How much is the down payment for second-hand houses in Changsha?

Changsha second-hand housing down payment is mainly divided into:

1. Take the first suite as an example. If you buy a new house with an area of not more than 90 square meters, the minimum down payment can reach 20%.

2. For the second suite, the minimum down payment for purchasing a property is 50%.

3. In the case of three suites, banks that need loans may not issue loans according to the house price.

4. In other cases, the minimum down payment is 30%.

What is the process of buying a house with a loan?

1.

Before buying a house, buyers should first understand whether they meet the local conditions for buying a house, especially those friends who want to buy a house in these big cities. If they are not qualified to buy a house locally, they can't apply for a loan to buy a house. Generally speaking, buyers with local hukou can buy the first suite locally, and some cities will require buyers with foreign hukou to pay social security.

2. Estimate the purchase funds

Buying a house with a loan is not just a down payment. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures. Before buying a house, everyone should have thought about what kind of house to buy, and have some understanding of the down payment required for buying a house with a loan, but we must not ignore other expenses such as taxes, maintenance funds, property fees and decoration fees in the later period.

3. Pay the down payment and sign the contract

Although most buyers will pay a deposit after choosing a house, the deposit is voluntary and buyers can choose not to pay it. After the buyer chooses the house, it is time to pay the down payment and sign the contract. I believe everyone knows the importance of the purchase contract, so when signing the purchase contract, the buyer must pay attention to whether the content is perfect or not, whether there are controversial places, including the division of responsibilities after delivery and the handling methods of emergencies.

4. Go through the mortgage formalities

After the house purchase contract is signed, the buyers can go to the bank to handle the mortgage formalities with the information prepared in advance. There are generally two kinds of mortgage loans: provident fund loans and commercial loans. If property buyers meet the conditions of provident fund loans, it is naturally good and can save a lot of interest expenses. But there are many restrictions on provident fund loans. If they don't meet the requirements, they don't have to be forced. Property buyers should choose their own way according to their actual situation.

5. House handover

If you buy an auction house, you usually have to wait a year or two to get a house. If you buy an existing house, it will not take long to deliver it. When handing over the house, buyers must carefully check every corner of the room, fill in the house inspection report item by item, and communicate with the developer in time when problems are found.