1, the down payment ratio of the first home provident fund loan is between 20% and 30%, and some cities have restrictions on the purchase area;
2. The interest rate of buying a house for commercial loans rises, and the benchmark interest rate is implemented for provident fund loans.
The criteria for identifying the first suite are as follows:
1. I bought a suite with a loan in this city, and then borrowed money to buy a house when my business loan has been settled.
2. I bought a suite with a loan in this city, and then the house was sold, but the local house registration system can't find this property, but I can check the loan record in the bank, and I can refinance to buy a house.
3. I bought a suite in full in this city, and then borrowed money to buy a house to be the first suite;
4. I bought a suite in full and sold it. The housing registration system could not find the property, and then I borrowed money to buy a house, which was the first set;
5. There are two sets of commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count;
6. A commercial loan in the name of an individual has been paid off, and another provident fund loan has been sold. At the same time, you can provide proof of house sale and apply for a commercial loan to buy a house, the first set.
Legal basis: Article 16 of the Measures for the Administration of Commercial Housing Sales.
When a real estate development enterprise sells commercial housing, it shall conclude a written contract for the sale of commercial housing with the buyer.
Commercial housing sales contracts shall contain the following main contents:
(1) the name and domicile of the party concerned
(2) Basic information of commercial housing;
(3) Commercial housing sales methods
(four) the method of determining the price and total price of commercial housing, the method of payment and the time of payment;
(5) Terms and date of delivery.
(six) decoration, equipment standards commitment;
(seven) water supply, power supply, heating, gas, communications, roads, greening and other supporting infrastructure and public facilities delivery commitments and related rights and responsibilities.
(eight) the ownership of public buildings;
(nine) the way to deal with the area difference
(10) Handling matters related to the registration of property rights;
(eleven) the method of dispute resolution
(12) Liability for breach of contract;
(13) Other matters agreed by both parties.
Article 17
The sales price of commercial housing shall be determined by the parties through consultation, unless otherwise stipulated by the state.