Generally 30%. According to the latest mortgage regulations in 2023, the down payment ratio for purchasing the first suite is 30%, and the down payment ratio for purchasing the second suite is 40%. If the third suite cannot be loaned, it must be purchased in full.
How much is the down payment for buying a house in Fuzhou?
1. How much is the down payment for buying a house in Fuzhou? Take the first suite as an example, the minimum down payment for a new house with a purchase area of not more than 90 square meters can reach 20%; In the case of the second suite, the minimum down payment for purchasing real estate is 60%; For three suites, banks that need loans may not issue loans according to the house price; Otherwise the minimum down payment is 30%. According to the regulations, the general down payment is 30%, that is to say, 30% of the down payment is not allowed, and you must pay in cash, and the remaining 70% can only be paid by loan. If you have extra spare money, you can also pay a little more down payment to ensure that the risk of repayment will be reduced later. Let's take a look at some specific problems of loan down payment and down payment. Besides, you need to be clear. The remaining 70% can be loaned. Second, what is the process of buying a house with a loan? There are two kinds of loans to buy a house, one is a provident fund loan and the other is a commercial loan. The interest of provident fund loans is much lower than that of commercial loans. (1) preliminary examination: the housing provident fund management center conducts preliminary examination on the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation. (2) Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated. (3) Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center will issue the "Notice of Investigation on Guaranteed Entrusted Loans of Beijing Housing Provident Fund Management Center". (4) Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Guaranteed Loans issued by Beijing Housing Provident Fund Management Center, and handles guarantee procedures according to the guarantee method he chooses. (5) sign a loan contract. The down payment of a house depends on the price of the house. The higher the price of your favorite house, the more down payment. Outside Fuzhou, most provinces require a down payment of 30% of the house price. If you are interested in buying a house in Fuzhou, you should have a certain understanding of the average house price in Fuzhou. The ratio of house price to down payment is the down payment standard of the house.
3.20 17 what is the down payment requirement for buying a house in Fuzhou?
Procedures and costs of buying a house
When buying a house, buyers will go through several different stages, such as signing a purchase contract, moving in, and handling a real estate license. Many people who want to buy a house are not very clear about how the buyers should go through the formalities at various stages, whether they need to spend or not, and how much they will spend.
When the developer sells the house, he only tells the buyers the total price of the house purchased, and the total price of the house does not include other taxes and fees that need to be paid except the house payment. Then, in the process of buying a house, what fees do buyers need to pay and how much do they need to pay? In this issue, we analyze the various expenses that need to be paid in the process of buying a house by stages.
Step 1: Pay the down payment and sign the sales contract.
■ Pay attention to the content of the house purchase contract.
After you choose a house and pay a certain room reservation fee (that is, deposit), the developer will inform you when to sign the purchase contract. So what should I pay attention to when signing the contract? First of all, you should make it clear that the "Commercial Housing Sales Contract Text" signed with the developer is a contract text uniformly printed by the Beijing Municipal Bureau of Land Resources and Housing Management. You should make it clear whether the person who signed on behalf of the developer is its legal person, and if not, whether it holds a "power of attorney". At the same time, you should ask the developer to affix the official seal to the contract.
When signing a contract, be sure to read the contract text carefully and confirm the contents signed by both parties. If what you care about is not reflected in the contract, then you must sign a supplementary agreement or a special agreement with the developer.
■ Don't forget to check the "two books" when signing the house purchase contract.
At the same time of signing the contract, the developer should provide the Residential Quality Guarantee and the Residential Instruction Manual, so that the property and the equipment in the property can be used smoothly when the building is repossessed, and the developer can enjoy the warranty service pass. With these two books in hand, it shows that the property you get is still relatively credible.
■ You have to pay stamp duty if you pay the down payment.
After signing the house purchase contract, don't forget to pay the stamp duty at the same time as the down payment: 0.5‰ of the total house price.
Step 2: apply for a house purchase loan and pay the relevant fees.
■ Choose the loan method that suits you.
After signing the house purchase contract, it is time for you to apply for a house purchase loan. So which loan method is more suitable for individuals? The following will introduce provident fund loans, commercial loans and portfolio loans. You can choose the loan method that suits you according to your actual situation.
1. The interest rate of provident fund loans is lower than the commercial interest rate. Compared with the two, the annual interest rate of five-year (including five-year) housing provident fund loans is lower than that of commercial loans 1. 17%, and the annual interest rate of housing loans over five years is lower by 0.99%. If the loan is based on the upper limit (at present, the upper limit of housing provident fund loan is 300 thousand), the interest difference is still quite large. A year later, the difference is about 20%. The loan is 65,438+05 years, and the difference is about 30,000-40,000.
2. The down payment of provident fund loans is lower than that of commercial loans 10%. At present, the highest proportion of commercial loans is 80%, that is, buyers have to pay at least 20% of the total house price as a down payment, while housing provident fund loans can reach up to 90%, that is, buyers can apply for loans with a down payment of 10%.
3. Loan insurance is different. Commercial loans only need to apply for housing insurance, while housing provident fund loans need to apply for personal insurance according to regulations if they do not choose a guarantee center as a guarantee, and housing insurance is purchased voluntarily. Because of life insurance, according to the contract signed with the insurance company, once the lender dies or is completely disabled due to illness or accidental injury, the loan will be repaid by the insurance company; In addition, if the lender is unemployed for more than one year and cannot repay the loan, the insurance company will repay the principal and interest of the loan that must be repaid during the period of receiving unemployment benefits. After the registration of real estate mortgage is completed, the life insurance contract can also be terminated and the insurance premium can be returned to the insurance company.
4. Compared with commercial loans, the procedures of provident fund loans are more complicated.
5. In addition, there is a combination of loans. When property buyers need to apply for a large loan amount, they can apply for both commercial loans and provident fund loans. Therefore, it has both the advantages of housing provident fund loans and the disadvantages of commercial loans.
■ Fees to be paid for handling loans.
After the property buyers choose the loan method, they can go to the relevant departments to handle the loan procedures, and also need to pay the following fees:
1. Attorney's fee: 3‰ of the loan amount applied. If it is less than 100 yuan, it will be charged at 100 yuan; Housing provident fund loans, no lawyer fees; But if it is a portfolio loan, the commercial loan will be charged at 3‰.
2. Notarization fee: If the house needs to be notarized, a certain percentage of notarization fee shall be paid. The standard of notarization fee is generally from 200 yuan to 400 yuan, or charged according to the standard of notary office.
3. Insurance premium: There are two forms. Currently, the following 1) form is generally adopted.
1) mortgage plus joint liability guarantee: insurance premium = house payment x annual insurance rate x discounted present value coefficient.
2) The comprehensive insurance of mortgage plus house purchase consists of home insurance and life insurance:
① Housing insurance = loan amount x annual insurance rate x discounted present value coefficient
② Personal insurance = loan amount x (main insurance rate x unemployment insurance)
What needs to be explained here is that attorney fees and notary fees are not necessary fees, but due to the complicated procedures when handling the above procedures, most property buyers entrust developers, law firms or other intermediaries to handle them uniformly. If you don't need to entrust an agent or notarization, you don't need to pay these two fees.
Step 3: move in and sign the property management convention.
■ Bring materials and prepare to take them back.
Receiving the notice of occupancy from the developer marks the beginning of the owner's repossession. The occupation notice will generally explain the time and place of recovery, the materials to be brought and the fees to be paid. If you are out of town and don't have enough time to check in in person, then you must appoint a trusted client to sign all kinds of check-in documents for you. Of course, this client must hold your power of attorney. ■ Sign the property management convention.
"Property Management Convention" is the standard of your rights and obligations in your future life. You should know exactly what kind of service standard the property provides. What are the components of property management fees to be paid in the future? How are cleaning fees, security fees and greening fees approved? Let the property management company make it clear, make it clear, and it is indispensable to prevent people. Also, you'd better check the qualifications of the residential property management company to see if there are any management standards you require, so as not to bring unnecessary trouble to the future management.
■ Calculate the pool area and sign the house acceptance form.
What is the total area of the property you bought? The developer should issue the completion survey form issued by the Beijing Housing and Land Administration Bureau or the surveying and mapping team directly under the District Bureau to see what area you have shared in the whole building.
■ Pay heating fee and property management fee.
Of course, you have to pay some fees when you check in. Usually, the developer will send the notice of payment together with the notice of occupancy to the owner, and the notice details the fees that should be paid.
1. Property management fee: General property management companies will charge a property management fee for one year.
2. Heating fee: Due to the different heating methods in the community, the heating fee paid is also different. Supplied by the Municipal Heating Group, it is 24 yuan per square meter of building and heating season; Coal-fired boiler (direct supply) supply 16.5 yuan per square meter construction and heating season; Coal-fired boiler (intermittent supply) supply 19 yuan per square meter construction and heating season; Fuel oil (diesel oil), gas (natural gas, gas) and electric boiler are supplied for every square meter of building, and 30 yuan is used in heating season.
Step 4: Apply for the house title certificate.
■ What fees do I need to pay for the title certificate?
After all the formalities are completed, the developer will inform you that the public maintenance fund of the house is also the fee you should pay. You may encounter large-scale house maintenance in your later life. If you don't pay this fee, your legitimate rights and interests will not be safeguarded. Even if you don't trust the developer, you should realize that this public maintenance fund, which accounts for 2% of the total house price, is only collected by the developer for the government and has no right to use it at all.
Finally, it's time to apply for the real estate license. The fees to be paid by the buyer at this stage are as follows:
65,438+0. Deed tax: After July 2002 1, the house with a building area of less than 1.20 square meters shall be paid according to 1.5% of the total house price; When purchasing a house with a building area exceeding 120 square meters, the deed tax shall be paid at the rate of 3% for the part exceeding 120 square meters, and at the rate of 1.5% for the part below 120 square meters.
2.* * * * Facility maintenance fund for the use site * *: 2% of the total house price; After the establishment of the owners' committee, it shall be managed by the owners' committee.
3. Housing property registration fee: paid according to the 80 yuan price of each house;
4. Real estate license: 4 yuan for each real estate license;
5. Stamp duty: 5 yuan per piece.
These are the fees that need to be paid for buying commercial housing, but the fees that need to be paid for buying different houses are different and vary from person to person.
4.20 17 What is the down payment requirement for buying a house in Fuzhou?
Take our personal housing loan as an example: 1, the first suite, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (untrue 25%); 2. The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
Your specific loan amount requires you to submit relevant information, which can only be determined after online audit. Please contact a loan department for consultation.