Legal subjectivity:

First of all, we need to understand whether the home buyer owns a property, one or two. 1. If the home buyer no longer owns the real estate, that is, the first second-hand house, then the down payment for the second-hand mortgage must not be less than 30%. The 30% value mentioned here is not based on the transaction price but on the appraised price. 2. Second-hand house loans are based on the evaluation of second-hand houses as a reference, and generally the evaluation price is lower than the market price. 3. If the home buyer owns a property, then his down payment ratio for the second-hand house should be about 70%. 4. The base interest rate is currently 6.55%, and some banks can offer a 15% discount on the first purchase. 5. In the case of three properties, if you need to borrow money from the bank to buy a second-hand house, the loan will not be granted according to regulations. The down payment ratio for second-hand houses: 1. If you purchase a second-hand house with a commercial loan, the loan down payment ratio for a family (including the borrower, spouse and minor children) buying their first home with a floor area of ??more than 90 square meters Not less than 30%. 2. For families purchasing a second home with a loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be lower than 1.1 times the benchmark interest rate. 3. For those who want to purchase a third or higher house with a loan, the bank will basically not grant a loan application. 4. If the provident fund loan is used to purchase a second-hand house, families (including borrowers, spouses and minors) who purchase their first home with a floor area of ??less than 90 square meters (including 90 square meters) or purchase affordable housing in accordance with regulations Children, the same below), the down payment ratio shall not be less than 20%. 5. Industrial and Commercial Bank of China, China CITIC Bank, etc. can still apply for a 30% down payment and 15% discount on the interest rate for the first home. 6. Banks such as Bank of China, Agricultural Bank of China, and China Construction Bank have all increased the loan interest rate discount for first-time buyers to 10% off. Commercial loans and provident fund loans are used to buy second-hand houses. The down payment ratios for second-hand houses are definitely different. Looking at it this way, the down payment for buying a second-hand house is more than that for a new house. However, because the price and location of second-hand houses are relatively better, the second-hand house market is still very hot. Legal objectivity:

Article 470 of the "People's Republic of China and Civil Code"

The content of the contract is agreed upon by the parties and generally includes the following Terms:

(1) Name and address of the parties;

(2) Subject matter;

(3) Quantity;

(4) Quality;

(5) Price or remuneration;

(6) Time limit, place and method of performance;

(7) Liability for breach of contract;

(8) Methods of resolving disputes.

The parties may conclude a contract by referring to the model texts of various types of contracts.