Can I pay a 30% down payment?

With the continuous development of the real estate marketing department, more and more people are buying apartments now, but some people don't quite understand the difference between houses and apartments and often confuse them. Then, the following small series will let you know about the 30% down payment of the apartment and the difference between the apartment and the house.

Can I pay a 30% down payment?

You can make a down payment of 30% for an apartment, but it must be a 70-year-old apartment and the first house you buy. Generally speaking, the down payment ratio of the first suite is 20%-30%, and the down payment ratio of the second suite is 50%-70%, and its execution interest rate is 1. 1 times of the benchmark interest rate, but the down payment will be different in each region. In addition, according to the current situation of the real estate market, there is still a big difference between the calculation methods of down payment for new houses and second-hand houses.

The difference between an apartment and a house

1, house purchasing qualification

There are some differences between apartments and houses in the policy of restricting purchases and loans. At present, apartments in most cities are not affected by the policy of restricting purchases and loans, and houses in various cities are affected by the policy of restricting purchases and loans.

2, property rights.

In terms of property rights, houses and apartments are also different. The property right of a house is usually 70 years and that of an apartment is 40 years.

3. Function

Houses and apartments have different functions. The house can only be used for living, but the apartment is crying to register a company.

4. Loan method

When applying for a loan, the house can use commercial loans and provident fund loans, and the apartment can only use commercial loans, not provident fund loans.

5. Term of loan

When applying for a commercial loan, the loan period of the residence is 30 years, while the loan period of the apartment is only 10 years.

6. Deed tax standard

The deed tax standard for buying a house is different from that for an apartment. The deed tax standard of a house is between 1% and 3%, while the unified standard of an apartment is 3% regardless of its size.

At the end of the article, I wrote: The above is about whether an apartment can be down paid by 30% and the difference between a business apartment and a residence. I hope it will help everyone. For more information, please keep an eye on Qijia. com。