What is the down payment ratio for the first home and what is the down payment ratio for the first h

The real estate certificate (premisespermit) is a document that the buyer obtains the legal ownership of the house through the transaction, and can exercise the right to occupy, use, benefit and dispose of the purchased house in accordance with the law. That is, the "Housing Ownership Certificate" is a legal certificate for the state to protect the ownership of the house in accordance with the law. Homeowner credentials to manage and use their own home.

In a general sense, the real estate certificate is the abbreviation of the house ownership certificate, which is a written certificate issued by the real estate registration authority to prove the ownership of the house.

The down payment ratio for the first home is between 25% and 30%, and the down payment ratio for the first home provident fund loan is between 20-30%, and some cities have restrictions on the area of the house purchased. The interest rate for buying a house with a commercial loan will rise, and the benchmark interest rate will be implemented for buying a house with a CPF loan. Legal basis:

Article 45 of the Law of the People's Republic of China on the Administration of Urban Real Estate The pre-sale of commercial housing shall meet the following conditions: (1) all the land use right transfer fees have been paid and the land use right certificate has been obtained; (B) holding a construction project planning permit; (3) According to the calculation of the pre-sold commercial housing, the funds invested in the development and construction of the project shall reach more than 25% of the total investment in the construction of the project, and the construction progress and completion delivery date have been determined; (D) to the county level or above the people's ** real estate management department for pre-sale registration, to obtain the commercial housing pre-sale license certificate. The pre-seller of commercial housing shall, in accordance with the relevant provisions of the state, submit the pre-sale contract to the people's real estate management department and land management department at or above the county level for registration and filing.

The proceeds from the pre-sale of commercial housing must be used for the construction of relevant projects.

The general down payment is 30%, and the down payment cannot be loaned, so the buyer must have some savings in hand. The mortgage interest can be applied for a provident fund loan.

For first-time home buyers, the down payment is more than 30%. A down payment of more than 40% for second-time home buyers. According to the local policy, there is a case where the down payment is 20%.

The amount of monthly payment depends on how much money you borrow, and how many years you have to pay for it.

Banks review the down payment of housing loans**, mainly including loans from financial institutions, microfinance companies, and transfers from non-immediate family members. Before the mortgage is approved, the borrower's family needs to provide a down payment** for nearly half a year, and if part of the down payment is transferred in the past six months, it needs to be verified whether it is a reasonable income.

According to the bank's standard, if there is a record of receiving a large amount of transfer from non-immediate family members within half a year, then the bank may default to the borrowing behavior. For immediate family members who transfer in, it is necessary to provide the flow of immediate family members for nearly half a year.

1) In China, there is no fixed regulation on the proportion of late down payment for the first home, and each region implements the down payment ratio for the first home according to different actual conditions, so the down payment ratio for the first home is a difficult point to grasp.

1. Take the down payment ratio of the first house in Beijing as an example to understand:

1) Business loans.

If it is a first-time home buyer, you can borrow 70% of the appraised value of the house (the appraised price is generally lower than the market price). For example: a house market ** is 2 million, the appraisal price is 1.8 million, then the maximum loan of 1.8 million is 70%, that is, 1.26 million, the remaining house payment of 2 million - 1.26 million = 740,000 is used as a closed down payment), the interest rate is discounted (85% of the benchmark interest rate); Note:

Commercial loans recognize both housing and loans: not only to see whether there is a property in the family's name, but also to see whether there is a previous loan record. Even if there is a property that has been **, or Sen Li has a mortgage that has been paid off, it is counted as a record (for example:

Have ever had a residential property and have been **; Or once had a residential property, and there is a loan, and the loan has been paid off, the house has been given to others, and now there is no house in the name, it is counted as a record, and when you buy a house through a commercial loan, it is considered a second set).

2) Provident Fund Loans.

If it is a first-time home buyer, you can borrow 80% of the appraised value of the house (within 90 square meters, 70% if it is more than 90 square meters). Note: If the provident fund is not rated, you can generally only borrow up to 800,000, but it depends on your provident fund contribution amount and contribution ratio, and the calculation method of the down payment for the first house

Down payment = total housing payment - customer loan amount loan amount = contract price (market price) * 80% (up to 80% of the first loan amount).

1. What is a first home?

A first home is the purchase of a home that only owns one. The People's Bank of China stipulates that China's urban residents can enjoy preferential mortgage loan interest rates when they purchase their first house. The so-called "first home" must meet three conditions at the same time:

The buyer is at least 18 years old; The house you buy is an ordinary house of 90 square meters and below (an ordinary house of 90 square meters and below is a preferential deed tax rate of 1%); The purchaser does not have a home in his or her name, either alone or in conjunction with others. However, if it is purchased with parents, it is purchased in accordance with the housing reform policy, except for the housing obtained through inheritance or demolition and resettlement.

Then the maximum is to borrow 1.8 million yuan and pay 70% with a down payment. If it is a CPF loan, the down payment ratio can reach 80%, but the rules for not using the down payment ratio are different in different regions, so it is best to consult the local bank or housing management agency.

In general, there are 4 types of down payment ratios for buying a house:

1. If you buy a new house and the area of the new house is less than 144 square meters, you can enjoy a down payment of 20%, and 30% for other circumstances.

2. For the first house, no matter how much the area of the second-hand house, the minimum down payment is 30%.

3. For the second suite, the down payment for buying a new house or a second-hand house is 70%;

4. If there are three or more suites, the bank basically does not apply for a loan, and must purchase it in full. If you want to know how much the down payment ratio for buying a house in Shenzhen, you have to know the area and number of houses you buy; The proportion of the down payment is different for different sizes and different quantities of houses. Generally speaking, the down payment for buying a house in Shenzhen is generally 20% to 30% of the total price of the house.