To buy a house, not only need the time and place, in fact, but also need to seize the policy opportunity to ride the trend, in order to perfect finish. Nowadays, the first suite of preferential policies have a lot of, where the first time to buy a house friends can go to understand the relevant policies in advance, so that when you buy a house to be able to do a good idea. Then Xianyang first suite down payment ratio is how much? The first thing you need to do is to get your hands on a new one, and you'll be able to do that.
How much is the down payment for the first suite in Xianyang?
1, Xianyang first suite of commercial loans: to the family as a unit, if it is the first time to buy a home, you can borrow up to 70% of the appraised value of the house (the appraisal price is usually lower than the market price.
2, Xianyang first suite of provident fund loans: the family as a unit, if it is the first time to buy a home, you can borrow up to 80% of the appraised value of the house (90 square meters, more than 90 square meters is 70%). Note: CPF, if not rated, can generally only lend up to 800,000, but it depends on your CPF contribution and contribution ratio.
3, Xianyang first suite first suite down payment calculation: down payment = total house payment - customer loan amount; loan amount = contract price (market price) × 80% (the first loan amount can be as high as 80%)
4, in general, in accordance with the existing implementation of the first suite standard is: Xianyang first suite of new homes commercial loan down payment ratio is 30%. Provident fund loan down payment ratio for the first suite of 90 square meters (including) the following provident fund loan down payment ratio shall not be less than 20%, more than 90 square meters of housing provident fund loan down payment ratio shall not be less than 30%.
Hamyang first suite loan What are the preferential policies?
1, the individual first purchase of 90 square meters of ordinary housing in Xianyang, enjoy the deed tax rate down to 1% of the preferential.
2, Xianyang first suite is temporarily exempted from stamp duty and land value-added tax these two taxes.
3, Xianyang first suite of loan interest rate of the lower limit can be expanded to 0.7 times the prime rate of the loan, and low down payment ratio adjusted to 20%.
4, Xianyang first suite of individual housing provident fund loan interest rates, all grades of interest rates were reduced by 0.27 percentage points.
5, the buyer will buy more than 2 years of ordinary housing for sale, the buyer does not have to bear the business tax.
6, exempt from the housing registration fee for the purchase of ordinary housing buyers, as well as the purchase and sale of stock housing transfer fees.
7, for the ownership of a home and the corresponding purchase of housing loans have not been settled residential families to buy a second suite, the house low down payment ratio adjusted to not less than 40%.
8, for the use of housing fund loans to buy Xianyang first set of ordinary housing, the low down payment of 20%; if you have a home and has settled the loan of the family, and then apply for housing fund to buy a home, the low down payment of 30%.
9. The People's Bank of China has stipulated that urban residents in China should enjoy preferential interest rates on mortgage loans when buying their first home.
The above is what I organized about the Xianyang first suite down payment ratio? What are the preferential policies? Therefore, before we make the first purchase, we must first understand clearly to buy the first suite of preferential policies and enjoy the first suite of preferential policy conditions.