Luoyang three suites down payment ratio?

1. What's the down payment ratio of the third suite in Luoyang?

The minimum 30% of the three sets of Shang Dynasty depends on the floating wages.

Second, the down payment ratio of three suites in Zaozhuang

30%。 Zaozhuang City, a prefecture-level city under the jurisdiction of Shandong Province, is a type II big city, located in the south of Shandong Province, bordering Pingyi County, Feixian County and Lanling County of Linyi City in the east. The down payment ratio of the third suite in Zaozhuang is 30%.

3. How much is the down payment for buying a house in Luoyang?

Down payment ratio of new house in Luoyang: 1. If the provident fund is used for the first time and the apartment area is below 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total house price. If the purchase area of provident fund loans is more than 90 square meters, the minimum down payment shall be more than 30%; 2. The minimum down payment for the first suite of bank mortgage loans is over 30%; 3. Now the interest rate in mortgage to buy a house is different because of the specific policies of different banks, and each bank has its own floating range! 4. There are two repayment methods of mortgage loan: equal principal and interest repayment and equal principal repayment. What should I pay attention to when buying a house? What are the steps? 1. When buying a new house, you should pay attention to the location, noise, apartment type, uncompleted residential flats and whether the developer has all five certificates. A compliant real estate developer must have complete "five certificates" and "two books". The so-called "five certificates" refer to the state-owned land use right certificate, construction land planning permit, construction project planning permit, construction project construction permit (also known as construction project commencement permit) and commercial housing sales pre-sale permit. "Second Book" refers to the "Residential Quality Guarantee" and "Residential Instruction Manual", which are also the basic requirements of the law for the seller. 2. The steps of buying a house are as follows: Step 1: Choose a house to see the house. It is best not to fix a lot. Choosing a home address requires changing all kinds of ideas. In the process of housing selection, we should make the most reasonable contribution within the acceptable quotation range. 1 Go to the site to look at the house and ask about the surrounding environment of the project, including the human environment: date, and whether the commercial facilities are thorough; Traffic conditions: whether there are entertainment and sports venues; Whether there are public facilities such as hospitals, schools and kindergartens; Is there a factory nearby? 2. If it is an auction house, you should verify the commitment and strength of the developer. See if the developer has developed other projects before, and what is the result of project development: look at the appearance of the site, whether the site construction treatment is orderly, and how the structure construction quality is; Ask about the placement of the sales office and the nature of the sales staff; Inquire about sample rooms, etc. Suppose the agent sells the house, you should know the strength of the agent. 3. Suppose it is an existing house, you should also check the environment, planning, beautification area, distance, building spacing and housing quality of the community. Step 2: Subscription and signing before signing the contract, you need to carefully check the qualifications of the developer. After all inspections are completed, a certain deposit is required. If you are not sure about signing the contract, you can entrust a lawyer to handle it for you. After selecting the purchase policy, enter the substantive negotiation stage with the open merchants. This period usually includes three processes: negotiating content, signing subscription book and signing contract; What are you talking about? The contents of the negotiation mainly include housing quotation, payment method, decoration completion standard, supporting equipment, occupancy time, property handling fee and so on. During this period, the negotiation of house price is the most important, so you should seize the best offer to protect your own interests. Sign the subscription book. It is customary to sign the house subscription book first, and then pay the deposit, but signing the house subscription book is not a necessary condition for signing a formal contract, because the relevant laws and regulations in China do not clearly stipulate that buyers must sign the house subscription book before signing a formal sales contract. To sign a formal house purchase contract/model house purchase contract, you should bring your ID card, hand stamp and other materials needed for signing, and sign the contract at the developer's sales office at the appointed time. Signing a house purchase contract is the most important link in the process of buying a house. Once signed, it will be restricted by law. Contract filing. Generally speaking, within 30 days from the date of signing the contract, the developer will take the sales license and contract of the product room and go to the real estate to handle some contracts for the record. You need to apply for a bank loan to buy a house. After the contract is filed, you have to go to the bank, real estate, insurance and notarization to go through the loan procedures. Step 3: We can choose the appropriate payment method according to our economic situation. Assuming that the funds have surplus and surplus, you can choose to pay in one lump sum. Assuming that funds are limited, you can choose installment payment and bank loan. Step 4: Take over the house, inspect the house, and hand over the house: after receiving the occupancy notice, determine the date of hand over the house and bring the materials (including ID card, product purchase contract, invoice, etc.). Check carefully when handing over the house, and it is best to ask an engineering professional to help you collect the house. The contents of the house inspection include: 1, whether the house you live in is all or part of the purchased house, and if it is inconsistent with the purchase contract, annex and supplementary agreement, you should report it to the relevant units and check it in time. 2. Check the quality of the house to see if there is any doubt about the quality of the house. If you find any doubt, you should reflect it in time and repair it before you can stay. 3. According to the agreement in the purchase contract and related agreements, inspect the decoration and inventory equipment. The property management unit shall provide the purchaser with a list of decoration and equipment, and the purchaser shall make an inventory according to the contents of the list, and check the equipment, completeness and usage. If there is any discrepancy or damage, it should be repaired and completed as soon as possible. 4. After carrying out the above inspection and confirming that there is no difference between the inspection results and the contract, you can sign the Property Delivery Verification Sheet or the House Delivery Sheet with the developer. For the items that cannot be determined in the checklist, you should write "I don't know for the time being" or "I'm not sure"; If there is any doubt, it should be recorded truthfully, and the developer should be begged to deal with it within a certain period of time, and finally signed and sealed by both parties. Step 5: decorate and move in. Many people often overlook this point after buying a good house. After moving in, they found that poor property had a great impact on their lives. In our normal days, we usually have a close contact with the property. When receiving the property, we must be steady, so as to avoid being unable to fully seize our due rights and interests in the future house because we have hastily signed the checklist or the house handover form. Usually you need to go to the property handling company to handle the entrusted property handling matters when you accept the key, or within a few days. The following procedures are required: 1. Sign the loading and unloading agreement. The content of the Disposal Convention was drafted by the developer according to the national laws, regulations and guidelines, and approved by the housing disposal agency. Assuming that the owner thinks that some provisions dealing with the contents of the convention are unfair, he can reserve his opinion. Because the convention is temporary, it can be amended at the subsequent owners' meeting. 2. Pay the property handling fee. 3. Sign various treatment specifications of the community, such as decoration treatment, cleaning treatment, parking treatment and public security treatment. Step 7: Getting a property right certificate and moving into a new house can't make you live a comfortable life. You also need to urge the developer to go through the formalities of property right transfer as soon as possible, so that you can get the legal property right certificate. This process may take a long time. One of the factors is that developers may not be able to get the title certificate immediately after the completion of the new house. They also need to know that after the initial registration of some houses, buyers will go to the real estate to go through some registration procedures for the transfer of house ownership and apply for the ownership certificate of the house. To sum up, the down payment for the loan to buy a house must be given. The down payment ratio is generally given according to the size of the house. So, how much is the down payment for buying a house in Luoyang? It still depends on how local policies are. Local policies are different, and the down payment amount will be different.

4. What is the minimum down payment ratio for Luoyang loan to buy a house?

There should be no problem. The original down payment for a suite was 20%, and now it may rise to 30%. At the price of 4,000 yuan per square meter, buy 40 square meters, 1.6 million, with a down payment of 48,000 yuan. The deed tax of public maintenance fund is about 5%, about 8,000 yuan. Of course, there are plenty of Luoyang 3000 flats, so your budget is more abundant. The real estate license only needs a handling fee, not much money.