When buying a house, you must know the down payment in advance. After all, you have to collect the down payment of the house in advance. If it is time to buy a house, it is very embarrassing to find that the down payment is not enough. When buying a house, you must know the down payment of the house in advance. After all, you have to collect the down payment of the house in advance. If it is time to buy a house, it is very embarrassing to find that the down payment is not enough. If you buy a house in Xiangyang, you should know the general down payment of Xiangyang house in detail. There is also the question of what conditions need to be met in buying a house, and it is also necessary to know in advance.

How much is the general down payment for Xiangyang house?

I. Commercial loans

At present, the mainstream of the first home loan policy in most areas is 30% down payment, and the benchmark interest rate for loans is 6.55% for loans over five years;

Second, provident fund loans.

For families who purchase the first self-occupied housing with a construction area of less than 90 square meters (including 90 square meters), the down payment ratio of housing provident fund loans shall not be less than 20%; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%.

Generally speaking, 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㎡ shall not be less than 30%.

What are the conditions for buying a house?

Just follow the local purchase policy.

Personal housing mortgage loan conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

Information to be provided when applying for mortgage:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/or court judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

How much is the general down payment for Xiangyang house? Let's talk about provident fund loans and commercial loans. It is generally 30% of the total house price. Regarding what conditions need to be met in buying a house, in fact, as long as it meets the local purchase policy. So what we need to know is what the local housing policy is like where we want to buy a house. If you really do not know, please consult a professional lawyer.