Known as "Paris of the East", Shanghai is an international metropolis and one of the cities that many people yearn for. Secondly, Shanghai's economy is very prosperous, and the real estate industry is also very hot, but the housing prices in Shanghai are too high, and many people can't afford the down payment. So how much is the down payment for buying a house in Shanghai? Let's take a look with Bian Xiao.
1. What is the down payment for buying a house in Shanghai?
1. If the party concerned purchases the first suite and the house area does not exceed 90 square meters, the minimum down payment is 20%.
2. If one party buys the second suite, the minimum down payment is 60%.
3. If the customer buys the third suite and needs a loan, the bank will evaluate it according to the house price, but the bank will not provide a loan.
4. In other cases, the minimum down payment for house purchase is 30%.
Second, what are the strategies for buying a house in Shanghai?
1. Judge whether you are qualified to buy a house.
The conditions for buying a house in Shanghai are relatively strict. For example, people who are not registered in this city must get married if they want to buy a house, and the social security of the parties must pay for more than five years before they can buy a house. Therefore, if you are not a native of Shanghai, judge whether you have these conditions before buying a house.
2. Judge how much down payment you can pay.
The down payment of each property is different, and each property will do some activities when it opens, so you should know how much down payment you can give first. Bian Xiao suggested that you should not empty yourself for the down payment, because you will have to pay all kinds of taxes and fees in the future, otherwise it will bring you great pressure.
3. Judge how much you can borrow (provident fund and commercial loans).
How much you can borrow to buy a house depends on banks and provident fund management centers, which all have their own processes. For example, the bank will give the answer according to your income flow and basic repayment ability. Provident funds are simpler than banks, because the amount of provident fund loans can be calculated through some websites on the Internet.
4. judge whether to buy an auction house or a second-hand house, regardless of the area.
Among them, buying a house is more important. For example, you need to consider whether to buy a first-hand house or a second-hand house. Of course, this should be based on personal purchasing power other than personal wishes. Therefore, we don't have to consider the housing area for the time being. How many rooms and halls are there?
5. Choose the purchase area and consider the surrounding facilities and traffic.
With the general direction of housing selection, then the next step is to choose the purchase area, first look at the average house price around the property, and then circle the house that suits you. Secondly, we can also observe the supporting facilities of the house and whether the surrounding traffic is convenient. And also observe the greening around the building and whether the living environment is comfortable.
6. Run the property to see the room type and area. According to your own requirements.
Now is the time to look at the house, because the opening of the property will not be frequent, so if you want to buy a new house, you must pay close attention to the opening time of the property. Secondly, when looking at the house, you can't be aimless. For example, you should carefully observe the orientation and structure of the house. Buying a second-hand house can be a little more casual, and many communities have second-hand houses for sale.
Editor's summary: If you want to buy a house in Shanghai, you should pay attention to the down payment, pay the down payment according to Shanghai's policy, and then choose the repayment method that suits you according to your own situation.
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