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购房首付最低多少钱呢？有人知道吗？请大家给我点参考价格

购房首付最低多少钱呢？有人知道吗？请大家给我点参考价格

浏览：42次 | 提问时间： 07-20 03:28

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北城旧事 07-20 03:29

我也不知道呢有人说按照房屋坐向的上下有人说按照东西。哪位大师来帮忙解答下啊

长肉这种有种冲胸来 07-20 03:46

外地人购房需要1年个税社保或纳税。最低首付30%。一次购房记录的，已结清，最低首付40%；一次购房未结清首付最低50%。对已拥有1套住房的居民家庭，最低首付款比例由至少30%调整为40%。首次公积金贷款，首付比例仍按至少20%执行；

没有你我活的更好 07-20 03:54

据悉，最近太原二手房市场活跃。但对购房者来说，购买二手房也有不少烦心事。业内人士提醒，现在市面上有不少“一房二贷”的房源，二次抵押、分别抵押、楼速贷、速帮贷……房主套钱手法多。一房二贷有哪些情形呢？购房者在购买时应该如何避开这些风险？业内人士建议，只要房屋现在产权完整属于房主就可以进行买卖过户。贷款没有还清的房子不能买卖，需要贷款结清后才能进行交易。房产“二押”你知道吗？在太原小店区长风街与长治路口附近，市民王女士购置了一套70平方米的小户型。王女士说，“我买这套房子的时候，房价才7000多元/㎡，现在贷款都快还完了。去年突然有银行工作人员给我打电话说，这套房子的市值早已超过当时贷款的额度，假如我有需求的话，可以申请二次抵押贷款。于是，我又申请了二次抵押贷款，贷出一部分钱用于经营自己的小买卖。”从某银行人士处获悉，个人房屋二次抵押贷款是银行为已获得银行住房抵押贷款的借款人提供的加按揭贷款服务。在偿还一定贷款本息后,如一时需要资金用于个人消费或经营，可用该房屋抵押价值减去原贷款余额后的差额作为抵押，再次向银行申请贷款。现在这项业务基本停止办理，但太原市仍有不少房源处于一房二贷、二次抵押贷款的状态。通常情况下，二次抵押贷款的房屋都是市场发展潜力较大的优质住房和商业用房，房屋所处位置优越、交通便利、配套设施齐全、具有较大的发展潜力，是二手房买家特别青睐的房源。有房产经纪人表示，曾遇到这样的二押房源，但此前并不知道有两次贷款。在最终合档时发现有这样的房源，只能选取放弃交易。房地产中介人士表示，有二次抵押贷款的房屋不能直接过户。由于办理了房产抵押贷款，房产证抵押在银行，过户是被禁止的，房贷不及时偿还会造成逾期，而此种情况下，假如房东有债务纠纷，银行有权利冻结房产并有权拍卖。具有二次抵押贷款的房屋购买时要特别谨慎。

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