The current policy of the second home loan is to make a down payment of 4%, and the loan interest rate will rise by 1%.

according to the commercial loan and provident fund loan, the down payment ratio of the second-hand house is as follows:

1. The buyer purchases the first house by commercial loan, with the minimum down payment ratio of 3% of the appraised house price and the maximum loan ratio of 7%;

2. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 5% of the appraised house price and the maximum loan ratio of 5%;

2. Buyer's provident fund loan to purchase a house:

1. The buyer chooses provident fund loan to purchase the first house, with the minimum down payment ratio of 2% of the appraised house price and the maximum loan ratio of 8%;

2. The buyer chooses provident fund loan to purchase two houses, with the minimum down payment ratio of 4% of the appraised house price and the maximum loan ratio of 6%;

3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.

suggestion:

if the previous set is commercial loans, then the second set can use provident fund loans, so the provident fund loans can still be regarded as the first set. (Generally, the first set of provident fund loan policy can make a down payment of 2%, and the loan amount is 15 times of the balance of the provident fund account.) For example, if there is 1, yuan in the account, you can borrow 15, yuan. If the balance of one person's provident fund is not enough, both husband and wife can * * * the same loan. However, many banks that developers cooperate with are unwilling to run provident fund. You can find a bank to do it yourself, but you need the developer to provide a copy of the five certificates, that is, direct customer loans.

find a trusted relative (except husband and wife, such as parents, but must be someone with no loan record) as the owner of the property. You can divide the property right into 99% for you, 1% for your parents, and the parents are the main borrowers, and you can enjoy the first set of preferential treatment. Loan age: Generally, the maximum loan age is 7 for men and 65 for women. ?