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

1. How much is the down payment for buying a house in Tianjin? Is it 20% or 30%?

The down payment is the first advance payment when buying a house. The general amount should be above 30% of the total house price. The general down payment ratio of the first suite is as follows: 1. For families who use provident fund loans for the first time and purchase the first set of housing with a construction area of less than 90 square meters or purchase affordable housing according to regulations, the down payment ratio is not less than 20%; For families who purchase the first home with a floor area of 90 square meters or more, the down payment ratio shall not be less than 30%, and the provident fund loan shall be paid continuously for more than 12 months and still be paid at the time of loan. 2. If a bank loan is used, the minimum down payment ratio is 30% of the total house price. If the second suite is purchased by loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; Banks basically do not apply for loans to buy third and above houses.

Second, what is the down payment ratio of buying a house in Tianjin now, or 30%?

1, if the provident fund is used for the first time and is less than square meters (inclusive), the minimum loan down payment ratio is more than 9% of the house area;

2. The minimum down payment for purchasing the first suite with bank mortgage loan is more than 30%.

Buying a second-hand house in Tianjin can choose auction. Take a picture and try it.

3. What is the down payment ratio for buying a house in Tianjin?

If a household applies for a commercial personal housing loan to buy a second home, the minimum down payment ratio is 40%.

According to the website of Tianjin Municipal Commission of Housing and Urban-Rural Development, seven departments, including Tianjin Municipal Commission of Housing and Urban-Rural Development, issued the Notice on Further Improving the Real Estate Regulation Policy to Promote the Healthy Development of the Real Estate Industry on June 16, and improved the housing credit policy from two aspects: the down payment ratio of housing loans and interest rates.

The first is to optimize the down payment ratio of housing loans. For households with no personal housing loan records and no housing in Tianjin, the minimum down payment ratio is 30% if they apply for a commercial personal housing loan to buy the first home. Residents who have settled their house purchase loans and have no houses in Tianjin apply for commercial personal housing loans to purchase houses, and the first home loan policy is implemented. If a household applies for a commercial personal housing loan to buy a second home, the minimum down payment ratio is 40%.

The second is to implement the preferential policy of national mortgage interest rate. For households who purchase ordinary housing by loans, the lower limit of the interest rate of the first set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding regular loan market minus 20 basis points, and the lower limit of the second set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding regular loan market plus 60 basis points. Unless otherwise stipulated by the state, the latest policy shall prevail.

In terms of supporting the demand for improved housing, the Notice clarifies that families with members aged 60 or above and families with two or more children can purchase 1 apartment on the basis of the original housing purchase restriction policy in Tianjin. Families who raise their own affordable rental housing 1 apartment through the Tianjin affordable rental housing development platform, and the lease term is not less than 5 years, can purchase 1 apartment on the basis of the original housing purchase restriction policy.

If a resident family sells 1 house after the number of houses held in the restricted housing area in Tianjin reaches the limit, it can buy 1 house again, but the total number of family houses shall not exceed 2. Residents' family houses are expropriated by the people's governments at or above the municipal level due to the construction of major urban infrastructure projects, and they can purchase houses with the expropriation agreement. If the price of newly purchased houses does not exceed the housing compensation, the deed tax shall be exempted; If the price of newly purchased houses exceeds the housing compensation, the deed tax shall be levied on the excess.

4. What is the down payment ratio of buying a house in Tianjin now, or 30%?

1, it is the first time to use the provident fund. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall be at least 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 purchasing the first suite with bank mortgage loan is more than 30%.

Buying a second-hand house in Tianjin can choose auction. Take a picture and try it.