The current high housing prices have discouraged many people who just need it. Now many people have the need to buy a house, but they can't afford to buy a house in full, so people choose mortgage loans to buy a house. Because the loan policies of different cities are different, it is necessary to master the local real estate policies, because only in this way can the funds on hand be arranged reasonably and used correctly. If you plan to buy a house in Baoding, what is the down payment for a house of 1.32 million yuan? How much is the monthly payment? Let me show you the relevant information below!

If the first set is purchased, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is, 1320000 * 30% = 924000 yuan, and the loan period is 30 years; Provident fund loans, the loan ratio can reach 80%, the loan amount is 600,000 yuan, and the loan period is 30 years.

If it is a second suite, it shall not be less than 50% of the appraised house price, that is, if the total house price is1320,000 yuan, the down payment needs1320,000 * 50% = 660,000 yuan; If the provident fund loans the second suite, the loan amount is 600,000.

Regarding the down payment and monthly payment of a house in Baoding, if you plan to buy a house with a price of 6.5438+0.32 million yuan in Baoding, you should make full financial preparations. The down payment is not a small expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of the Baoding housing loan I provided for you. I hope it will help you!