How to calculate the down payment for second-hand housing owners with loans?

Second-hand housing loan down payment ratio:

1. If the last one has paid off the mortgage or does not need the buyers to share the loan, and the buyers are very talented and can get 80% of the second-hand housing loan, then only 20% of the second-hand housing loan down payment is required.

2. If the last one has not paid off the loan and requires the buyers to cooperate with the loan repayment, then it is safer to go through the fund supervision procedures and then make a down payment of 30% of the second-hand housing loan.

3. If the buyer has sufficient funds and can pay the house price in one lump sum, there is no need to pay the down payment for the second-hand house loan.

Calculation method of down payment for second-hand housing mortgage loan;

Net down payment = actual sales price-customer loan amount (net down payment: excluding state taxes and intermediary service commission)

Loan amount = appraised price of second-hand house * 80% (the first loan amount can reach 80%).

For the loan amount budget method, the contract price * 85% can be used to estimate the approximate evaluation quotation.

If it is the first time to buy a second-hand house, the second-hand house mortgage loan should be at least 30% down payment, and 70% can be loaned; If it is a second-time house purchase, the down payment of the second-hand house mortgage loan shall not be less than 70%; The interest rate is 6.55%.

Note: customers and owners can negotiate when to pay the down payment for the sale of second-hand houses, but they must pay taxes before the transfer. Usually, the house purchase deposit of 10% is paid when signing the contract (if the buyer does not buy it, the owner will not refund it; If the owner doesn't sell it, it needs to be returned to the buyer twice); The rest can be recorded at the agreed time, such as the down payment balance before the final tax payment within one week, half a month or one month.

Delivery time of second-hand house:

The time required for full purchase and loan purchase is different, as follows:

First, the full purchase, about 7 days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Down payment for house transfer: 1 day.

3. Pay taxes and get a new real estate license: 4 working days.

4. Final payment of property delivery and payment: 1 day.

Two. Buying a house by loan takes about 20 working days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Submit the loan application and sign the loan contract: 1 working day.

3. Property appraisal and third-party guarantee: 1-2 working days.

4. Bank approval: 5 working days.

5. Down payment for house transfer: 1 working day.

6. Pay taxes and get a new real estate license: 4 working days.

7. It takes 2 working days for the bank to receive the loan contract and mortgage registration.

8. Bank loan to the seller, property delivery and final payment: 2-5 working days.