How much is the down payment for a house of 1 10,000?
1, which specifies the first down payment algorithm for new houses. According to national regulations, as long as it is the first house, the down payment cannot be less than 30% of the total house price. For example, if you want to buy a house of 1 10,000, then your down payment should be at least 1 10,000 * 30% = 300,000.
2. The down payment can be calculated according to the loan amount. Although there are regulations, it can only take 30% of the total house price. There is a loan problem. Take the above-mentioned house with a total house price of 6,543,800 yuan as an example. If the provident fund loan is adopted, both husband and wife can borrow 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan. If you use a commercial loan, you need to examine your family income and repayment ability to see how much you can borrow. The total house price minus the loan amount is also the down payment.
3. One activity launched by some developers is down payment installment. The down payment installment means that the purchaser pays part of the down payment according to a certain proportion and signs a loan contract, and then makes up the remaining down payment within a certain period of time. The down payment made by the developer is interest-free, and the customer only needs to sign the relevant contract with the developer, stipulating the installment repayment time and related liability for breach of contract.
How much is the down payment for buying a house?
1. For families, as long as it is the first house in the restricted city, the down payment shall not be less than 30% of the total house price. For example, if you want to buy a house with a value of100000, then your down payment should be at least 300000. However, if you are in a non-restricted city, the down payment for the first suite is generally 20%.
2. Although there are relevant regulations, as long as you take 30% or 20% of the total house price, there is still a loan problem. If you use a commercial loan, you need to examine your family income and repayment ability to see how much you can borrow. The total house price minus the loan amount is also the down payment.
3. All the above are the first suites. In cities with restricted purchases, the down payment ratio of loans for buying two suites is generally not less than 50% (the down payment ratio of two suites varies greatly from city to city, subject to the regulations), that is to say, a house with a total price of one million yuan must have a down payment of at least 500,000. However, in non-restricted cities, the down payment for buying a second suite is generally 30% of the house price.
4. If you are well-off or well-off in the later period, you can completely increase the down payment. Of course, the full amount is naturally a good choice, and the full amount is more economical; But it still depends on your own specific situation. If the down payment of 300,000 yuan is obtained by selling iron in a saucepan, there is really no need to raise the down payment, and there is no need to put so much pressure on yourself.
When buying a house, everyone must pay attention to the specific policy of buying a house. After all, different cities have different understandings of buying a house. The above is a more appropriate introduction about the down payment of 654.38+00,000 houses. Everyone should pay attention to the specific transaction process before buying a house and buy a house in combination with their family's economic ability.