Down payment for single house purchase
How much is the loan? When applying for a new house loan, the down payment is based on the market price of the house, and the loan amount is set according to the number of personal loans and the credibility of personal loans.
The calculation formula of down payment for a suite: down payment = total house payment-customer loan amount.
Loan amount = 80% of the contract price (market price) (the first loan amount can be as high as 80%), and the down payment of the loan to buy a house is 20-30%, and then the bank applies for a mortgage loan with the income certificate.
The down payment ratio of a suite is not fixed and varies from place to place. According to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new housing is 30%, the down payment ratio of provident fund loans for the first suite below 90_ (inclusive) shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90 _ (inclusive) shall not be less than 30%.
After understanding some procedures required for single house purchase, I also understand that each city has different policies for lending single house purchase. The down payment ratio of a single loan to buy a house is not less than 20%. If you are single and buy a house, it is recommended to look at some small-sized products.
Conditions for purchasing a single house
1, 18 years old annoying natural person with completely annoying civil capacity;
2. When the loan expires, the age of the man is no more than 60 years old and the age of the woman is no more than 55 years old;
3. If you have a stable and legitimate occupation and income source, you can repay the principal and interest.
4. Some cities need to open documents.
Common sense of anti-fraud life
1. If you receive a phone call from a stranger or QQ friend asking for remittance, you must first confirm the true identity of the other party. If you don't know who the other party is, don't blindly remit money or agree to the other party's request, so as not to be deceived and bring losses to yourself.
2. Some swindlers can sometimes tell your child's phone number or name clearly on the phone and trick you into sending money on the grounds of accident or accident. Don't panic when you receive such a call. You should confirm the situation by calling your child's phone or contacting his classmates, friends, schools and units. If necessary, you can consult the public security organ where the child is located.
Please don't believe in making money by providing false information in various names, so as to prevent criminals from fishing for your money.
4. Don't trust any stranger to ask you to make bank transfer or remittance for your deposit by phone or text message, or claim to provide a safe account to protect your deposit in case of being cheated.
5. Don't trust others, be greedy for petty gains, expose your identity and that of your family, and don't send money or transfer money to prevent being cheated when you receive unknown phone calls or information such as winning a prize, tax refund and guessing who I am.