Beijing house down payment loan

What is the minimum down payment for Beijing house price?

The house price is very high now. If you want to buy a house in full at one time, it is very difficult. Many people choose to pay a down payment to buy a house, and then pay the mortgage every month. Beijing is a mature city that many people want to take root in, but now there are so many housing prices in Beijing that many friends who want to buy a house have a headache. So what is the down payment ratio for buying a house in Beijing? Next, Bian Xiao tells you the policy of buying a house in Beijing and the down payment ratio.

What is the minimum down payment for Beijing house price?

Under different circumstances, the down payment ratio of buying a house in Beijing is different, as follows:

1. When buying a new house in Beijing, the down payment for commercial loans is as low as 20%.

2. Use the provident fund loan to buy the first house, and the down payment is as low as 20%.

3. Residents buy two suites, and the down payment is as low as 60%. the same

If you buy the third suite, the bank may refuse the loan.

If not, the down payment is as low as 30%.

Beijing's housing purchase policy

1, purchase restriction policy

For Beijing registered households who already own a house in Beijing, and non-Beijing resident families who hold a valid Beijing temporary residence permit and have no house in Beijing but have paid social security or personal income tax in Beijing for five years or more, one house is restricted. This house is either a new house or a second-hand house.

2. Stop selling policy

To stop selling is to stop selling to it. Relevant policies stipulate that the sale of houses (within the scope of Beijing) will be suspended for Beijing local registered households with two or more houses and non-Beijing registered households with/kloc-0 houses.

3. New down payment policy for the second suite.

Whether it is a commercial loan or a provident fund loan, the down payment ratio of the second home is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate.

Editor's summary: The above is the introduction of the minimum down payment for housing prices in Beijing. Buying a house in Beijing itself is not easy, and it costs a lot of money. Therefore, if you want to buy a house in Beijing, you must know in advance what is the down payment ratio of buying a house in Beijing, so that you can know how much money you should prepare.

How much is the down payment for a house in Beijing?

Beijing's housing prices are very high, and it is difficult to buy a house at one time, so many people choose mortgage loans to buy a house, and loans to buy a house require a down payment. So how much is the down payment for buying a house in Beijing? Let's take a closer look with Bian Xiao.

How much is the down payment for a house in Beijing?

At present, the loan methods of buying a house are divided into commercial loans and provident fund loans. Different loan methods will have different down payment ratios. If the situation of buyers is different, then the proportion of down payment for buying a house in Beijing is also different, including the following situations:

1. Take the purchase of the first suite as an example. When buying a new house and the house area does not exceed 90 square meters, the down payment ratio is as low as 20%. If it is a house worth 3 million, then the down payment is 600 thousand.

2. When buying a second house, the down payment ratio is as low as 60%. It is also a house worth 3 million yuan, so the down payment is 1.8 million.

3. When the property buyer purchases the third suite, the loan bank will not approve the applicant's loan application according to the actual situation of the house price.

4. If the buyer buys the first house with the provident fund loan, the down payment ratio that the buyer needs to pay is as low as 20%.

5. If none of the above conditions exist, the down payment ratio that buyers need to pay is as low as 30%.

6. From the above situation, the down payment that buyers need to pay will be different with different house prices. In addition, the down payment for buying a house in Beijing depends on the housing area purchased by the buyer.

The above is an introduction to the down payment of houses in Beijing. Before buying a house in Beijing, we must first understand the down payment ratio and the policy of buying a house in Beijing, so that we can know how much money we need to prepare for buying a house, so that we can better understand it and buy a house more easily.

What is the minimum down payment for buying a house in Beijing?

Beijing's housing prices have been very high, which makes many buyers bear great pressure to buy houses; So what is the minimum down payment for buying a house in Beijing? Let's take a look with Bian Xiao!

What is the minimum down payment for buying a house in Beijing?

1. Purchase the first suite with an area less than 90 square meters, with a minimum down payment of 20%;

2. Buy two houses with a minimum down payment of 60%;

3. The minimum down payment for using provident fund loans is 20%;

4. If it does not belong to the above situation, the minimum down payment is 30%.

What conditions do foreigners need to buy a house in Beijing?

1. When foreigners buy a house in Beijing, they must provide proof that they have paid personal income tax or social security in Beijing for more than five years;

2. Have a valid Beijing temporary residence permit;

3. The buyer has no room in Beijing and buys a house for the first time;

4. Have a valid ID card, household registration book and marriage certificate;

What should I pay attention to when buying a house?

1, housing quality problem

When buying a house, we should pay attention to the quality of the house to see if there are problems such as wall cracking, house leakage, wall peeling and poor sound insulation.

2. Housing area problem

The error of housing area is very common in the process of housing transaction. In accordance with the provisions of the state, if there is an agreed error in the contract, it shall be calculated according to the contract. If there is no agreed error ratio, it shall be calculated within 3%. If the error exceeds 3%, it shall be borne by the developer and the ownership shall be yours.

3, the delivery time.

When signing a house purchase contract, the delivery time of the house must be agreed in the contract. If the delivery is delayed, then both parties can agree on a date for the developer to deliver the house within the grace period; If the developer still cannot deliver the house within the grace period, the owner may terminate the contract and the developer shall bear the liability for breach of contract.

4, the deposit problem

The deposit problem is the most prone to problems, because many people will confuse "deposit" with "deposit". When signing the subscription contract, you must write a deposit; Deposit means that the seller accepts the buyer's deposit as a guarantee for concluding a commercial housing sales contract by ordering or booking. If one party fails to conclude a sales contract, it shall be handled in accordance with the provisions of the deposit.

Bian Xiao concluded: The above is related to the minimum down payment for buying a house in Beijing. I hope it will help everyone.

What is the down payment ratio for buying a house in Beijing?

Housing prices in big cities are very high at present. It is very difficult for ordinary families to buy a house in full. Therefore, many people will choose loans to buy a house, and loans to buy a house require a down payment. What is the down payment ratio for buying a house in Beijing? What are the housing policies in Beijing? Keep reading if you want to know!

1. What is the down payment ratio for buying a house in Beijing?

The down payment ratio of housing in Beijing can be divided into two situations: 1. For the first time to use the housing provident fund to buy a house, the down payment ratio shall not be less than 20%, and the down payment ratio of more than 90 square meters shall not be less than 30%; 2, the use of mortgage loans to buy a house, the purchase of the first suite shall not be less than 30%, the second suite shall not be less than 60%, the third suite shall not use loans.

2. What are the housing policies in Beijing?

1. Beijing-registered families who have bought houses in Beijing, or non-Beijing-registered families who hold temporary residence permits in Beijing and have paid taxes or social security in Beijing for more than five years, can buy houses in Beijing, either newly-built commercial houses or second-hand houses.

2. For local registered families who have purchased two or more houses, or non-local registered families who have purchased 1 house and above, they are not allowed to buy houses in Beijing's restricted purchase area. In addition, non-local households are not allowed to buy a house in Beijing if they cannot provide temporary residence permits and proof of tax payment or social security payment for more than five years.

3. No matter whether buyers choose commercial loans or housing provident fund loans, as long as they buy a second suite, the minimum down payment ratio is 60%, and below 60%, they cannot apply for loans to buy a house.

Summary: what is the down payment ratio of Beijing's house purchase? I will introduce it to you here, hoping to help friends in need. Friends who want to buy a house in Beijing must know the down payment ratio of buying a house in Beijing in advance so as to make preparations in advance.

What is the down payment ratio for buying a house in Beijing?

Beijing is the capital of our country, and everyone knows that the housing prices here are relatively high. If you buy a house in full at one time, it can be said that it is more difficult, so most people will choose to pay the down payment to buy a house first, and then pay back the mortgage every month. The following small series will introduce you to the down payment ratio of buying a house in Beijing.

First of all, according to different situations, the down payment ratio of buying a house in Beijing is also very different, including the following situations:

1. If the house purchased by residents is the first suite, and the area of the house purchased does not exceed 90_, then the down payment is as low as 20% in this case.

2. Residents buy two suites, and the down payment is as low as 60%.

3. When residents buy the third suite, the bank will not refuse the loan application at this time.

4. If you use the first house when buying a house, the down payment is as low as 20%.

If not, the down payment is as low as 30%.

Beijing's housing purchase policy

1. Purchase restriction policy: For Beijing registered households who already own a house in Beijing, if you still hold a valid Beijing temporary residence permit and Beijing has no house, but have paid social security or personal income tax in Beijing for 5 years or more and are not registered households in Beijing, you can purchase a house.

2. Stop selling policy: At present, stop selling is actually stop selling to it. This is also based on relevant policies and regulations. If some Beijing registered households already own two or more houses or 1 non-Beijing registered households with two or more houses, and cannot provide a valid Beijing temporary residence permit and pay social security or personal income tax in Beijing for five consecutive years or more, the housing sales will be suspended (in Beijing).

3. New down payment policy for the second home: No matter whether you choose commercial loans or provident fund loans, the down payment ratio for the second home is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate.

Summary: the down payment ratio of buying a house in Beijing is so much. We know that this down payment ratio is also determined according to the actual situation. I hope the above introduction will be helpful to everyone.

This is the introduction of Beijing down payment loan and the end of Beijing down payment loan process. I wonder if you found the information you need from it?