Calculate how much it will cost to decorate your home. In recent years, with the rising housing prices, many cities have not only introduced the government's purchase restriction, but also introduced the second suite policy, which has relatively increased the down payment ratio of the second suite and reduced people's enthusiasm for buying houses. So what is the down payment ratio of the second suite in Kunming? Introduce it to everyone in this article. What is the down payment ratio of the second suite in Kunming? The minimum down payment for the second suite of commercial loans in Kunming is 45%, and the minimum down payment for the second suite of provident fund loans is 50%. According to the latest local policy in Kunming, the minimum down payment ratio for households with/kloc-0 apartments and outstanding housing loans is 45%, and the minimum down payment ratio for households with/kloc-0 apartments and outstanding loans is not less than 50%. The purchase restriction policy in Kunming is 1, and the sale of newly-built commercial housing to non-Yunnan residents who own 1 suite or above in Wuhua District, Panlong District, Guandu District, Xishan District, Chenggong District, High-tech Industrial Development Zone, Economic and Technological Development Zone and Dianchi Tourism Resort is suspended. 2. Stop selling new commercial housing to non-Yunnan registered residents under the age of 18. 3. Non-Yunnan resident families who have no housing in the restricted area of Kunming and have reached the age of 18 can purchase 1 apartment in the restricted area. The loan restriction policy in Kunming is 1. When purchasing the first commercial house in Kunming, the minimum down payment shall be no less than 20%, and the benchmark interest rate shall rise by 15%. 2. Use local commercial loans to buy a second set of commercial housing in Kunming. The down payment shall not be less than 45%, and the benchmark interest rate shall rise by 20%. 3. Stop issuing the third set of commercial housing loans. 4. Shops, apartments and office buildings. Unlimited purchase, but the minimum down payment is 50%, and the longest loan can only be 10 years. The above is the introduction of the down payment ratio of the second suite in Kunming, hoping to provide some help to those friends who want to buy a house in Kunming, so that everyone can buy their own house smoothly. Enter the area and get the decoration quotation for free. Enter the area and get the decoration quotation for free.
Second, how much is the down payment for buying a house in Kunming?
It's the same if it's 20% second-hand. If it is a loan, it can last up to 30 years. If you want the company to issue a salary certificate, you can have a rest and get a more accurate answer!
3. What is the down payment for buying a house in Kunming?
30% for faster delivery and 40% for second-hand housing.
4. In 2023, the total price of the first house in Kunming was 880,000, with a down payment of 300,000 and a monthly payment of 580,000.
27 thousand yuan
1. Calculate the total loan first: 880,000 yuan minus the down payment of 330,000 yuan, and the total loan is 550,000 yuan. 2. Then, calculate the loan interest rate: According to the current market situation, the loan interest rate is generally 4.9%, so you can choose the appropriate loan interest rate according to your own situation. 3. Finally calculate the monthly payment: According to the total loan amount and loan interest rate, use the loan calculator to calculate the monthly payment, which is about 27,000 yuan.