I. Commercial loans

At present, the mainstream of the first home loan policy in most areas is that the down payment is still 30%, and the benchmark interest rate for loans is 6.55%.

The second is 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 self-occupied housing with a construction 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 new house commercial loans is 30%, the down payment ratio of the first suite provident fund loans is less than 20%, and the down payment ratio of more than 90% housing provident fund loans is not less than 30%.

For reference only, hope to adopt!

What is the down payment ratio of the first suite now?

20%-30%。

PremisesPermit is a certificate that the buyer obtains the legal ownership of the house through the transaction and can exercise the right of possession, use, income and disposal of the purchased house according to law. That is, the "House Ownership Certificate" is the legal certificate for the state to protect the ownership of houses according to law. Proof that the owner of the house manages and uses his own house. Property ownership certificate includes house ownership certificate and house ownership certificate. Generally speaking, the real estate license is the abbreviation of the house ownership certificate, which is a written certificate issued by the real estate registration agency to prove the ownership of the house.

What is the down payment ratio for buying a house?

For most people, buying a house in the city where they live is a very happy thing. But we all know that down payment is essential. So, what is the down payment ratio of buying a house? What if I have no money to pay the down payment? Let's explore the answer together!

1. What is the down payment ratio for buying a house?

1, down payment ratio of commercial loans to buy a house

If you buy a house where you live, and the construction area exceeds 90 square meters, then the down payment ratio should not be less than 30%; If you borrow money to buy a second house, the down payment ratio should not be less than 60%. And the loan interest rate cannot be lower than 1. 1 times of the benchmark interest rate. In addition, if you want to borrow money to buy a third house, the bank will generally not approve it.

2, provident fund loan down payment ratio

If you use a provident fund loan to buy a self-occupied house with a building area of less than 90 square meters, then the down payment ratio cannot be less than 20%; If you buy more than 90 square meters of housing, then the down payment ratio can not be less than 30%. In addition, for families who buy a second home, the down payment ratio of provident fund loans should not be less than 60%.

Second, how to buy a house without a down payment?

1, borrow money from relatives and friends

If you really can't afford the down payment on the house, you can borrow money from your relatives and friends. In fact, you don't need to be ashamed of borrowing money. After all, everyone has financial difficulties.

Step 2 Use credit loans

In fact, the current credit loan is also very good, but its interest rate is higher than that of credit card. Because as long as the rhythm is well controlled, credit cards don't need interest, but credit loans don't work.

Editor's summary: The above introduces the down payment ratio of buying a house and what to do if there is no down payment. I hope I can give you some little help. If you need to know more about the down payment ratio, you can continue to lock our website!

About what percentage of China people buy houses through loans?

According to the "202 1 Consumer Confidence Index Report" jointly released by RealData and China Consumer News on 28th, buyers are optimistic about the trend of the real estate market in 20021year, and the consumer confidence index reaches 108.4. The consumer confidence index of home buyers in different regions shows the differentiation characteristics of "high in the east and low in the west". The higher the urban energy level, the higher the consumer's confidence index of home ownership. The consumer confidence index of first-tier cities is 109.6, which is significantly higher than other energy-level cities.

Consumers' confidence index in self-owned housing also varies with age, educational background and income. From the age point of view, the consumer confidence index is inverted U-shaped. Consumers aged 24 and below, 40-49 years old and over 50 years old have lower home ownership confidence indexes, which are 104. 1, 105. 1 and 106, respectively, while those aged 25-29 and 30-39.

According to the survey report, buyers generally buy houses by adding leverage, and the adjusted proportion of full-amount purchases in the group only accounts for 65,438+08.6438+0%. In other words, the proportion of loans to buy a house is as high as 8 1.9%.

Proportion of people with mortgages in China

The proportion of people with mortgages in China is 43.4%. There are 243 million urban families in China, of which 43.4% have mortgages. It can be seen that there are a relatively large number of households and people with mortgage loans in China.