What is the down payment ratio of 20 18?

Buying a house is not only an important event for individuals or even family members, because it usually takes a lot of time and energy and a lot of expenses. In the case that our funds are not abundant, we are more concerned about the down payment ratio of buying a house. Because the down payment ratio is related to the repayment amount and repayment pressure in the future, if you don't want to have too much repayment pressure in the future, you can appropriately increase the down payment ratio, so you should choose the down payment ratio according to your actual situation when buying a house, so what is the 20 18 down payment ratio? Next, let's take a closer look.

What is the down payment ratio of houses in unlimited cities?

The down payment ratio of unrestricted cities is different from that of general restricted cities. According to the notice of the central bank and China Banking Regulatory Commission (CBRC) 20 15, the minimum down payment ratio of the first suite in an unrestricted city is not less than 25%. In 20 16, the central bank made adjustments, and the down payment ratio of unrestricted cities can be lowered by 5 percentage points, which means that buyers in unrestricted cities can enjoy a down payment ratio of 20%. Moreover, the down payment ratio of the second suite has also dropped from 40% to 30%. This preferential policy greatly reduces the down payment pressure of buyers, and also allows buyers to live in new houses without spending too much down payment. Up to now, most cities in China are still implementing this policy. In 2065438+2008, the minimum down payment for the first suite in cities that have not purchased houses can reach 20%, generally 25%, and the down payment ratio for the second suite can reach 30%.

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

House prices in cities with restricted purchases generally rose rapidly. In order to achieve the goal of not speculating in housing, but also to control excessive housing prices, the down payment ratio of houses in restricted cities is generally higher than that in non-restricted cities. Among them, the down payment ratio of provident fund loans in cities that are not limited to purchase is generally 20%, and the down payment ratio of commercial loans is 30%; If you buy a second suite, then the down payment ratio of buying a house cannot be less than 40%.

20 18 what are the changes in the down payment policy for buying a house?

1. People who buy ordinary houses for the first time can enjoy a minimum down payment ratio of 25%. According to 20 15 of the central bank and the China Banking Regulatory Commission, if you already own a house and apply for a loan to buy a house again in order to change your living conditions, the bank will implement the first home loan policy, and the minimum down payment ratio for buyers is 30%, that is to say, you have already paid the corresponding house loan.

2. From 20 18, when people apply for personal housing loans, they all need to use the contract price signed online and the house evaluation price as the bank loan amount approved by the bank, which has changed a little compared with the previous bank loans, and since 20 18, 1, the second-hand housing loans have also changed. Yin-yang contract is not allowed, and the audit is more based. Taking the contract price and house appraisal price signed online as the base for banks to calculate loans, there will be great changes in approving bank loan quotas.

How to pay the down payment by installment?

Another way to make up the down payment for buying a house is to pay by installment. If the property buyers do not have sufficient funds and can't come up with so much money, they can discuss with the developers and make up the remaining house payment within a certain period of time. They can pay 10% or 20% of the house price in advance and repay it within a certain period later. This is the last resort. For the first suite, the down payment ratio only needs to be calculated according to 25% of the total house price. If it is a provident fund, the down payment ratio is 20%.

There are two main ways for developers to pay down payment by installments. One is that after the buyer pays part of the house price, the developer pays the remaining down payment for the buyer, and the buyer can apply for a loan from the bank, and then the buyer can return the remaining down payment to the developer within the prescribed time limit. Another way is for developers to collect scattered down payment from buyers. After the buyer pays the remaining down payment within a certain period of time, the buyer and the seller formally sign a house purchase contract, and then the buyer borrows money from the bank. It should be noted that the follow-up repayment pressure of buyers in these two ways is relatively large, and buyers need to choose the appropriate down payment ratio according to their actual situation.

Generally speaking, the down payment ratio of the first suite provident fund in the restricted city is 20%, and the down payment ratio of commercial loans is 30%. The down payment ratio of the first suite can reach 20%, generally 25%, and the down payment ratio of the second suite can reach 30%. When choosing the down payment ratio, buyers should choose according to their actual situation. If they don't want to repay too much, they can raise the down payment appropriately. The above is my answer to the down payment ratio of 20 18. I hope it will help you.