2065438+On March 28th, 2007, Hangzhou Housing, Insurance and Housing Management Bureau issued "Notice on Further Adjusting Housing Purchase Restriction Measures" to further adjust the down payment ratio of credit and purchase houses in twelve main urban areas of Hangzhou. For households that already own 1 apartment or have no housing but have housing loan records, apply for commercial or provident fund personal housing loans to purchase houses, and implement the second-home loan credit policy, with the down payment ratio of loans not less than 60%. ① If you buy a commercial house, you will pay a unified down payment of 50%, and the bank mortgage interest rate will generally rise by 10% (depending on the floating ratio of the bank). 2 If you buy a pure house with 70 years of property rights, it depends. The first and second suites have 1, and the first suite has the first case (that is, there is no room under its name and no mortgage record). Then the down payment is generally 30% (if it is an old community, see the bank policy). 2. In the second case, the first suite (the original mortgage is bought and then sold, and the mortgage record is counted), then the down payment is generally 40%. 3. In the first case, the second suite (with mortgage under its name), then the down payment is 60%. 4. In the second case of the second suite (there is a suite under the name and no mortgage record), then the down payment is 40%. The down payment ratio will be different in different regions. The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; The third suite is not allowed to buy a house with the current loan. When buying a new house and a second-hand house, the calculation of loan down payment is very different. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans. Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property. Generally, the evaluation price of second-hand houses is lower than the market price. Appraisal prices are mostly 80%-90% of the market value of second-hand houses, and some houses will be lower. The down payment ratio is as follows: 1. The minimum proportion of the first suite is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (the city that does not implement "purchase restriction" is adjusted to not less than 25%). 2. For the second suite, the minimum ratio is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property. Your specific credit line needs you to submit relevant information, and it can only be determined after the outlets have reviewed it.

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