What is the down payment ratio for the first and second homes

The down payment of the second home loan is the abbreviation of the first installment of the mortgage loan for the second ordinary self-owned house, which refers to the first installment of the housing loan applied to the commercial bank again if the borrower's family is identified as a unit and the per capita housing area of the borrower's family is higher than the local average. In addition, if you buy a house in the following four situations, you will also be loaned according to the second house: 1. If you have a house in your parents' name and buy a house in the name of your minor children; 2. If you have a house purchased in full under your name, you can buy a house with a loan; 3. Use a commercial loan for the first time to buy a house, and use a provident fund loan for a second house; 4. One party took out a loan to buy a house before marriage, and after marriage, he applied for a loan to buy a house in the name of the other party, but the two parties did not have a household registration.

According to local policies and the regulations of different banks, there is currently no uniform standard for the down payment ratio of second homes, ranging from 45% to 70%. Not only is the down payment ratio for a second home much higher than for a first home, but the loan review is also relatively more stringent.

In the case of a personal housing loan of China Merchants Bank: 1. The down payment ratio of the "first house" is at least 30% (the city that does not implement the "purchase restriction" is adjusted to no less than 25%); 2. The down payment ratio of "second house" is at least 40%.

The specific amount you can borrow needs to be submitted by you to submit relevant information, and the branch can only be determined after review, and you can directly contact the personal loan department of the local branch for consultation.

Because each city's credit policy is different, the loan interest rate in each city will be determined according to the local policy. First, let's talk about the proportion of business loans. The down payment for a house is usually thirty percent.

When buying a second home, the down payment for a second home is 40 to 50 percent if the first home loan for an individual or family has been settled. When purchasing a second house, if you or you have a mortgage in your name for the first house, the down payment for the second house is 60% to 70%.

1. If you take out a loan to buy a house, you can find it in the real estate registry, and then take out a loan to buy a house, which is a second house.

2. If you take out a loan to buy a house and then sell it again, the information of the house can not be found on the Internet, but you can find the loan in the bank's credit history, and then take out a loan to buy a house, which is the second house.

3. If you have bought a house with all your money, you can find your house on the Internet, and you can also take out a loan to buy a house, which is a second house.

4. I bought a house in full, and then sold the house, and the information of the house could not be queried, so I took out a loan to buy it, which is the first house.

5. If there is no local housing registration system query conditions, the bank should conduct due diligence to confirm that the purchaser has a property, and then purchase it again, that is, the second house.

6. If there is a record of commercial loans for two houses under the individual's name, one of which has been repaid and the other has not been repaid, then the loan can be made according to the three regulations.

7. You have two properties in your name, both of which have been paid off and have been sold, and you can get evidence of two houses, if you don't have a house, then you can only count three houses.

8. A set of housing loans under the name of an individual has been paid off, and another set of housing provident fund loans has also been paid off.

9. A couple, use a bank loan to buy a house before marriage, use a provident fund loan before marriage, and take out a loan in the name of the husband and wife after marriage, according to the new policy, this is a pre-marital loan, but because the bank's credit system has a record, if it is a loan in the name of the husband and wife, it is a third house.

10. If one of the husband and wife has a house before marriage but has no loan record, and the other party has a loan record before marriage but does not have a real estate, and then applies for a loan after marriage, it is regarded as a third house.

The above is the main content of the down payment ratio of the first house and the second house, when buying a house, there is an unpaid loan that will affect the down payment ratio, and you should pay attention to the repayment of the loan in time.

The proportion of low first sales and missing loans for second home loans stipulated by the state shall not be less than 40, and individual cities shall appropriately adjust them according to their own conditions. According to the Notice on the Differentiated Policy of Housing Provident Fund Personal Loans, it is required to strictly implement the provisions of the Notice on Standardizing the Identification Standards for the Second Housing in Commercial Personal Housing Loans (Jianfang 2010 No. 83). The borrower applies for a loan for the purchase of a second house, and the down payment ratio of the loan is not less than 70.

What are the criteria for the identification of the first and second suites?

1. The second house means that the loan has bought a house, the commercial loan has been settled, and the loan to buy the house is the first set; If the loan is not settled, it will be counted as two sets. If the individual has a commercial loan record of two suites under his name, one has been paid off and the other has not been paid off, and the refinancing is recognized as more than two suites.

2. If you have bought a house with a loan and later sold it, you can't find the property through the housing registration system, but you can find the loan record in the bank credit system, and then take out a loan to buy a house, which is counted as two sets.

3. I bought a house in full and sold it, and the housing registration system cannot find it, and then I take out a loan to buy a house, which is not considered a second set.

4. If you have bought a house in full, you can check the property through the housing registration system, and the loan to buy a house is counted as two sets.

5. If the local housing registration system does not have the conditions for inquiry, the bank shall conduct due diligence to verify that the buyer already has one house, and then buy two houses.

6. One of the husband and wife uses a commercial loan to buy a house before marriage, and the other party uses a provident fund loan to buy a house before marriage, and then the two of them take out a joint loan in the name of husband and wife after marriage, and the second house is recognized as a standard If the loan has been paid off, the bank will flexibly grasp the loan interest rate and down payment ratio according to the specific factors such as the borrower's solvency and credit status, and if the loan is not repaid, the second house will be liquidated.

7. Preparing to get married, there is no marriage certificate to be obtained, one party has a property and mortgage under his name that has not been paid off, and the other party does not have any real estate and mortgage records, and now the two of them buy a new house together, register the names of two people, and those who have no loan records apply for a loan.

Legal basis: According to the Notice on the Differentiated Policy of Housing Provident Fund Personal Loans, it is required to strictly implement the provisions of the Notice on Standardizing the Identification Standards for the Second Housing in Commercial Personal Housing Loans (Jianfang 2010 No. 83). The borrower applies for a loan for the purchase of a second house, and the down payment ratio of the loan is not less than 70.

1. The down payment of the second home loan is the abbreviation of the first installment of the mortgage loan search hole for the second ordinary self-owned house, which refers to the first installment of the housing loan applied to the commercial bank again if the borrower's family (including the borrower, spouse and minor children) is identified as a unit, and the per capita housing area of the borrower's family is higher than the local average.

2. For the purchase of a second house with a loan, the down payment ratio of the loan shall not be less than 60, and the interest rate of the second home loan shall not be lower than 1 1 times of the benchmark interest rate. Under normal circumstances, the interest rate of the second set of loans is generally about 10% higher than that of the first set of commercial loans, which is determined by the commercial banks according to the principle of risk management.

How is the first and second suites defined?

1. The definition of the second house is divided into two parts: one is the definition of the housing authority, and the other is the definition of the bank. If the first two houses do not have your name, even if the loan is made in the name, the housing authority will determine that there is no house, and it is the first house when you buy a house.

If there is a name for one, then buy a second house. The second house in the sense of the bank is based on a loan, and if you have borrowed once, you can use the loan to buy a house again is a second house. Apparently it has been a second home in the sense of the bank.

2. The second house is the abbreviation of the second ordinary self-owned house, which refers to the mortgage house that is identified by the borrower's family as a unit, and the per capita housing area of the borrower's family is lower than the local average level, and the borrower's family applies for a housing loan from a commercial bank again. The newly introduced standard for second homes is based on the family as a unit, both recognising the house and subscribing to the loan, and the non-local person must also provide the tax payment certificate or social insurance payment certificate of the place where the house is to be purchased for more than 1 year, otherwise it will be calculated according to the second home loan.

2. What is the interest rate of the second home loan?

The interest rate on the second home loan is 1 1 times the benchmark interest rate

1. Under normal circumstances, commercial banks should raise the benchmark interest rate of 6 55 announced by the People's Bank of China by 10, that is, 7 21. According to state regulations, the interest rate of the second home loan should be 1 1 times the benchmark interest rate.

2. Identification of the second suite:

To confirm the mortgage interest rate for a second home, or the loan interest rate for a second home loan, you must first confirm the criteria for a second home. If the borrower's family has already purchased an independent house with a bank loan, if its per capita housing area is lower than the local average level, and then applies for a loan from the bank, the borrower shall provide the results of the inquiry on the total area of the family house issued by the local real estate management department in accordance with the housing registration information system. In all other cases, it is a second suite.

All are charged at the rate of the second home.

Legal Analysis: What is the usual down payment ratio for a first and second home?

The minimum down payment for a second home is 40 or more, usually 60 of the total price. If you have taken out a loan to buy a house, you can find the property through the housing registration system, and then take out a loan to buy a house and count it as a second set. If you have taken out a loan to buy a house and later sold it, you can't find the property through the housing registration system, but you can find the loan record in the bank collection system, and then take out a loan to buy a house is counted as two sets.

Second, the down payment ratio of the second home loan.

For the purchaser of a CPF loan to purchase a house: the buyer chooses a CPF loan to purchase the first home, with a minimum down payment of 20 of the appraised value of the house and a maximum loan ratio of 80; The buyer chooses a provident fund loan to purchase a second house, with a minimum down payment ratio of 40 and a maximum loan ratio of 60 yuan. The purchaser of the CPF loan is not eligible for the purchase of three or more residential units and the purchase of commercial property. About the buyer's business loan to buy a house:

The buyer chooses a commercial loan to purchase the first house, and the minimum payment ratio is 30 of the appraised value of the house, and the maximum loan ratio is 70; The buyer chooses a commercial loan to purchase more than two houses, with a minimum down payment of 50 and a maximum loan of 50. Article 21 of the General Principles of Loans A lender must be approved by the People's Bank of China to operate loan business, hold a "Financial Institution Legal Person License" or "Financial Institution Business License" issued by the People's Bank of China, and be approved and registered by the administrative department for industry and commerce.

Legal basis: "Notice on Promoting the Steady and Healthy Development of the Real Estate Market" 2. Reasonably guide housing consumption to curb the demand for investment speculative housing purchases.

3) Increase the implementation of differentiated credit policies. While continuing to support residents in taking out loans for the first time to purchase ordinary self-owned houses, financial institutions should strictly manage loans for the purchase of second houses, reasonably guide housing consumption, and curb the demand for speculative housing purchases. For families (including borrowers, spouses and minor children) who have used loans to purchase houses and apply to purchase a second (inclusive) or more house, the down payment ratio of the loan shall not be less than 40, and the loan interest rate shall be strictly priced in accordance with the risk.

4) Continue to implement differentiated housing tax policies. It is necessary to strictly implement the state's differentiated tax policies on the purchase of ordinary and non-ordinary housing by individuals, and between first-time and non-first-time buyers. For those who do not meet the prescribed conditions, they shall not be given relevant tax incentives.

At the same time, it is necessary to speed up the study and improvement of the tax policy for housing and guide residents to establish a rational and economical concept of housing consumption.