How much is the down payment for the first home and how much is the down payment for the first home

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 policy for the purchase of the first home is as follows:1. If the buyer uses the housing provident fund to apply for a loan to purchase the first house with a construction area of less than 90 square meters (inclusive), the minimum down payment ratio is 20% of the total price of the house.

2. If the buyer uses the housing provident fund to apply for a loan to purchase the first house with a construction area of more than 90 square meters, the minimum down payment ratio is more than 30%.

3. If you use a commercial loan to buy your first home, the minimum down payment ratio is 30% of the total price of the house.

The down payment is particularly heavy for people who buy a house, and the loan can only be processed if the down payment is given, but the amount of the down payment depends on what the local policy is.

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How much is the down payment for buying a house, is a question that everyone needs to consider before buying a house, and there are different algorithms for the down payment of different ways to buy a house with different loans, so how much is the down payment for the first home? What are the issues that need to be paid attention to when buying a house for the first time? Let's take a look.

1. How much is the down payment for buying the first home.

The bank stipulates that if the area is less than 90 square meters and must be the first house of the family, the down payment ratio is 20%, and the down payment ratio of more than 90 square meters shall not be less than 30%, and the down payment ratio will also increase if the second house is above and above, and there are generally 4 kinds of down payment ratios for buying a house

For new homes under square meters, the down payment ratio is 20%, and in other cases, it is 30%.

2. Regardless of the area, the down payment for the first and second homes shall not be less than 30%.

3. The down payment ratio for new houses, second homes or second-hand houses is 70%.

4. If there are more than three suites, they must be purchased in full and no loan will be granted.

2. What issues should be paid attention to when buying a house for the first time?

1. It is recommended that you implement a house purchase plan based on your own family income, consumption expenditure and other actual conditions, which can meet the basic living needs of individuals and families, so as to avoid unnecessary troubles.

2. Young people can choose a small house with a small area and a small down payment, and the small apartment located in the city center has complete supporting facilities and convenient transportation, and it is also more preferential.

3. For houses with a high total house price, buyers can consult local professional real estate agents, and the procedures are relatively simple and the process is relatively easy.

Summary: The first time you buy a new house, it is recommended that you can consult the local developer or salesperson if you don't understand, the above is all the content collected for you about how much to pay for the down payment of the first house and what issues you need to pay attention to when buying a house for the first time, if you need to know more information, please continue to pay attention to Qeeka Home.

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The down payment for a first home is about 30% of the total price of the home.

The down payment ratio for a first home is a portion of the total price of the home that needs to be paid when purchasing the first home, and the exact percentage varies depending on the policy, region, and type of housing. According to the relevant national policies, the down payment ratio for the purchase of the first house shall not be less than 30% of the total price of the house. However, down payment ratios can also vary from region to region and for different types of homes.

In some cities, the down payment for a first home can be as high as 50%, and in some special cases, such as the purchase of a second-hand home, the down payment may be lower. In addition, the bank will also determine the down payment ratio based on the individual's credit profile and loan terms. In general, the higher the down payment that the bank requires the purchaser to make, the lower the interest rate on the loan.

Considerations for buying a house

1. Be clear about your needs and budget: Before buying a house, you need to be clear about your needs and budget. This includes considering the purpose of the home, such as owner-occupancy or investment, the size, location and amenities required, as well as the affordability of the property price and repayment ability.

Only when the needs and budget are clear can you choose the right house in a targeted manner.

2. Do a good job of investigation and comparison: When choosing a house, you need to conduct sufficient investigation and comparison. It is necessary to know the state of the property, the age of construction, the quality of the house, the surrounding environment, the accessibility of transportation, etc., as well as the local policies and markets** in order to make more informed decisions.

In addition, it is also necessary to compare with different ** and choose a more cost-effective house.

3. Pay attention to contract and legal issues: When buying a house, you need to pay attention to contract and legal issues. You need to read the purchase contract carefully to understand the terms and conditions in it to ensure that your rights and interests are protected.

At the same time, it is also necessary to understand the relevant laws and regulations, such as housing transactions, loans and property management, etc., to avoid unnecessary disputes.

The People's Bank of China (PBOC) and the China Banking Regulatory Commission (CBRC) issued a notice requiring cities that do not implement purchase restrictions to adjust the minimum down payment ratio for the first home loan to no less than 25. However, many state-owned banks and joint-stock banks have said that they are waiting for the policy of the head office to be issued, and this new policy has not yet been implemented.

On September 30, 2015, the People's Bank of China (PBOC) and the China Banking Regulatory Commission (CBRC) issued the Notice on Issues Concerning Further Improvement of Differentiated Housing Credit Policies, requiring that in cities where the "purchase restriction" measures are not implemented, the minimum down payment ratio for commercial personal housing loans for households purchasing ordinary housing for the first time will be adjusted to no less than 25.

This new deal reflects a certain difference. First of all, it is only for cities that do not implement restrictions on the purchase of lead plums, which means that the new policy will benefit most cities in the country, including Zhangzhou. Beijing, Shanghai, Guangzhou, Shenzhen and other cities that are still restricting purchases will not be able to directly benefit.

Secondly, the down payment ratio is as low as 25 for people who are buying a regular home for the first time. According to the previous regulations of the central bank and the China Banking Regulatory Commission, for families who own a house and have paid off the corresponding housing loans, in order to improve their living conditions, they will apply for loans to purchase ordinary commercial housing again, and banking financial institutions will implement the first home loan policy, but the minimum down payment ratio is 30. This means that even if the first home loan has been settled, the minimum down payment for the second home is still 30%.

1. How much is the down payment for buying a house in BengbuHow much is the down payment for the first house in Bengbu.

Policy: For families (including borrowers, spouses and minor children) who purchase their first self-owned house with a floor area of more than 90 square meters, the down payment ratio of the loan shall not be less than 30

Status: The down payment requirements of commercial banks for the first home commercial loan are generally 30% or more, and the provident fund for the first home loan is different from place to place, and some cities can have a low down payment of 20%, and the total down payment is more than 30%.

The requirements of various financial institutions for the down payment ratio of the first home are inconsistent, so the down payment of the first home mortgage loan depends on the borrower's personal qualifications, and if the qualifications are not optimistic, then it may be raised to four to five percent.

2. What is the difference between a down payment for a first home and a second home?

Do you know how much a down payment is for a loan to buy a house? For first-time and second-time home buyers, the down payment ratio is different.

Generally speaking, the down payment ratio for a home purchase generally exists in the following situations:

For the down payment of buying the first house, new house or second-hand house, the minimum amount required to be paid is 30;

A down payment of 60 is usually required to buy a second home, a new house or a second-hand home, and some banks will require a down payment of 70.

1. If an individual buys his first house, if it is a mortgage loan, there are two types: 1. If the provident fund is used for the first time, and the construction area of the set is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total price of the house. If the purchase floor area is more than 90 square meters, the minimum down payment is more than 30%.

2. If you use a bank loan, the minimum down payment ratio is 30% of the total house payment. Second, the down payment is the first advance payment when the house is purchased, under normal circumstances, the amount should be more than 30% of the total house price, both parties in the commercial housing pre-sale contract or ** contract, the down payment should be immediately returned or offset the house price. Property Down Payment Ratio:

The average price dropped slightly at around 18,000, with a down payment of 30%. Now the down payment can be divided into: 1. In the case of the first house, the down payment for the purchase of a new house with an area of no more than 90 square meters can be at least 20%; 2. In the case of a second home, the minimum down payment for the purchase of a property is 60%; 3. In the case of three suites, the bank that needs the loan can refuse the loan according to the housing price; 4. In other cases, the minimum down payment is 30%.

1. If an individual buys his first house, if it is a mortgage loan, there are two types: 1. If the provident fund is used for the first time, and the construction area of the set is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total price of the house. If you buy a building area of 90 square meters, the minimum down payment is more than 30%.

2. If you use a bank loan, the minimum down payment ratio is 30% of the total house payment. Second, the down payment is the first advance payment when the house is purchased, under normal circumstances, the amount should be more than 30% of the total house price, both parties in the commercial housing pre-sale contract or ** contract, the down payment should be immediately returned or offset the house price. According to Article 3 of the Provisional Regulations on Deed Tax:

The deed tax rate is 3-5%.The applicable tax rate of deed tax shall be determined by the people of provinces, autonomous regions and municipalities directly under the Central Government within the range specified in the preceding paragraph in accordance with the actual situation of their respective regions, and shall be reported to the Ministry of Finance and the State Administration of Taxation for the record.

In any of the following circumstances, the lender shall implement the second (or more) differentiated housing credit policy for the borrower: (1) The borrower applies for the loan to purchase a house for the first time, if the borrower has registered one (or more) complete set of housing in the housing registration system (including the pre-sale contract registration and filing system, the same below) in the place where the house is to be purchased; (2) The borrower has already used the loan to purchase one (or more) housing and then applies for a loan to purchase the housing; (3) The lender is convinced that the borrower's family already has one (or more) housing through due diligence in the form of credit investigation records, interviews, interviews (and visits when necessary). The "Notice on Resolutely Curbing the Excessive Housing Prices in Some Cities" implements a stricter differentiated housing credit policy.

For families (including borrowers, spouses and minor children, the same below) who purchase their first self-owned house with a floor area of more than 90 square meters, the down payment ratio of the loan shall not be less than 30%; For families who take out a loan to purchase a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be lower than multiple of the benchmark interest rate; For the purchase of a third or more housing with a loan, the down payment ratio and loan interest rate shall be increased substantially, which shall be determined by the commercial bank on its own in accordance with the principle of risk management. The People's Bank of China and the China Banking Regulatory Commission should guide and supervise commercial banks in strictly managing housing consumption loans. The Ministry of Housing and Urban-Rural Development, in conjunction with the People's Bank of China and the China Banking Regulatory Commission, should work out the identification standards for the second house.

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The house is also important for every family, especially for some people who buy their first home, they will encounter various problems when buying a house, such as how much down payment needs to be prepared to buy a house. Let's introduce you to how much is the down payment for your first house.

1. The proportion of the down payment for the new house.

1. Generally speaking, the loan of a new house does not need to be evaluated, and the loan amount is also calculated according to the transaction price. Buyers can also prepare according to the local loan policy. For example, in first-tier cities such as Beijing and Shanghai, the minimum down payment for the first home is also charged at a rate of 35%; Relatively speaking, the minimum down payment ratio in cities with purchase restrictions is mostly 30%; For example, for some cities with no purchase restrictions, then its minimum down payment ratio is also charged at 20% to 25%.

2. For example, for example, if the down payment for the first house in the city where the buyer is located is charged at 30%, if the total price of the house is 1 million, then you have to subtract some taxes, and the buyer only needs to make a down payment of 300,000 yuan.

3. Of course, the buyer can apply for a provident fund loan under its conditions, so he can also enjoy the loan interest rate. If the conditions do not meet the CPF loan, you have to apply for a business loan.

Second, the proportion of down payment for second-hand housing.

1. The second-hand down payment ratio is similar to the down payment regulations for new houses, but there is a difference, that is, the second-hand loan should use the appraisal price, you must know that the appraisal price is also 80%-90% of the transaction price, so the loan amount of the second-hand house will be relatively lower than that of the new house, and the down payment will be higher.

2. For example, if the minimum down payment of the buyer in his city is charged according to the proportion of 30%, the total price of the second-hand house is 1 million, and the appraisal price is 90% of the payment price, then the down payment that the buyer needs to prepare is 370,000 after excluding taxes and fees.

Summary: About the amount of the down payment for the first house, the relevant content is introduced here, the down payment depends on the city you are in, different cities still have some different charging standards, and there is still a big difference between new houses and second-hand houses. I hope the above introduction is helpful to you.

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