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如何根据首套房来降低首付比例

临汾官方实播台   2017-10-18 10:43

[摘要] 业主们需要知道买房的首付要多少与大家所买的房是不是首套房有很大关系的,如果是二套房首付比例就得给的多,如果是一套房因为有一定的贷款优惠,可以给的少一些,那首套房首付比例是多少,首套房首付计算方式是怎样?我们一起来了解一下!一、首套房的含义1、首套房指购买仅拥有一套住房。

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: center; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">1 (2).jpg

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">业主们需要知道买房的首付要多少与大家所买的房是不是首套房有很大关系的,如果是二套房首付比例就得给的多,如果是一套房因为有一定的贷款优惠,可以给的少一些,那首套房首付比例是多少,首套房首付计算方式是怎样?我们一起来了解一下!

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">RDER-: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; BORDER-BOTTOM: 0px; FONT-WEIGHT: bold; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; BORDER-LEFT: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; resize: none; font-stretch: inherit">一、首套房的含义

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">1、首套房指购买仅拥有一套住房。中国人民银行规定我国城市居民购买套住房享有按揭贷款利率优惠。

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">2、所谓的“首套房”得同时满足三个条件:买房人年满18周岁;买的房子是90平方米及以下的普通住房(90平方米及以下的普通住房是享受契税税率1%的优惠);购房人名下没有单独或与他人共同购买的住房。不过与父母一起购买的、按照房改政策购买的、通过继承遗产或拆迁安置获得的住房除外。

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">RDER-: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; BORDER-BOTTOM: 0px; FONT-WEIGHT: bold; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; BORDER-LEFT: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; resize: none; font-stretch: inherit">二、首套房首付比例

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">1、在我国对于首套房的首付比例并没有一个固定的规定,各地区根据不同的实际情况来对首套房首付比例来实施,所以对于首套房的首付比例是一个掌握的难点。那首套房首付比例一般是多少?爱福窝小福为大家收集了一些资料,以北京首套房首付比例为例了解下2、以家庭为单位,如果是首次购房,可以贷到房屋评估价的70%(评估价一般比市场价低。例如:一套房屋市场价格是200万,评估价180万,那可以贷180万的70%,就是126万,剩余的房款200万-126万=74万是作为首付的),利率打折(基准利率的85%);3、商业贷款既认房又认贷:既看家庭名下有没有房产,也看之前有没有过贷款记录。即使是有过房产已经出售,或者有过房贷已经还清,都算记录(例如:曾经有过一套住宅房产,已经出售;或者曾经有过一套住宅房产,而且有贷款,并且贷款已经还清,房子已经出售给别人,现在名下没有房子,都算一次记录,您再通过商业贷款买房时,就算二套了)。

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">RDER-: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; BORDER-BOTTOM: 0px; FONT-WEIGHT: bold; OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; BORDER-LEFT: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; resize: none; font-stretch: inherit">三、公积金贷款

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">1、以家庭为单位,如果是首次购房,可以贷到房屋评估价的80%(90平米以内,超过90平米是70%)。

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">2、注意:公积金如没有评级,一般只能贷80万,但要看您的公积金缴存额和缴存比例。

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">3、首套房首付计算方式:

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">首付款=总房款-客户贷款额

RDER-: 0px; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(0,0,0); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-: 0px; FONT: 18px/32px 'Lantinghei SC', 'Open Sans', Arial, 'Hiragino Sans GB', 'Microsoft YaHei', 微软雅黑, STHeiti, 'WenQuanYi Micro Hei', SimSun, sans-serif, tahoma, arial; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px 0px 30px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; resize: none; font-stretch: inherit; -webkit-text-stroke-width: 0px">贷款额=合同价(市场价)×80%(首次贷款额度可达80%)

RDER-: 0px; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; PADDING-: 15px !important; FONT: 16px/29px 'microsoft yahei'; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; MARGIN: 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-stretch: normal; -webkit-text-stroke-width: 0px" align="center">

RDER-: 0px; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; PADDING-: 15px !important; FONT: 16px/29px 'microsoft yahei'; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; MARGIN: 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-stretch: normal; -webkit-text-stroke-width: 0px" align="center">手机微信添加公众号:临汾房天下随时随地了解到临汾楼盘动态信息。

RDER-: 0px; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; PADDING-: 15px !important; FONT: 16px/29px 'microsoft yahei'; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; MARGIN: 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-stretch: normal; -webkit-text-stroke-width: 0px" align="center"> 

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