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80后工薪族二手房如何定制和控制预算？注意事项有哪些呢_其他_设计456问答
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80后工薪族二手房如何定制和控制预算？注意事项有哪些呢
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80后工薪族二手房如何定制和控制预算？注意事项有哪些呢
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装修小白，什么都不懂啊
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6个答案
二手房首付比例是经过银行对房屋状况及贷款人信用等综合评估后而定，首付比例最低仍为评估价的20%。二手房首付计算方式：
1：净首付款
实际成交价-客户贷款额(净首付款：不包括国家税费和中介服务佣金的首付款)
2：二手房贷款额
二手房评估价*80%(首次贷款额度可达80%)
3：二手房贷款额估算方式，可用合同价*85%，预估出大致评估价格。
东莞二手房首付比例国家规定:首次购房首付3成，贷款7成;二次购房首付4成，贷款7成。无论是新房还是二手房都一样的比例。其实那个城市都是一样的比例。二手房首付比例是经过银行对房屋状况及贷款人信用等综合评估后而定，首付比例最低仍为评估价的20%。二手房首付计算方式:
1:净首付款
实际成交价-客户贷款额(净首付款:不包括国家税费和中介服务佣金的首付款)
2:二手房贷款额
二手房评估价*80%(首次贷款额度可达80%)
3:二手房贷款额估算方式，可用合同价*85%，预估出大致评估价格。
