The down payment ratio of commercial loans to buy a house is generally 30%

The down payment ratio of the first suite is not fixed, because the down payment ratio of the first suite will be different in different places, so the down payment ratio of the first suite is a difficult point to grasp.

However, according to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new houses is 30%. In other words, if you want to buy a house with a value of 1 100,000, then the down payment should be at least1100 times 30%, which equals 300,000.

If it is a provident fund loan

Provident fund loan: if it is the first time for a family to buy a house by loan, it can be 80% of the appraised price of the house, and 70% if it exceeds 90 square meters. It is worth reminding that if the provident fund is not rated, generally speaking, it can only be loaned to 800,000, depending on the amount and proportion of the provident fund.

The calculation method of down payment for the first suite is: down payment = total house price-customer loan amount.

Loan amount = contract price (market price) multiplied by 80% (the maximum loan amount can reach 80%).

Down payment ratio of commercial loans

The down payment ratio of commercial housing loans is: in the case of the first suite, the minimum down payment for new houses with a purchase area of not more than 90 square meters can reach 20%; In the case of the second suite, the minimum down payment for the purchase of real estate is 50%; For three suites, banks that need loans may not issue loans according to the house price; Otherwise the minimum down payment is 30%.

1. What are the conditions for commercial lending?

Housing commercial loans are different from provident fund loans, and the required certification materials and conditions are different. Housing commercial loan refers to a completely civil act.

Natural persons who have the ability to buy self-occupied housing in cities and towns in this city apply to the bank for housing with their purchased property housing as collateral as a guarantee for repayment of loans.

Commercial housing loan. Enterprises applying for loans should carry out independent accounting and be responsible for their own profits and losses. Meet the following conditions at the same time:

1. The business license of an enterprise as a legal person that has been issued by the administrative department for industry and commerce and passed the annual inspection procedures must be accounted for independently and be responsible for its own profits and losses.

2, and obtain the tax registration certificate issued by the tax authorities.

3, the legal person code certificate issued by the State Bureau of technical supervision.

4. Loan card issued by China People's Bank.

5. A deposit account has been opened in the company.

6. Abide by national policies and decrees and abide by credit; The asset-liability ratio of the enterprise conforms to the relevant provisions of the company; Enterprise products have a market, and production and operation are profitable.

Benefit, have the ability to repay the principal and interest on schedule.

7. The approval document of the superior unit where the enterprise applies for a loan from the company.

Second, commercial loans are loans used to supplement the working capital of I industrial and commercial enterprises. -Generally, they are short-term loans, usually nine months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.

How much is the down payment for buying a house with a commercial loan?

The down payment is as follows: 1. The down payment ratio requires the down payment of the first suite to be 30% of the total house price and the down payment of the second suite to be 60% of the total house price. 2. The down payment ratio for purchasing ordinary self-occupied houses shall not be less than 50%, and the down payment ratio for purchasing non-ordinary self-occupied houses shall not be less than 70%. 3. For the first suite, 20% of the provident fund loan is within 90 square meters, and 30% of the provident fund loan is above 90 square meters.

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 for buying a house? What if there is no money for 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 is more than 90 square meters, then the down payment ratio cannot be less than 30%; Loan to buy a second house, then the down payment ratio can not be less than 60%. And the loan interest rate cannot be lower than 1. 1 times of the benchmark interest rate. Besides, if you want to buy a third house with a loan, 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 a house of more than 90 square meters, then the down payment ratio cannot be less than 30%. In addition, the down payment ratio of provident fund loans should not be less than 60% for families who buy a second home.

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 close relatives and friends. Actually, 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 loans are also very good, but the interest rate is higher than that of credit cards. Because credit cards don't need interest as long as the rhythm is well controlled, while credit loans don't.

Editor's summary: The above introduces the down payment ratio of buying a house. What if there is no money for down payment? I hope I can give you some help. If you need to explore more about the down payment ratio, you can continue to lock our website!

What is the general down payment ratio of a house?

The down payment of a house is generally 30%, but it needs to be comprehensively determined according to the area of the house, the type of house and the number of houses purchased.

1, number of housing units: generally, the down payment for the first home loan is 30%, and the second home loan needs to reach more than 40%.

2. Area of the house: for the first suite with an area of less than 90 square meters, the minimum down payment is 20%, and for those with an area of more than 90 square meters, the minimum down payment is 30%.

3. Type of house: the down payment ratio of ordinary residential loans is generally around 30%, and the down payment ratio of commercial and residential loans is at least 50%.

The specific proportion shall be subject to the specific provisions of the lending bank.

Housing loan conditions

1,18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).

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

3. The borrower's actual age and loan application period shall not exceed 70 years old.

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.

5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

6. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.