How much is the second-hand single apartment loan?

How much is the down payment for an apartment?

Question 1: How much is the down payment for a single apartment? It seems that it can only be 10 years, with a down payment of 50%. The interest rate seems to be 1. 1.

If it is a residential single apartment, it may take 20 to 30 years, with a down payment of 30%, a 15% discount and a 15% discount on the interest rate benchmark, which is very difficult.

-This mainly depends on the nature of the land. Please pay attention to this.

As for the annual interest rate and monthly repayment rate, you can directly find a loan calculator online to calculate it yourself. There are still different interest rates.

Question 2: What is the general down payment ratio of an apartment? The price of single apartment in Changchun is around 250,000-400,000. However, because most of them are commercial property rights, the down payment is about 50%, so it is generally more than 6,543,800 yuan.

Question 3: What is the minimum down payment for serviced apartments? The properties of serviced apartments are mostly commercial land, and the housing type will be office buildings or hotels. So you have to ask the developer whether the room type is an office building, a hotel or a residence. 30% down payment for residence (first set) and 50% down payment for office buildings and hotels.

Question 4: How much is the down payment for the apartment building? Now a second-hand house is basically 30%. Others depend on housing information, housing age, lender qualification and so on.

Question 5: What is the down payment for second-hand apartments and second-hand houses? About 40% of the transaction price. Because there are intermediaries, there are intermediary fees, taxes and fees. The evaluation price is only about 80% of the transaction price, so it is about 40%.

Question 6: What are the down payment procedures for buying an apartment? 1 According to national regulations, as long as it is the first house, the down payment shall not be less than 30% of the total house price. For example, if you want to buy a house of 1 10,000, then your down payment should be at least 1 10,000 30% = 300,000. Although there are regulations that only 30% of the total house price can be taken, there is still a loan problem. Take the above-mentioned house with a total house price of 6,543,800 yuan as an example. If the provident fund loan is adopted, both husband and wife can borrow up to 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan. If you use a commercial loan, you need to check your family income and repayment ability to see how much you can borrow. The total house price MINUS the loan amount is the down payment. More than 3 is the algorithm of the first suite. When buying a second suite (family as a unit), the down payment ratio of the loan shall not be less than 50%, such as the total house price 1 10,000 yuan. The down payment shall be at least 1 10,000, and 50% = 500,000. When buying a new house, the down payment is calculated according to the proportion and loan amount. If you buy a second-hand house, you need to negotiate the down payment with the owner, as long as it is not lower than the down payment ratio (≥ 30%). There are real estate developers, and in order to attract customers to buy houses, they also offer down payment concessions. For example, if the proportion stipulated by the state is at least 30%, the developer will give you an advance. For example, a house with a total price of1100,000 yuan needs a down payment of at least 300,000 yuan. Some real estate developers pay 20% in advance, and the remaining 10% in advance, so that buyers can make up for it within one year. This is also a strategy to delay the down payment pressure of buyers.

Question 7: How much is the down payment for the buyer's apartment? What is the down payment ratio of real estate? The average price dropped slightly 18000 or so, and the down payment was 30%. Now the down payment can be divided into: 1. Take the first suite as an example, the minimum down payment for a new house with a purchase area of not more than 90 square meters can reach 20%; 2. In the case of the second suite, the minimum down payment for purchasing the property is 60%; 3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price; 4. In other cases, the minimum down payment is 30%.

Question 8: The down payment of an apartment is always a few percent of the first suite or the second suite (the first suite has no loan). There is no problem with credit reporting, generally 30% down payment.

Question 9: The second suite is going to buy an apartment. What is the down payment ratio? The normal property right of commercial housing is 70 years. Whether it is second-hand, property rights are calculated from the date of signing a sales contract with the developer. For example, 1992, the first-hand property contract signed with the developer is exactly 20 years this year. Now I bought it again, so there are 50 years left, 70-20=50 years. In the future, as long as the state does not expropriate this property, you will have the right to use it. If it is levied, you should also levy a subsidy.

Question 10: What is the minimum down payment for serviced apartment loans? 50%.

Half of the serviced apartments are 40-year property rights, which are commercial in nature.

The down payment must be 5 cities.

Loans can only be made for 10 years, and housing provident fund loans cannot be used.

How much is the down payment for the apartment loan?

Apartments are becoming more and more popular with those investors because of their small size, low purchase price and unlimited purchase. In addition, the threshold for apartment loans is relatively low, so how much is the down payment for apartment loans? What are the disadvantages of buying an apartment? Let's take a look with Bian Xiao.

1. How much is the down payment for the apartment loan?

According to the relevant national laws and regulations, the property rights of apartments are mostly 40 years. At present, it is not limited to buying or lending. If the apartment wants to buy a house by mortgage loan, the down payment is 50%, and the longest loan period is 10 year. The apartment cannot apply for provident fund loan. In addition, the utilities of apartments and the property fees of residential areas are charged according to commercial standards.

2. What are the disadvantages of buying an apartment?

1, and the land use period is short.

The nature of land for business apartments generally belongs to the nature of "shopping malls, office buildings and hotels". The service life of the land is only 40 years and 50 years, and the service life of the apartment expires, so it is necessary to pay a high premium to continue to use the land.

2, high taxes and fees are difficult to change hands.

According to China's relevant policies and regulations, ordinary residential second-hand housing transactions do not need to pay land value-added tax, but commercial apartment second-hand housing transactions must pay land value-added tax. The collection of land value-added tax is generally based on the value-added amount of land transfer, that is, 30% to 60% tax is levied on the value-added part according to the value-added amount. In addition, a business tax of 5.5% is required according to the total transaction price of real estate. All taxes and fees add up to almost 10% to 14% of the total transaction price of real estate.

3. High mortgage interest rate and short service life.

Commercial apartments will not be affected by residential purchase restriction and loan restriction, but because apartments are commercial properties, apartment loans can reach up to 50% and the longest service life is 10 years, apartments cannot apply for provident fund loans.

4. Management fees and utilities are relatively expensive.

Water and electricity charges for apartments are charged according to commercial water and electricity charges. If the water fee standard of residential property is 2 yuan/cubic meter, then the water fee standard of commercial property is about 4 yuan/cubic meter; The standard of electricity charge for residence is 0.5 yuan/kWh, so the standard of electricity charge for apartment is probably 1 Yuan/kWh.

5. You can't go home without a degree.

If the house you buy is a business apartment, you can't enter the house. Many commercial apartments are located in the city center, and there are even famous schools nearby. However, because the apartment cannot be settled or enrolled, the appreciation potential of the apartment will be greatly reduced.

Apartment has the advantages of small area, low total price, unlimited purchase, rent and investment, but it also has disadvantages such as high down payment for loans, high transfer taxes and fees, and commercialization of water and electricity. The above is an introduction about the down payment of apartment loans and the disadvantages of buying apartments. Friends who want to buy an apartment can learn more about it.

How much is the down payment for a single apartment loan?

Single apartment is becoming more and more popular, especially for young people who have just come out to work, but you must know its down payment in advance before buying it, so that you can know how much money you have prepared. The following small series will introduce you to the down payment of single apartment loans. How much is the down payment for Rn single apartment loan? Rn: First of all, you should know the down payment ratio of single apartment as follows: rn 1. The down payment depends on the nature of the land in your house. For example, a single apartment belongs to a commercial house, and the down payment is 50%, then the down payment of the house is only 30%. Rn2。 According to the law, at present, its down payment is not less than 30%, so if we want to convert it into a specific amount, we will calculate it as 40 square meters, depending on the location of the house. If it is in the center, then the down payment is about 300,000-400,000. Single apartment Rn loan conditions rn I. Loan target: rn 1. First, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland can apply. Rn2。 Also pay the down payment of the house (at the same time, the total amount of the house purchase can not be less than 30%). Rn3。 First, you must have a stable income, so that you can repay the principal and interest of the loan; Rn4。 You must use the property you bought as collateral for the loan. Rn 2。 At the same time, the following conditions are met: rn 1. You must also have a legal household registration book (this city is not the city), a certificate from the legal representative or a legal residence permit, an identity card or a business license passport, and then go to the designated bank to handle it. Rn2。 Open a special deposit account in the bank. I want to remind everyone here that the balance of its deposit is not less than 30% of the purchase price. Rn3。 At the same time, it is necessary to make an effective purchase contract and prepare supporting documents such as the agreement. Rn4。 All terms and conditions of the loan contract shall be fulfilled. Rn III。 Information to be published and provided: rn 1. Prepare a copy and original of the resident identity card; Rn2。 Copy and original of the house subscription book; Rn3。 Copy and original of the down payment; Rn4。 It is best to provide proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc. Rn summary: the down payment for single apartment loans is so much. There is no standard for down payment, it depends on your situation and the nature of the house and land. I hope the above introduction will be helpful to everyone.

Can the apartment be mortgaged? How much can I get at most?

The maximum amount of mortgage loan that an individual can apply for when purchasing an apartment in full is 70% of the house price, and there must be a valid and legal purchase contract.

1, eligible apartments can apply for mortgage loans. Apartments are generally commercial properties and residential properties. If you want to apply for a mortgage, you need to have fixed assets as collateral.

2. The conditions that need to be met when applying for a mortgage loan by using the apartment are: legal identity, stable income, ability to repay the loan principal and interest on time, no bad credit record, and legal and effective housing transaction contract.

3. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the service life of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid.

How much can I borrow from an apartment mortgage loan?

1. The maximum amount of mortgage loan that an individual can apply for when purchasing an apartment in full is 70% of the house price, and there must be a valid and legal purchase contract.

Pay attention to the property right of the house when buying an apartment. Commercial housing and housing are different, so when buying a house, you should pay attention to what kind of house the apartment is. The nature of the right to use the house is consistent with the land use right, and only residential land, commercial land and industrial land are involved in the nature of commercial housing.

When buying an apartment, you should be clear about the purpose of buying. If you want to buy an apartment as an investment, you can choose a commercial apartment. Pay attention to whether the security system is perfect and whether the supporting facilities of the house and the surrounding traffic network are in good condition when purchasing. If used for self-occupation, it is best to choose residential apartments, because most commercial apartments have no natural gas.

What is the general interest rate for apartment mortgage loans?

1, apartment mortgage interest rates is generally implemented according to the commercial loan interest rate, but many banks have raised the benchmark interest rate for apartment loans a lot, and some even raised it by about 40%, which is related to regional policies.

2. The interest rates of loans executed by different banks are different. The loan interest rates implemented by major banks fluctuate on the benchmark interest rate of the central bank, and the fluctuation range mainly depends on the personal qualifications of borrowers. If the borrower's personal qualifications are better, the loan interest rate will be more favorable.

3.0-6 months, with annual interest rate of 4.35%; 6 months-1 year, with an annual interest rate of 4.35%; 1-3 years, with an annual interest rate of 4.75%; 3-5 years, with an annual interest rate of 4.75%; 5-30 years, with an annual interest rate of 4.90%.

What's the interest rate for the apartment loan?

Huxing area is relatively small, the total price of the house is relatively cheap, and many singles buy it. So what is the loan interest rate for buying an apartment? Let's take a look with Bian Xiao!

What's the interest rate for the apartment loan?

The interest rate of apartment loan depends on the regulations of the lending bank, and the interest rate of different business types will be different; Moreover, the loan interest rate will also depend on the lender's credit status, guarantee methods and other factors. 0-6 months annual interest rate: 4.35%; 6 months-1 annual interest rate: 4.35%; Annual interest rate1-3: 4.75%; 3-5 years (annual interest rate: 4.75%; Annual interest rate for 5-30 years: 4.90%.

What are the advantages of the apartment?

1, small and warm, suitable for two people.

The area of the apartment is relatively small, but compared with the large apartment, it is more fashionable and warm, suitable for the world of two people. And a small house is more convenient to clean.

2. Although the sparrow is small, it has all aspects.

Although the apartment area is small, it is fully functional. Although it is relatively compact, it is cost-effective for singles.

3, the surrounding environment is good, and the work life is correct.

The surrounding environment of the apartment is good, the living facilities are abundant, and life, shopping, catering and entertainment are all available, which is not only convenient, but also has a higher quality of life.

4, more personalized property management, safe and thoughtful.

The property management of apartments is more formal, and the supporting facilities will be better than commercial houses, such as intelligent security services and funny housekeeping services, which are beyond the reach of ordinary houses.

5. Appropriate rent

Apartments are easier to rent, because many young people will choose this type of apartment now, which is cheaper than large ones, with better working and business environment and higher cost performance.

6. Save money, be cheap and invest less.

Nowadays, house prices are rising rapidly, which is not affordable for everyone, and most of them are far away from the city center. Although the price per square meter of the apartment is higher, the total price is cheaper than that of the large apartment, and the burden is naturally small.

Bian Xiao concluded: The above is about the interest rate of apartment loans, and I hope it will help you.

The introduction of the second-hand single apartment loan amount and the second-hand apartment loan down payment amount ends here. I wonder if you found the information you need from it?