The current high housing prices make many people just want to stop. Nowadays, many people have the need to choose a house, but they are unable to choose a house in full, so people choose a house with a personal mortgage. Because the loan policies in different regions 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 choose a house in Ruzhou, how much is the down payment for a 630,000 house? 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, 630,000 * 30% = 44 1 1,000 yuan, and the longest loan period shall be 30 years; Provident fund loans, the maximum loan ratio can reach 80%, the maximum loan amount is 600,000 yuan, and the longest loan period is 30 years.

If it is a second suite, it is not less than 50% of the appraised house price, that is to say, for a house with a total price of 630,000, the down payment needs 630,000 * 50% = 3 1.5 million yuan; If the provident fund loans the second suite, the maximum loan amount is 600,000.

Regarding the down payment and mortgage of Ruzhou house selection, if you are going to buy a 630,000 house in Ruzhou, you must make full 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 Ruzhou housing loan I provided for you. I hope it will help you!