Kunshan second suite down payment new deal

1, housing without loans or housing with loans:

For households that have a record of buying a house loan, but actually have no room when applying for a loan to buy a house; There is 1 apartment, but there is no housing loan record or the corresponding housing loan has been settled. The minimum down payment ratio for the second suite in Kunshan is 50%.

2. Have a house and a loan:

If a resident family owns 1 apartment and the corresponding housing loan is not settled, it will apply for a commercial personal housing loan to purchase ordinary housing again, and the minimum down payment ratio for the second apartment is 80%.

What are the precautions for buying a second suite?

1, pay attention to the preparation before buying a house.

Since you are buying a second suite, you should understand what you should pay more attention to when buying a second suite. Although we should consider the price, we should pay more attention to the living environment of the house. A good living environment is inseparable from property management. Property buyers should first carefully choose property projects. Before buying a house, buyers should have some basic understanding of the property projects you choose, but only the property is selected by the developers, and the services of these property companies will not be too bad.

2. Pay attention to choose provident fund loans as much as possible.

Provident fund loans to buy two suites can still enjoy preferential policies. You can still enjoy the first loan policy when you use the provident fund to purchase the second loan; If you buy two sets of provident funds, you can still enjoy the first set of policies as long as you pay off the loan balance of the set.

3. Pay attention to the loan method

At present, there are three main ways to buy a house by loan, and the provident fund loan is the concern of most buyers. There are also some precautions to keep in mind when using provident fund loans to buy a second suite. If the borrower used the provident fund loan when purchasing the first suite, he may not apply for the provident fund loan when purchasing the second suite without paying off the loan; If the first suite is bought with a commercial loan and there is a mortgage, you can buy a second suite with a provident fund loan.