The current high housing prices make many people who just need it daunting. 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 in different regions are different, it is necessary to understand 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 Huangshan, how much is the down payment of 850 thousand? 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, 850,000 * 30% = 595,000 yuan, and the loan period shall be 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 to say, for a house with a total price of 850,000 yuan, the down payment needs 850,000 * 50% = 425,000 yuan; If the provident fund loans the second suite, the loan amount is 600,000.

With regard to the down payment and mortgage for buying a house in Huangshan, if you are going to buy a house of 850,000 yuan in Huangshan, you should make adequate financial preparations. The down payment is not a small 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 the Huangshan housing loan I provided for you. I hope it will help you!