At the end of March 2065438+2005, the down payment ratio of the second suite was lowered, with the minimum down payment ratio of 40% for the new second suite and 30% for the provident fund loan second suite. In the past, the down payment ratio of the second suite was 37, 46 and so on.

20 15 the down payment ratio of the second suite is 40%

According to the documents issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank, in 20 15, the down payment ratio of the second suite will be reduced to 40%. The minimum down payment ratio for the first suite of provident fund loans is 20%, and the minimum down payment ratio for the second suite is 30%.

Whether it is a commercial loan or a provident fund loan, the down payment ratio of 20 15 second home has decreased, and it will be easier to buy two improved houses.

The down payment ratio of the previous second suite

Before the document was issued, the current down payment ratio of the second suite was between 60% and 70%. The down payment ratio of the second suite in four first-tier cities in the north, Guangzhou and Shenzhen and some hot-spot second-tier cities is 70%, and the down payment ratio of the second suite in most third-and fourth-tier cities is 60%. Details are as follows:

The down payment ratio of the second suite is 70%: Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Xiamen, Nanchang, Kunming, Wuhan, Ningbo and Nanjing.

The down payment ratio of the second suite is 60%: Harbin Xi 'an Inner Mongolia Zhongshan Jinan Taiyuan Jining Changchun Chongqing Hefei Dalian.

The down payment ratio of the second suite was lowered to reduce the down payment pressure.

The down payment ratio of the second suite will be reduced to 40%, and the down payment can be reduced by 20% to 30%. A house with a total price of 1 10,000 can be reduced by 200,000-300,000, greatly reducing the down payment pressure of buyers. In addition, the reduction of mortgage interest rate in the document will continue to reduce the repayment pressure of buyers.