How many years can I borrow a single apartment?

How much is the down payment for single apartment in Hangzhou?

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Due to the high housing prices, many people can only choose single apartments when buying a house. So how much is the down payment for Hangzhou single apartment? What are the popular properties of Hangzhou single apartment? Let's take a look with Bian Xiao!

How much is the general down payment for a single apartment in Hangzhou?

The down payment ratio of single apartment in Hangzhou shall not be less than 50%, and provident fund loans cannot be used. The term of commercial loans is only 10 year. In addition, single apartments can't be settled without a degree, even if there are good educational resources around them.

Hangzhou single apartment hot real estate recommendation:

I. New Youth Square

1, basic information

Regional plate: Gongbei plate

Project location: Gongshu rockery road, the intersection of Shangtang Road.

Traffic conditions: Shangtang Road 3, 12, 26, 33, 36, 57, 82, k 198, k206, k209, k536, k59 1, 8 16, 826.

Building type: high-rise, hotel-style single apartment

Property category: ordinary residence and office building

Developer: Zhejiang Xinnanbei Real Estate Development Co., Ltd.

Property Company: Zhejiang Xinnanbei Real Estate Development Co., Ltd.

Property fee: 1.8- 1.8

2. Price information

Price description: the average price is 2 1000 yuan/square meter.

3. Property details

Floor area ratio: 3.58

Greening rate: 17

Total number of families: 36

Building area: 6 1000m2

Covering area: 17000m2.

4. Supporting information

Surrounding businesses: Qianjiang Market, Auchan Supermarket.

Surrounding parks: There are parks near the Beijing-Hangzhou Grand Canal.

Peripheral hospitals: Provincial People's Hospital (Grade III A)

Surrounding schools: Daguan Middle School

Second, Sanxin Junyue Lijing

1, basic information

Property Name: Sanxin Grand Hyatt Lijing Completion Date: No data available at present.

Property Type: Ordinary Residential Project Features: No data available.

Building type: high-rise, board building

2. Sales information

Sales status: sold out

Opening date: June 30, 2007, and delivery date: June 2009.

Sales Address: Intersection of Fengqing Avenue and Jincheng Road, Hangzhou Sales Tel: 4000324608-193321

3. Data flow information

Rail Transit: Binkang Road Station and Boao Road Station of Line 5.

Bus routes: Bus 5 15, 58 1, 3 15, 520.

Mode of transportation: There is no data at present.

4. Planning information

Floor space: There is no data at present.

Building area: 70,000 square meters

Floor area ratio: 2.75

Greening rate: 36%

Parking space: the parking space ratio is 100%.

Total number of buildings: there is no data at present.

Total number of households: There is no data at present.

Property company: Guangzhou Aoyuan Property Management Co., Ltd.

Property fee: 1. 1 yuan/square meter/month.

5. Peripheral facilities

Primary and secondary schools: Xiaoshan No.5 Middle School

Comprehensive shopping malls: Lotus Supermarket and Times Shopping Center.

Others: California Sunshine Shopping Center, People's Square, Xiaoshan Opera House, Kaiyuan Du Ming Five-Star Hotel, Hangzhou Leisure Expo.

Summary of the article: Well, the knowledge about the general down payment of Hangzhou single apartment and the popular real estate recommendation of Hangzhou single apartment are introduced here. If you need more information, please continue to pay attention to Qijia. We will provide you with better and more exciting content in the future.

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How many years is the loan period for the apartment?

The loan period of the apartment is 10 year. Apartment loans are commercial loans, and the longest loan period can only be 10 years. And housing mortgage loans, users can borrow up to 30 years. Although the term of apartment loan is short, it does not occupy the number of mortgage loans of users, that is, if you have an apartment loan and then apply for a mortgage, you can apply according to the standards of the first suite.

Apartment loan conditions

More people buy apartments, because the price is not high, the apartment is small, and the most important thing is not to buy them. So apartments are very popular, but apartment loans are not easy to handle, and some conditions need to be met. Have a legal identity, a stable income, the ability to repay the principal and interest of the loan, no bad credit record, the house purchase contract is legal and valid, and other conditions stipulated by the loan bank. The property right of the general apartment is 40 years, and the land use nature is commercial land, so the maximum loan can only be 10 years.

What is the down payment ratio of Hangzhou single apartment?

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At present, housing prices in Hangzhou are generally quite high. Many young people who work hard in Hangzhou are more willing to buy single apartments, so that they can have a stable residence without bearing too much economic pressure. Then, what is the down payment ratio of Hangzhou single apartment? What are the advantages and disadvantages of buying a single apartment? Let's have a brief look with Bian Xiao.

First, the down payment ratio of Hangzhou single apartment

To buy a single apartment in Hangzhou, the down payment must reach at least 50% of the total house price, and the loan period is about 10 year. According to the purchase policy of Hangzhou, the first suite purchases commercial housing, and after the loan is paid off, it is recognized as the first suite, and you can enjoy the corresponding preferential policies for purchasing houses. If the loan has not been paid off, the second suite is identified as the second suite.

Second, the advantages and disadvantages of buying a single apartment

1, advantages of single apartment

Buying a commercial single apartment can not only be used for daily living, but also be registered as an office space. For most single people, the area of single apartment is relatively small, and the unit price and total price will be lower than that of residence, so the economic pressure of buying a house is much less. Although loans are also needed, as long as the loans have been settled, the second purchase can still be calculated according to the first suite.

2. Disadvantages of single apartment

From the perspective of property rights, the property rights of single apartments are much less than those of residential properties, and the corresponding utilities will be higher, so it is not suitable for long-term residence. In the long run, it will be very difficult to conduct the second transaction, and the corresponding taxes and fees will be much higher. The most important thing is that you can't settle down and enjoy the school district planning.

Editor's summary: the down payment ratio of the house payment will vary according to the number of properties under the buyer's name. It is recommended that buyers know the corresponding purchase policies and related procedures before buying a house. So much about the down payment ratio of single apartments in Hangzhou and the advantages and disadvantages of buying single apartments. I hope it helps you. If you want to know more, please follow Qijia. com。

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