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换房子，先买再卖比先卖再买多付多少钱？了解下

换房子，先买再卖比先卖再买多付多少钱？了解下

浏览：26次 | 提问时间： 07-22 11:36

我广州户口，已有一套房子，一次性付清的，现想换一套，已看中一套二手房了，想先买到了再把原来的卖了，朋友说这样会亏很多，请问要亏多少我买的房子付7成，3成做公积金贷款。如果先卖了原来的房子再买是否划算很多体现在那些方面

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可识故人颜 07-22 11:45

贷款买房有很多种，有公积金贷款和商业贷款。各个城市略有不同。首套的话，公积金贷款2成、商业贷款3成；二套住房多为4成。非普通住宅又有差别。在贷款前，你要先知道自己的公积金帐户上有多少钱，单位每月给你多少钱。只有知道自己的情况才能去贷款。公积金是职工的一种福利，贷款的利息比商业贷款低很多。商业贷款一般是可以和公积金一起，做成组合贷款，如果你要贷很多款，但是你的公积金余额有不多，这时可以组合贷款。确定自己的公积金后，就是去选房子。确定这个房子总价多少钱，首付多少，总价减去首付就是贷款的钱。首付是不能贷款的，所以你手上必须要有些现金，一般的首付是30%??。如果你手上的钱多于首付的30%??，那么你还可以再给现金，这样做的原因是减少你贷款的钱，因为贷款是要利息的，这样从总额来说，给的现金越多，贷的越少还是合算的，当然这个得由你自己的情况来决定。如果买期房，首次贷款首付30%即可，二次贷款首付60%，有时候还得看开发商有没有特殊规定；如果买二手房，首次贷款最多可贷评估价的70%，二次贷款可贷评估价的40%；商铺、写字楼不限贷款次数可贷评估价的50%。注意，银行为规避自己的风险，评估价往往会比成交价低很多，而贷款比例一定，成交价一定，评估价低了，可贷款额度也少了，相应的首付就会增加，所以买二手房计算首付的时候不能简单按照成交价的几成来计算，得先确定最多可贷多少款后才能确定首付款。首付两成是可以的,要看你的条件。人民银行的政策框架和授予的权限内,根据客户是首次购房或非首次购房、自住房或非自住房、套型建筑面积、借款人信用记录和还款能力等因素,制定差别化的利率政策和首付款比例要求,购买首套房或改善型自住房的优质客户,可以享受两成首付、七折利率优惠的房贷政策。享受两成首付的购房人群只能是教师、公务员、军人、医生、大型民营企业和外资企业的管理人群以及其他收入较稳定的高收入人群。首付最低付多少?一般是30%，新房也是，但是少数楼盘为了吸引更多的客户，做到了20%，开发商要求你到指定的银行才会放款，或者地段好一点的小户型也可以低点首付。2收房的话，所说的一般最低是30%，指的是房子评估值的30%,可能评估值比你的交易值要低，那么你的首付就比30%的总房款要多，再说了2手房交易本身的费用是不在房价里面，所以尽量准备多点现金好安排事情。或者找个职业顾问帮你算下费用也是很好的办法。

妄自菲薄 07-22 11:53

说说身边的例子供您参考，徐州睢宁是这么拆的，对原房子请评估公司评估多少钱一个平方，然后赔偿钱，但这钱先不给你，建的拆迁小区然后再按照多少钱一个平方，你自己回购，反正回购的房子比原来的房子最少贵一半以上。违建的部分按照正常评估价的一半算价钱。然后如果有多余的钱，再发给你。有的是回迁单家独院的，一个宅基就只能有一套房子，不管你家多少人或者几个儿子，反正就一套。要再买的话，首先符合当地政策，然后价格是按照市场价买。昆山是一个平方赔一个平方，里面的装修怎么算就不太清楚了。希望能给你个参考。刚你所说的，名字问题，那个不是问题，在农村，基本上都是知道哪个是哪家的，没关系的

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