Restricted purchase and loan policy

According to China's 20 18 policy of restricting purchases and loans, the minimum down payment varies greatly among cities, with 20% for the first suite and 30% for the second suite in cities that are not restricted to purchase; The first set of restricted cities are mostly 30~35%, and the second suite is mostly 40%~60%.

For example, the minimum down payment ratio of the first suite in Beijing and Shanghai is 35%; The minimum down payment ratio of other restricted cities is mostly 30% (Guangzhou, Shenzhen, Nanjing, Wuxi, Jinan, Hangzhou, Dongguan, Zhuhai, Xiamen, Wuhan, Suzhou, Fuzhou, Foshan, Hefei, Chengdu, Tianjin, Changsha, Shijiazhuang, Qingdao, Ganzhou, Sanya, Langfang, Zhangjiakou, Baoding, Hainan, Qinhuangdao, Chengde, Jiaxing, etc.

If the minimum down payment ratio of the buyer's city is 30% and the total house price is 654.38+00,000, excluding tax, the buyer needs to prepare a down payment of 300,000.

Qualifications of buyers

In addition to the national policy of restricting purchases and loans, the down payment amount is also affected by the qualifications of buyers, including: the personal credit status of buyers, the number of houses owned, the age of houses purchased, etc. These will affect the minimum down payment ratio.

Second, what are the factors that affect the down payment?

1, nature of the house

The down payment ratio of second-hand housing loans is the same as that of new houses, but the biggest difference is that second-hand housing loans generally adopt the evaluation price, which is generally only 80%-90% of the transaction price, so the loan amount of second-hand housing is lower than that of new houses, and the down payment is higher.

For example, if the minimum down payment ratio of the city where the buyer lives is 30%, the total price of the second-hand house is 6.5438+0 million, and the evaluation price is 90% of the transaction price, excluding tax, the buyer needs to prepare a down payment of 370,000. The calculation formula is: 1 ten thousand *90%* 30%+( 1 ten thousand-/ten thousand *90%*).

2. The loan amount and duration

The loan amount and fixed number of years are also important factors affecting the down payment. For example, buyers can choose to pay more down payment, less loan life or less down payment and longer repayment life. The specific content should be judged according to the financial planning, personal needs and repayment ability of the buyers' families.

3. Other factors

When preparing for the down payment, buyers should also pay attention to their own reserves, do not put all their savings in, and reserve other expenses. The new house needs to prepare deed tax, house maintenance fund, decoration fee, monthly payment, property fee, etc. Second-hand houses need to prepare deed tax, value-added tax and surcharges, personal income tax, monthly payment, property fees, agency fees and evaluation fees. In addition, decoration expenses, furniture and household appliances also need to be included in the purchase funds, otherwise you can't stay if you buy a house without decoration.

Down payment is the first step in buying a house. While preparing for the first step, you can also prepare for the second step. For example, you can know the relevant loan information and changes in the property market in advance, and make a good purchase plan for the loan to buy a house.