The down payment ratio of the first home mortgage is 20%-30%, the down payment ratio of the second home mortgage is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. 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%; Three suites are not allowed to copy.
At present, there is a big difference between buying a new house and buying a second-hand house in the calculation of loan down payment. When handling a new house loan, the down payment is based on the market price at the time of purchase, and the loan ratio is 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.
Two. Lanzhou: The down payment ratio of commercial real estate loans was adjusted from 70% to 50%.
According to the website of Lanzhou Municipal Government of Gansu Province, Lanzhou Municipal Government recently issued the "Implementation Opinions on Further Deepening the Reform of Urban Housing System and Improving the Housing Supply System" (hereinafter referred to as "Implementation Opinions"). The "Implementation Opinions" clarify that due to local policies and precise regulation, the down payment ratio of commercial real estate loans will be adjusted from the current 70% to 50% according to the market operation.
Data Map: Real estate development. China News Service reporter Zhang Bin photo
The "Implementation Opinions" pointed out that according to the spirit of the "Guiding Opinions on Further Deepening the Reform of Urban Housing System and Perfecting the Housing Supply System" issued by the General Office of Gansu Provincial Government, in order to further deepen the reform of urban housing system, improve the housing supply system, build a "rent-and-purchase" supply system, adhere to the positioning of "houses are used for living, not for speculation", standardize the real estate market, and promote the stable, healthy and orderly development of the real estate market in our city, and formulate the
In terms of guiding ideology, the "Implementation Opinions" pointed out that the spirit of the 19th National Congress of the Communist Party of China and the Fourth Plenary Session of the 19th Central Committee should be fully implemented, and the housing system of "multi-subject supply, multi-channel guarantee and simultaneous rent and purchase" should be accelerated with the goal of realizing the people of Lanzhou, so as to gradually solve the problem of insufficient and unbalanced housing development, promote the formation of a long-term mechanism for the healthy development of the real estate market, and continuously meet the diverse housing needs of the people.
The "Implementation Opinions" proposes to increase the construction of affordable housing. Further increase the construction of public rental housing. Public rental housing is raised through land allocated by the government and commercial housing development projects. Strive to build 90,000 sets of public rental housing in five years, so that the number of public rental housing in the city will reach10.2 million sets, which basically meets the needs of all social groups for public rental housing security. City Housing Construction Bureau is responsible for the construction of public rental housing by the government, and prepares the annual public rental housing construction plan every year; The Municipal Bureau of Natural Resources shall supply the land included in the public rental housing construction plan in accordance with the allocation method, and shall ensure the full supply.
Commercial housing development projects are equipped with public rental housing. From May 2020 1, when the land for new residential projects in the city is supplied in reserve, the Municipal Bureau of Natural Resources shall specify in the planning conditions that the land transferee shall allocate public rental housing according to the proportion of 10% of the total residential construction area. The ownership of public rental housing and the handover after completion are "state-owned"
Accelerate the transformation of shanty towns. Decentralize the approval authority for shantytown renovation to districts and counties, and the districts and counties will determine the scope of renovation, the number of households, the amount of resettlement, the ownership of land, and the time limit. , review the transformation investment, determine the transformation plan, and introduce powerful enterprises to implement the transformation. Focus on promoting the transformation of Yantan area in Chengguan District, South Brick and Tile Kiln, Hongnigou, Nanhe New Village, Beiyuan Community, Old West Station in Qilihe District, Urban Village in Anning District, Xigu District as a whole and shantytown in Lanzhou New District.
Adhere to the "two overall plans and five combinations", that is, the overall planning of the whole city and the overall implementation of all districts; Combine the transformation of shanty towns with urban development and urban transformation, combine the transformation of shanty towns with the integration of land resources, combine the transformation of shanty towns with the improvement of urban functions and urban management capabilities, combine the transformation of shanty towns with the transformation of old cities and "drainage greening", and combine the transformation of shanty towns with the housing security system that improves people's livelihood and regulates rental and sale. The director of the Municipal Bureau of Natural Resources, taking the shantytown renovation project as a pilot, tried first, and promoted the "reduced development" of the old city on the principle of demolishing houses to reduce density and improve quality and ease functions. Encourage shantytown renovation projects to implement enterprises' self-sustaining surplus housing as rental housing and cultivate the rental market. The government repurchased the remaining houses of the shantytown renovation project as talent apartments and public rental housing, broadening the channels of protection.
Actively implement funds for the construction of affordable housing. On the basis of striving for national and provincial special subsidy funds, the municipal finance can extract 10% from the net income of land transfer fees and the annual value-added income of housing provident fund, after deducting risk reserve and management fees, to make up for the construction funds of public rental housing; After deducting the management and maintenance costs, the rental income of public rental housing that has been built and used will be used for new public rental housing, and the insufficient part will be fully guaranteed by the municipal, district and county finance.
The "Implementation Opinions" pointed out that the supporting policies for housing security should be improved. Increase the strength of talent housing security. In accordance with the relevant regulations, the newly introduced talents are provided with three forms of housing security: physical security, housing subsidies and rental subsidies. Gradually bring the senior managers and talents of investment-attracting enterprises into the scope of public rental housing. Relevant talents who do not enjoy affordable housing shall be subsidized by governments at all levels and employers for buying or renting houses. Encourage social forces to participate in the construction of talent turnover apartments or buy commercial housing for rent, and effectively strengthen the supply of talent apartments. Support universities, research institutes and other talent-intensive units to use their own state-owned construction land according to law or build talent turnover apartments and expert apartments through shantytown renovation.
Increase the monetization of public rental housing. Gradually expand the coverage, and include eligible urban low-income and lower-middle-income families with housing difficulties, migrant workers, retired soldiers, newly employed college students, young doctors and young teachers in the scope of public rental housing. Combined with the actual rent level of the housing market in each district and county, the government's financial affordability, the income of the security object and the number of family members. Adjust the rent subsidy standard of public rental housing in a timely manner to enhance the rent payment ability of the security object.
Encourage market-oriented rental housing and solve housing difficulties. We will further improve various policies and measures related to "equal rights for renting and purchasing", and encourage those who enjoy monetary subsidies for public rental housing to rent market-oriented housing through the Lanzhou housing rental service platform to solve the housing problem. Tenants registered for the record according to law can enjoy legal services such as compulsory education, employment, medical care, legal aid and other basic public service policies stipulated by the state. Improve the rules and regulations of the rental market, implement online signing of housing lease contracts, standardize the text of housing lease contracts, and clarify the rights and obligations of all parties. Implement the registration and filing system of housing lease contracts, optimize the filing process and simplify the filing procedures. Encourage lease parties to sign long-term lease contracts, stabilize the lease relationship, and protect the long-term and stable residential rights and interests of the lessee.
Implement preferential tax policies for leasing entities. Implement preferential tax policies for housing leasing enterprises, institutions and individuals registered and filed according to law. Implement the preferential policies for housing rental in the camp reform. Value-added tax is calculated and paid according to 15% of individual rental housing income; If the monthly income of individual rental housing does not exceed 654.38+10,000 yuan, it can enjoy the VAT exemption policy according to regulations; For the real estate acquired by ordinary taxpayers before the implementation of the pilot reform of the rental camp, it is allowed to choose the simple tax calculation method and pay the value-added tax at the tax rate of 5%. The value-added tax rate for ordinary taxpayers and small-scale taxpayers who provide housing rental brokerage services by real estate brokerage institutions is 6% and 3%. Implement the state's preferential tax policies for various taxes and fees related to individual housing leasing.
Support the healthy development of pension real estate. Introduce powerful enterprises, cultivate a new type of health care complex for the elderly, and let eligible elderly people enjoy one-stop pension. Explore the formulation of preferential policies for operating subsidies for old-age care institutions, and the government can give certain construction subsidies according to the construction scale (including reconstruction and expansion), total investment, land lease period and other indicators; According to the number of beds, the number of adoptions, the type of clients, occupancy rate, management service level, social benefits and other indicators, certain operating subsidies can be given.
Support paid employees to withdraw housing provident fund to pay rent. Eligible migrant workers and individual industrial and commercial households will be gradually included in the scope of provident fund deposit, and further promote the establishment of housing provident fund system in non-public units such as individual, private, mixed ownership and foreign capital. Workers paid the housing provident fund in full for three consecutive months. If my spouse and I deposit a house with no room for self-occupation and rent a house in this city, we can withdraw a certain amount of housing provident fund from both husband and wife to pay the rent.
The "Implementation Opinions" proposes to actively cultivate and develop the housing rental market. Encourage new market-oriented rental housing. By increasing the supply of land for market-oriented rental housing, the pressure of rising housing prices for new commercial housing and second-hand housing will be effectively alleviated. The Municipal Bureau of Natural Resources, together with the Municipal Housing and Construction Bureau, has compiled a land supply plan for market-oriented rental housing that has been included in the reserved residential land, and implemented land supply-related work as planned. Give full play to the leading role of large enterprises, support qualified state-owned enterprises to carry out housing leasing business, use the stock of repurchase, leaseback market or surplus housing in shanty towns as rental housing, or transform their own idle commercial, office and industrial houses into rental housing, and make overall plans for market-oriented, professional and socialized management.
Actively cultivate and develop leasing enterprises. Encourage real estate development enterprises to use self-sustaining housing to carry out market-oriented housing leasing business; Encourage all kinds of investors and natural persons to set up housing leasing enterprises according to law and provide professional and standardized leasing services; Encourage property service enterprises to broaden their service areas, actively carry out "housekeeping" services within the scope of service projects, and provide management, maintenance and other services for owners' vacant houses; Encourage village collectives and economic associations to lease their own houses, uniformly rent houses that meet the safety conditions such as fire control, sanitation and residence, and standardize management.
Give play to the leading, standardizing, activating and regulating role of state-owned leasing enterprises in the market, and guide state-owned enterprises to set up state-owned leasing enterprises. Introduce policies to support the rapid development of specialized housing leasing enterprises and carry out large-scale, intensive and specialized housing leasing business; Create an environment to attract domestic well-known large-scale leasing enterprises to settle in Lanzhou, and use their rich experience and abundant capital to drive the healthy and rapid development of the city's leasing market.
The "Implementation Opinions" clarify that the real estate market should develop steadily and healthily. Adhere to the regulation and control efforts and do not relax. Implement the main responsibility of stabilizing urban land prices, housing prices and expectations, meet the first set of demand, support improved demand, and curb speculative real estate speculation. Timely grasp the price increase, supply and demand situation, market operation and enterprise operation, increase the analysis and judgment of market operation, further improve the risk early warning mechanism of the real estate market, and effectively prevent and resolve major risks.
Fully implement the national real estate market regulation policies, strictly implement the current real estate market regulation measures in our city, conscientiously implement various real estate market regulation policies such as price filing, purchase restriction, loan restriction and sales restriction, strengthen the price filing of new commercial housing, and effectively control the increase in the sales price of commercial housing. Due to local policies and precise regulation, the down payment ratio of commercial real estate loans will be adjusted from the current 70% to 50% according to the market operation.
Strengthen market supervision. Actively implement the guidance of the Ministry of Housing and Urban-Rural Development on further standardizing and strengthening the online signing and filing of housing, and comprehensively strengthen the online signing and filing of commercial housing sales contracts, stock housing sales contracts, housing lease contracts and housing mortgage loan contracts. Further strengthen the supervision of pre-sale funds of commercial housing and transaction funds of stock houses. We will continue to carry out special actions to crack down on illegal activities and control the chaos in the real estate market. For enterprises with strong reaction from the masses, outstanding problems and repeated illegal acts, we will vigorously rectify and standardize the order of the real estate market through strict inspection and law enforcement and strong punishment measures to maintain the healthy and orderly operation of the real estate market.
The "Implementation Opinions" require strengthening organizational leadership. A leading group for deepening the reform of urban housing system and improving the housing supply system, headed by the principal responsible comrades of Lanzhou Municipal Government, was established to coordinate the housing system reform in the whole city, implement the policies of the central and provincial governments on housing system reform, and give full play to the role of organization, leadership and overall coordination.
Strengthen publicity and guidance. Intensify publicity, do a good job in policy interpretation, promptly dispel doubts and doubts, improve policy transparency, correctly guide housing consumption, enhance public understanding and support for housing system reform, and form a good public opinion atmosphere conducive to deepening housing system reform.
The implementation scope of the "Implementation Opinions" is Chengguan District, Qilihe District, Xigu District and Anning District. Lanzhou New District, High-tech Zone, Economic Zone, Honggu District, Yongdeng County, Yuzhong County and Gaolan County shall be implemented according to the actual conditions of their respective jurisdictions. The "Implementation Opinions" shall be implemented as of the date of issuance and shall be valid for five years.
Third, 20 15 Lanzhou first suite down payment ratio?
20 15 down payment for Lanzhou house:
At least 20% down payment on the house,
1. The current policy is to buy a house 1 10,000 yuan, but your qualification determines how much money/family you can borrow. 2. In fact, the down payment for houses under 90 square meters is at least 20%. If there is only one person or more than two names, you have to pay a down payment of 500 thousand. This is related to regional banks. Third, the down payment for houses over 90 square meters is at least 30%. If it is compact, the above price source network is subject to the actual purchase.