How to calculate the down payment price of a second-hand house
Recently, the popularity of the second-hand housing transaction market has continued to rise, and down payment calculation has become the focus of home buyers. This article will combine the hot topics and hot content on the Internet in the past 10 days, analyze in detail the calculation method of down payment for second-hand houses, and provide structured data for reference.
1. Basic calculation method of down payment for second-hand housing
The down payment for a second-hand house is usually determined by the total price of the house, loan ratio, appraised price and other factors. The specific calculation formula is as follows:
| Influencing factors | Description |
|---|---|
| total house price | The transaction price negotiated between the buyer and the seller |
| loan ratio | Determined based on the home buyer’s qualifications and bank policies, usually 60%-70% |
| Appraisal price | The evaluation results of the house value by the appraisal agency commissioned by the bank may be lower than the actual transaction price. |
Down payment calculation formula:Down payment amount = total house price - loan amount, among whichLoan amount = appraised value × loan ratio.
2. Examples of down payment ratios for second-hand houses in different cities
The following is the reference data on the down payment ratio of second-hand houses in recent hot cities:
| city | Down payment ratio for first home | Down payment ratio for second home |
|---|---|---|
| Beijing | 35% | 60% |
| Shanghai | 35% | 50% |
| Shenzhen | 30% | 70% |
| Guangzhou | 30% | 40% |
3. Actual case analysis
Assume that a house buyer purchases a second-hand house in Shanghai with a total price of 5 million yuan, an appraised price of 4.5 million yuan, and a loan ratio of 65%. The down payment is calculated as follows:
| Project | Amount (10,000 yuan) |
|---|---|
| total house price | 500 |
| Appraisal price | 450 |
| Loan amount (450×65%) | 292.5 |
| Down payment amount (500-292.5) | 207.5 |
4. Other factors affecting down payment
In addition to the above core factors, the following issues also need to be paid attention to:
1.taxes: Deed tax, value-added tax, personal income tax, etc. involved in second-hand housing transactions may increase actual expenses.
2.agency fee: Usually 1%-2% of the total price of the house, funds need to be reserved in advance.
3.Decoration cost: If the house needs to be renovated, additional budget may be added.
5. Supplementary information on recent hot topics
According to a search on the entire Internet, the following topics are highly related to down payments for second-hand houses in the past 10 days:
| topic | heat index |
|---|---|
| “The gap between the appraisal price and the transaction price is too large” | high |
| "Adjustment of Provident Fund Loan Amount" | Middle to high |
| “Relaxation of standards for second house identification” | in |
Summary
The calculation of the down payment for a second-hand house requires a comprehensive consideration of the total house price, appraised price, loan ratio and local policies. It is recommended that home buyers consult banks and intermediaries in advance to ensure adequate financial preparations. If you need further help, you can contact a professional real estate consultant or log on to the official website of the local housing and construction department to check the latest policies.
check the details
check the details
en
