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Governor

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Q: Down payment of home if it is the second home of my wife but my first home in Jinan?

My wife is Chinese I am American.  3 years ago she put her name on a house in Chengdu.  Now we want to buy a home in Jinan close to her family.  Normally this is my first home in China and it is our first home since we marry.  But because it is her second home I herd I had to have 60% of the homes down paymen.  That is a lot of money and I am not sure how to get this kind of money so quick,,,,, I can not get a loan in america for China home........  Is it true i need 60%

9 years 34 weeks ago in  Housing - Jinan

 
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Posts: 6321

Emperor

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what if she sells the home in Chengdu? Use that as a downpayment?

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9 years 34 weeks ago
 
Posts: 2735

Shifu

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I've never heard of that sort of percentage...it could be true but I doubt it. Usually the seller will make adjustments and will try to make a deal with you. I think normally the seller wants 60% but deals can always be made if they know your serious and that you will be on time with your payments!

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9 years 34 weeks ago
 
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Emperor

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If you're American, why do you write like a Chinese person? And yet this is the sort of post an actual American would write. I'm confused...

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9 years 34 weeks ago
 
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property records are by province. jinan does not know about her property in chengdu unless her national id number is own the documents. for a second home , a large down payment is required , i have been told 50 percent and the interest rate will be higher. best bet is put it in her mom or dads name and make a will that it passes to her in estate. this avoids the large payment and higher rate.

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8 years 30 weeks ago
 
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