How much is the down payment for second-hand houses? What are the second-hand housing purchase qualification review steps?

How much is the down payment for second-hand houses? If the average buyer buys the first suite by stages, he should be prepared to make a down payment of 30%. But if he buys a second-hand house, the buyer can only get 70% of the loan amount. This 70% does not mean that a house with 654.38+00,000 can borrow 700,000 yuan and pay a down payment of 300,000 yuan.

After all, in the second-hand housing transaction, the second-hand housing will have an evaluation price, and 70% of the loan amount refers to 70% of the evaluation price. In other words, if the appraised house price of 1 10,000 is 900,000, then the buyer can borrow 630,000, so the down payment of this second-hand house is 370,000.

The calculation formula of down payment credit line of second-hand housing commercial loan: down payment of second-hand housing commercial loan = selling price-housing evaluation value x loan ratio; Second-hand housing loan credit line = housing appraisal value x loan ratio.

The influencing factors that endanger the down payment of second-hand houses generally have fixed requirements for the loan ratio in major cities, so the down payment limit of second-hand houses is related to the credit line of loans. The factors that endanger the housing loan amount mainly include:

1, the term of the house

Second-hand housing borrowers in the new transaction situation, financial institutions will consider the duration of the house. In this way, the loan amount of a relatively new house will be high, and the loan amount of a slightly longer house will undoubtedly be lower, and the down payment of a second-hand house will be greater.

2. Housing appraisal price

Second-hand housing transactions should be evaluated before. The analysis report of the house will immediately affect the loan amount. Therefore, the smaller the evaluation price, the higher the down payment; The bigger the evaluation price, the lower the down payment. Elements of risk assessment price:

(1) room type: the more the room utilization rate, the greater the appraisal price. For second-hand houses with "three small" rooms (small hall, small hall and rain rainbow), the appraisal price will be deducted by10%;

(2) Building: six floors: inner floor > high-rise residence > ground floor; Banlou: inner floor > 1 floor > 5 and 6 floors. If the floor price is 1, floors 2 and 6 will be lowered by 3% and floors 3 and 4 will be raised by 3%. If the roof is lowered by 5%;

(3) The service life of the house will affect the price evaluation: the longer the service life of the house, the older the building, the lower the pricing, the shorter the service life, and the lower the building age, the higher the pricing;

(4) orientation of the house: six floors: southeast > southwest > Shuangnan > east > west > northwest > north; Plate construction: north-south > double-south > east-facing; In addition, housing area, interior decoration, property management, etc. Can affect or further affect the evaluation price of the house.

What are the second-hand housing purchase qualification review steps? The process is as follows:

1. Pre-sign online.

2. Material verification. Property buyers hold the original required relevant materials to the dialog box for house purchase verification, and receive the acceptance receipt of second-hand house purchase qualification verification.

3. According to the channel of "Query on the Verification Results of the Second-hand Housing Purchase Qualification" on the sales market information platform network, you can view the conclusion of the house purchase verification by typing the serial number of the "Verification Receipt" and the name of the ID number of the purchaser.

4. After the verification is successful, get the result notice from the Housing Authority with the receipt, print and sign the paper contract that has been filed, and print the commitment letter at the same time.