As a star city in Central China, Wuhan has more and more talents, so there is a purchase restriction policy in the real estate market. For the buyers of the first house, the impact of the purchase restriction policy is not great, but for the people who buy the second house, the down payment ratio has a greater impact. So, how much is the down payment for the second suite in Wuhan? What are the policies for second set of housing in Wuhan?
How much is the down payment for the second suite in Wuhan?
1. At present, it is stipulated that households with one set of housing in Wuhan apply for personal housing loans again to buy commercial housing, and the minimum down payment ratio of loans is 40%.
2. For households with 2 or more houses in Wuhan and the corresponding house purchase loans have been settled, or one house loan has not been settled, the minimum down payment ratio of the loan is 40%. The specific proportion of down payment shall be carefully controlled by banking financial institutions according to the borrower's solvency, credit status and other factors.
3. For households with 2 or more houses in Wuhan and 2 housing loans have not been settled, apply for personal housing loans again to buy commercial houses, and continue to suspend the issuance of corresponding house purchase loans.
What are the policies for second set of housing in Wuhan?
1. Households with one set of housing in Wuhan apply for personal housing loan again to buy commercial housing, and the minimum down payment ratio of the loan is 40%.
2. Households with 2 or more houses in Wuhan who have settled the corresponding house purchase loans or 1 house loan outstanding shall apply for personal housing loans again to buy commercial houses, and the minimum down payment ratio of loans is 40%.
3. Households with 2 or more houses in Wuhan and 2 housing loans outstanding shall apply for personal housing loans again to buy commercial houses, and continue to suspend the issuance of corresponding house purchase loans.
4. For the following three types of resident families, the sales of ordinary commercial houses with a construction area of 144 square meters and below shall be suspended in this administrative region:
(1) registered residence households with 2 or more housing units;
(2) non registered residence households with 1 or more housing units;
(3) the 2 non registered residence households who have not been able to provide the personal income tax or social insurance certificate for 1 years or more in the city within the first five years of the purchase.