Subjectivity of law:

With the development of society, people pay more and more attention to the issues, among which what are the conditions for buying a second home in Chengdu are also important issues. In order to help everyone solve this problem, Xiaobian compiled this knowledge, hoping to bring help to everyone. 1. Conditions for purchasing a second home in Chengdu: Residents who own a house and the corresponding restricted loan has not been settled: Among them, there are 11 housing restricted areas such as Western Park of Chengdu High-tech Zone, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District and Pidu District, and the minimum down payment ratio is not less than 61%, and the loan period is not more than 25 years; The minimum down payment ratio of Chengdu District in Tianfu New District is not less than 71%, and the longest loan period is not more than 25 years; The minimum down payment ratio in other non-restricted areas in the province is not less than 41%. Second, what is the down payment ratio for buying a second suite in Chengdu? 1. The down payment ratio is only 25% for the first-time buyers. According to the previous regulations of the central bank and the China Banking Regulatory Commission, for families who own a house and have settled the corresponding housing loan, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and the banking financial institutions implement the first home payment policy, but the down payment ratio is 31%. This means that even if the first home loan has been settled, the down payment ratio of the second home purchase is still 31%. 2. Since October 1, 2119, when handling personal housing loan business, people need to use the value of the online contract price and the house price evaluation price as the calculation base to determine the loan amount, so some changes will indeed occur in the down payment policy for buying a house in 2118. For the owners who buy a house after October 1, 2119, if they want to borrow money to buy a house, they must be able to understand the details of the relevant policy changes. 3. At present, CCB, BOC, ICBC Bank of Communications and many other banks said that the central bank had issued the corresponding notice before, but they didn't implement this policy before because they didn't receive the detailed rules. However, since October 1, CCB has started to take the lead in implementing this policy. Therefore, for home buyers' loans, it is certain that major banks will gradually implement this policy, and the loan amount for everyone may change. The above is the relevant knowledge compiled by Xiaobian. However, the written knowledge is theoretical knowledge. In practice, it is necessary to analyze the conditions for buying a second home in Chengdu. If you still have questions, you can go to the relevant institutions for further consultation and understanding. If you need more legal answers, you can consult a lawyer online!