Yantai has implemented the purchase restriction policy for some time. Only qualified owners are eligible to buy a house. For the owner who wants to buy a second suite, in addition to meeting the conditions, he must have sufficient economic ability because the down payment ratio is relatively high. Then, what is the down payment ratio of the second suite in Yantai? What are the methods to identify the second suite? Let's have a brief look with Bian Xiao.
First, the down payment ratio of the second suite in Yantai
1. If you use the provident fund to buy a second suite in Yantai, the down payment ratio shall not be less than 40%, and the loan interest rate of the second suite shall not be less than 1. 1 times the interest rate of the first suite; 2. To buy a second apartment in Yantai with a commercial loan, the down payment ratio shall not be less than 60%, and the loan interest rate shall rise by 10 percentage point.
Second, the method of identifying the second suite
1. If you bought a house with a commercial loan and applied for a loan before the loan was settled, you can buy a second house. If the loan for the first house has been completed, or you can provide proof of sale, you will be considered as the first house.
2. The borrower has had two commercial loan records before, one loan has not been paid off, and the second application is regarded as a second suite. If both loans have been paid off, and the property owner can provide two certificates of property sales, it will be regarded as the first purchase.
3. If either spouse has a record of buying a house with a loan before marriage and applies for a loan to buy a house in the name of both spouses before the loan is paid off, it will be regarded as a second suite. If the loan before marriage has been paid off, it will be regarded as the first suite.
Editor's summary: At present, Yantai's provident fund policy has been relaxed. You can apply for a provident fund loan to buy a second suite, but the down payment ratio and loan interest rate will be higher. Therefore, before buying a house, you must first know whether you have the financial ability. So much for the down payment ratio of the second suite in Yantai and the identification method of the second suite. I hope it helps you. If you want to know more, please follow Qijia. com。
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