as 30%.

Beijing's latest housing policy

Stop selling policy: The so-called stop selling means stop selling to them. According to relevant policies, the sales of houses in Beijing are suspended for local registered families who already own two or more houses, families who own 1 house, and non-Beijing registered families who cannot provide a valid Beijing temporary residence permit and pay social security or personal income tax for five years or more in Beijing.

Bian Xiao's conclusion: What is the down payment ratio of buying a house in Beijing? I hope I can help you. After believing the above, what is the down payment ratio of buying a house in Beijing? If you have more knowledge, you can also refer to it in the future.

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4. What is the down payment ratio for buying a house in Beijing?

Calculate how much it will cost to decorate your home.

Beijing is the capital of our country, and everyone knows that the housing prices here are relatively high. If it is difficult to pay in one lump sum, most people will choose to pay the down payment to buy a house first and then pay the mortgage every month. The following small series will introduce you to the down payment ratio of buying a house in Beijing.

First of all, it depends on different situations. The differences include

1. If the house purchased by residents is the first suite and the area of the house purchased is not greater than the down payment, it will be as low as 20%.

2.60% residents are buying a second suite.

3, residents in the purchase of the third suite, then this time the bank loan.

4. If you use the first house when buying a house, the down payment is as low as 20%.

The down payment is as low as 30%.

Beijing's housing purchase policy

1. Purchase restriction policy: For Beijing registered households who already own a house in Beijing, if you still hold a valid Beijing temporary residence permit and Beijing has no house, but have paid social security or personal income tax in Beijing for 5 years or more and are not registered households in Beijing, you can purchase a house.

2. Stop selling policy: At present, stop selling is actually stop selling to it. This is also in line with relevant policies and regulations. For example, if some households with two or more houses in Beijing or 1 urban households have not paid social security or personal income tax in Beijing for five consecutive years or more, the sale of houses will be suspended (within Beijing).

3. New down payment policy for the second suite: No matter whether you choose commercial loans or provident fund loans, the down payment ratio for the second suite is not less than 60%, and the loan interest rate will not be lower than the base.

Summary: the down payment ratio of buying a house in Beijing is so much. We know that this down payment ratio is also determined according to the actual situation. I hope the above introduction will be helpful to everyone.

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