The down payment is the first advance payment when buying a house. Generally, the amount should be more than 3% of the total house price. Generally, the down payment ratio of the first suite is as follows:
1. For the first time to use the provident fund loan, the down payment ratio is not less than 2% for families who buy the first house with a floor area of less than 9 square meters or purchase affordable housing according to regulations; For families who purchase the first home and have a floor area of 9 square meters or more, the down payment ratio shall not be less than 3%, and the provident fund loan must be continuously paid for more than 12 months and still be paid at the time of loan.
2. if you use a bank loan, the minimum down payment ratio is 3% of the total house price. In the case of buying a second suite by loan, the down payment ratio of the loan shall not be less than 6%, and the loan interest rate shall not be less than 1.1 times of the benchmark interest rate; Banks basically do not apply for loans to buy third and above houses.
it is relatively simple to calculate the down payment when buying a house, but we should pay attention to one thing when signing a contract. If we use a loan when buying a house, we can first check our personal credit information and whether it meets the loan conditions. If it is, we should make clear the liability for breach of contract when signing a house purchase contract. If it is the developer's own problem, which leads to our personal loan failure, then the down payment we paid at that time should be fully refunded. After all, it is the developer's problem, not ours.