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买第二套房子首付要多少

一、央行规定二套房首付比例。

根据央行的最新规定,对于已有一套住宅,但是房贷已经结清的家庭,再次申请公积金贷款购买第二套住宅,那么第二套房子的首付最低为30%。如果已经有一套住宅,但是没有将房贷结清,那么再次购买第二套住宅,其首付比例最低是40%。不过各省级城市可以根据房地产形势及政策的要求,对于住房贷款最低首付比例进行调整。

二、各个城市二套房首付比例。

1、在成都的11个限购区域内购买第二套住宅,其首付比例最低为60%,如果是在天府新区购买第二套住宅,其首付比例最低是70%。如果是在非限购区域购买住宅的话,其首付比例最低是40%。还有长沙、杭州、天津、宁波、厦门等地,二套房的首付比例最低为60%。

2、根据北京最新的楼市政策规定,购买第二套个人普通住宅,其首付比例最低是60%,非普通住宅的首付比例为80%。如果在上海、武汉购买第二套个人普通住宅,其首付比例最低是50%,第二套非普通住宅,其首付比例最低70%。目前二套房首付比例是4成的城市,主要有福州、太原、济南、西安等地区;南京、苏州二手房的首付比例最高,为首付比例为80%。

第二套房可以贷款多少年

各商业银行在按揭贷款期限方面有些许的差异,一般来说贷款期限最长为30年。个别银行还有一些其他要求,如农业银行规定借款人年龄加上贷款年限最长不得超过65年。中国银行规定外汇贷款最长不超过8年。

贷款年限越长越好吗

一般说来,贷款年限越长,月供压力越小,所还利息越多;贷款年限越短,月供压力越大,所还利息越少。

举个例子:有一客户申请商业贷款买了首套住宅,根据其年龄和所购房屋房龄计算,最高的贷款年限是30年。若他贷款100万元,利率为4.9%,贷30年好还是贷25年好?

计算之后得出:如果他选择贷款30年,比贷款25年少481元的月供压力,但是总利息要多还174127元。若借款人贷款200万元,月供和总利息的差值会更大。

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