How much is the down payment for buying a house in Shanghai?
1, 30,000 yuan/flat house, 100 flat house is 3 million. Then, 20% down payment is 600,000, 30% down payment is 900,000, and 40% down payment is 654.38+0.2 million. The down payment amount was determined according to the national policy at that time.
2. Considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment, that is, the individual will pay a part of the house payment in advance to prove that you have the repayment ability. The requirement is that the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total house price.
3. On March 25th, 2006, Shanghai issued "Several Opinions on Further Improving Shanghai's Housing Market System and Security System to Promote the Stable and Healthy Development of the Real Estate Market", which made it clear that the down payment ratio should not be less than 50% for households with/kloc-0 apartments who want to apply for commercial personal housing loans to buy ordinary self-occupied houses again in order to improve their living conditions; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
4. In the Notice of the General Office of the State Council on Forwarding the Opinions of the Ministry of Construction and Other Departments on Adjusting the Housing Supply Structure and Stabilizing the Housing Price, in order to curb the excessive rise of housing prices, the down payment ratio of individual housing mortgage loans shall not be less than 30% from June 1 day, 2006. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters.
What are the requirements for buying a house in Shanghai?
According to Shanghai's purchase restriction policy, the masses are mainly divided into four categories: single people and married people, Shanghainese and non-Shanghainese.
1, single person. Non-Shanghai residents are restricted from buying a house; If you are a Shanghai citizen and already have a house under your name, you can't buy a house if you are restricted; If you are from Shanghai, my parents and I have three or more houses before 20 1 1 year 65438+1October 30, which is also a purchase restriction. If there are less than two houses, we can buy another house.
2. Married people. If you are a non-Shanghai citizen, you must pay social security for at least 5 years before you are eligible to buy a house; One of the husband and wife is a resident of Shanghai and can buy the first suite, but the second suite needs to provide 5-year social security or tax payment certificate; Both husband and wife are residents of Shanghai. Before 20 1 1 10, the number of houses owned by both husband and wife and their parents can be less than or equal to 2 sets, 2 sets can be purchased, and 3 sets can be purchased 1 set.
It is relatively easy for married people to buy a house, but non-Shanghai residents must also provide social security certificates for five consecutive years. There is no restriction on the first suite of married Shanghai residents. Of course, in order to prevent some people from speculating in real estate, there are corresponding restrictions on the number of houses owned by families.
The price of buying a house in Shanghai is naturally higher. Everyone must pay attention to the specific policies and processes of buying a house. The above is an introduction about the down payment for buying a house in Shanghai, and what are the conditions for buying a house in Shanghai. For friends who plan to buy a house, we must pay attention to the specific matters of buying a house and choose a house in a suitable location to buy.