The current high housing prices have discouraged many people who just need it. Nowadays, many people have the need to buy a house, but they are unable to buy a house in full, so people choose personal housing loans to buy a house. Because the loan policies in different provinces 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 are going to buy a house in Baoshan, how much is the down payment of 3.38 million? How much is the mortgage? Let me show you the relevant information below!

For the purchase of the first home, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is, 3.38 million * 30% = 2.366 million 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's a second suite, it's not less than 50% of the appraised house price, that is to say, for a house with a total house price of 3.38 million, the down payment needs 3.38 million * 50% = 1.69 million; If the provident fund loans the second suite, the loan amount is 600,000.

Regarding the down payment and mortgage of Baoshan house, if you are going to buy a house of 3.38 million yuan in Baoshan, you should make sufficient financial preparations. The down payment is also a big expense, and the monthly mortgage should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of Baoshan housing loan I provided for you. I hope it will help you!