Nowadays, buying a house has become a hot topic after dinner. The dream of many people is to have a house of their own, which doesn't need to be too big and enough. At present, the property market policy is more favorable for the just need group, especially in the down payment. So, what are the new down payment rules for house purchase? When will the down payment be made?
What are the new down payment rules for house purchase?
1. In 2018, the new policy of down payment for buying a house is still 20% in many places. Last year, we knew that the state encouraged the real estate to be destocked. In this context, the state relaxed the housing loan policy and reduced the down payment ratio from the original 30% to 20%. In 2018, if we buy a house with loans, what is the general down payment? According to Xiaobian, except for some big cities, most places still implement the 20% down payment policy. The calculation method is as follows:
2. New down payment policy for housing purchase in 2018: according to the national regulations, as long as the family is the unit of the first house, the down payment should not be less than 30% of the total house price. For example, if you want to buy a house with a value of 1 million yuan, your down payment should be at least 1 million * 30% = 300000 yuan. Although it is stipulated that only 30% of the total house price is OK, there is still a loan problem.
3. For example, if the above-mentioned house with a total price of 1 million yuan uses provident fund loan, the couple can borrow 450000 yuan, then the remaining house money will have to be paid down, that is, 1 million yuan-450000 yuan = 550000 yuan, that is, 550000 yuan. If you use commercial loans, you also need to examine your family income and ability to repay the loan, to see how much money you can borrow, then the total house price minus the amount of loans, the rest is also down payment.
When will the down payment be made?
1. The down payment is the first advance payment when the house is purchased. Generally, the amount should be more than 30% of the total house price. After both parties sign the pre-sale contract or sales contract, the down payment should be immediately returned or offset the house price.
2. Commercial housing subscription agreement is an agreement signed for housing subscription before the developer and the buyer sign the formal "commercial housing pre-sale contract". Generally speaking, after the commercial housing pre-sale contract is supervised by the Housing Authority, the subscription agreement becomes invalid. We think the subscription agreement is just a 'deposit agreement'.
3. Generally, you start to pay the down payment after the opening of the offer, complete the loan information and send it to the bank for approval. Generally, you wait about 1-2 months, and the bank will make a loan. Then you start to pay the monthly contribution from the next month, that is, you start to pay the loan.
In fact, when you buy a house, you must pay attention to the policy first, and know which stage of the buyer you belong to. Different purchase groups need to pay different down payment. The above article is about what is the new down payment regulations for house purchase 2018 and when to pay the down payment for the future house. I believe that after you read it, you will have a clear understanding of the down payment policies.