How much is the down payment for buying a house in Ganzhou?

1. How much is the down payment for buying a house in Ganzhou?

20%~3 bank loans for the first suite, and some banks can make a down payment of 20%.

2. How much is the down payment for buying a house in Jiufengshan, Ganzhou?

How much is the down payment for buying a house in Jiufengshan, Ganzhou? Usually it's 30%, and so is the new house. However, in order to attract more customers, a few properties have achieved 20%, and the developer requires you to designate a bank loan, or a small apartment with a better location can also have a low down payment. 2. For second-hand houses, the down payment is generally 30%, which refers to 30% of the appraised value of the house. If the appraisal value is lower than your transaction value, then your down payment will exceed 30% of the total house price. 3. A down payment of 20% is ok, depending on your conditions. Within the policy framework and authority granted by the People's Bank of China, we will formulate differentiated interest rate policies and down payment ratio requirements according to factors such as whether customers purchase houses for the first time, occupied or non-occupied houses, apartment building area, borrower's credit history, repayment ability and so on. Customers who buy the first suite or improved self-occupied housing can enjoy the mortgage policy of 20% down payment and 30% interest rate. What money should I prepare besides the down payment? 1, deed tax. The object of deed tax collection is the real estate with changed property rights and the property tax that needs to be paid by the property owner. The collection standard of deed tax seems to be mainly divided according to the area of the house. Before the implementation of the New Deal, there were two main thresholds for deed tax collection, namely 90 square meters and 140 square meters. 2. Public maintenance fund. This fund is different from the property management fee. It is only used for overhaul, renewal and transformation of residential parts and facilities after the warranty period expires. Tax rate: 2% of the transaction price of the house. Special note: No developer or property company has the right to collect or collect overhaul fund. This money should be given to the community office. If you give overhaul fund to the developer, you probably won't get it back. 3. Transaction costs. In the process of transaction transfer, you also need to pay a fee, which is called transaction fee. Generally speaking, the charging standard for ordinary houses is 3 yuan/m2, and the charging standard for non-houses is 1 1 yuan/m2. 4. Property management fee. The property fees of different buildings may vary greatly, but in general, the property fees are not a small sum. Generally speaking, the property cost of ordinary houses will not exceed 5 yuan per square meter, and some communities will not even exceed 3 yuan per square meter. Only a few high-end residential and commercial products are higher than 5 yuan per square meter. According to 3 yuan/square meter/month, a house of 100 square meter will cost 3600 yuan every year. 5. Charge the decoration garbage cleaning fee. Because the property management fee paid by the owner only covers the domestic garbage, the property management company can charge the corresponding removal and treatment fee for the construction garbage generated in the decoration. However, due to different places, the collection of construction waste clearance fees is also different, some by households, some by multiplying the actual area by the corresponding base. Buying a house can be a good solution for the parties, but the most important thing is that their own interests are in line with the law, which will have positive significance for the maintenance of their own interests. But for the parties, if there is a problem with their house, the relevant departments need to go through certain procedures to better safeguard their own interests.

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

20%~30% of the first suite mainly depends on which bank you borrow from, and some banks can make a down payment of 20%.

4. What is the down payment ratio for buying a house in Ganzhou?

The down payment ratio of the first home mortgage is 20%-30%, the down payment ratio of the second home mortgage is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. The down payment ratio will be different in different regions.

The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; Three suites are not allowed.

At present, there are great differences in the calculation of loan down payment between buying a house, buying a new house and buying a second-hand house. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans.

Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property.

Generally, the evaluation price of second-hand houses is lower than the market price. Appraisal prices are mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.