Now that people's lives are getting richer, many people will choose to buy more than one house. The first amount of money paid for the second house is the down payment for the second house. So what's the down payment ratio of the second suite in 2019? Now it's more cost-effective to buy a house. Let's take you to know.
What's the down payment ratio of second suite in 2019
In 2019, the down payment ratio of second set of housing will be reduced to 30%, and the minimum down payment ratio of second set of housing will be 30%. In terms of the provident fund policy, the down payment ratio of the first house is 20%. For the purchase of ordinary self owned housing after having a house with a settled loan, the minimum down payment ratio is 30%, while the previous down payment ratio was 60%.
The proportion of down payment for the first set of housing in non first tier cities: in principle, the minimum proportion of down payment is 25%, which can be floated down by 5 percentage points, that is, the minimum is 20%. The down payment ratio of second suite in non first tier cities: no less than 30%. The down payment ratio of second suite in first tier cities: generally not less than 50%.
How much is the down payment this year
1. Take the family as the unit, in the restricted cities, as long as it is 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 worth 1 million yuan, your down payment should be at least 300000 yuan. But if you are in a non restricted City, the down payment for the first house is 20%.
2. Although there are relevant regulations, as long as you take 30% or 20% of the total house price, there is still a loan problem. 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.
3. If you have a lot of money on hand or later, you can increase your down payment. Of course, full payment is a good choice. Full payment saves money, but it depends on your specific situation. If the down payment of 300000 yuan is bought by "selling iron by smashing the pot", there is no need to increase the down payment. There is no need to put so much pressure on yourself.
Generally speaking, the size of the down payment for buying a house is best determined according to their own situation. For the people with abundant funds, it is suggested to increase the down payment amount. For the people with tight funds, it is undoubtedly the best to choose a low down payment proportion.