Now more and more friends borrow money to buy a house. Many friends ask whether a down payment on a house can be used as a loan. Next, Bian Xiao will introduce you to some knowledge of down payment loans for houses. Can a down payment on a house be loaned? The answer isno. Strictly speaking, a down payment on a house is not allowed. House down payment is the down payment when buying a house. You can't borrow the full amount to buy a house. The down payment of the house must be paid in cash according to the agreed proportion.

However, it doesn't matter where the down payment comes from, but the down payment can't be used for house loans. You can use other tangible assets for loans, so that you can pay the down payment, and the rest can be loaned monthly. Seeing this, friends should understand that the down payment on a house can be paid by a disguised loan, but there are two loan contracts involved here. The first contract is that you use your other property as collateral, get a loan from the bank, and use the loan to pay the down payment to the real estate developer; The second loan contract is to mortgage the house you bought to the bank to pay back your house.

A few days ago, many financial institutions launched "down payment loans" for young people who want to buy a house but don't have enough down payment. There are two types of down payment loans: guaranteed down payment loans are designed for improved buyers: buyers want to sell their existing houses and buy a new one, but the down payment time for selling their own houses and buying a new one may not be exactly the same. If the down payment funds are insufficient in a short time, they will exchange their existing mortgage loans for the down payment of new houses. Unsecured down payment loans seem to be more popular at present: there is no collateral, and it is all based on "stricter review" to provide down payment loans for buyers.

However, many cities have urgently stopped "down payment loans". It is said that financial supervision departments, including the central bank and the China Banking Regulatory Commission, are paying close attention to the financing risks of the real estate industry in some areas, and plan to introduce measures to crack down on the behavior of issuing loans as down payment for housing loans.

Here, Bian Xiao also reminded the majority of buyers that although the house down payment can be loaned, the house down payment faces great risks. The down payment of the house will make you face mortgage and down payment, which will increase your life pressure. Therefore, if the down payment funds are really insufficient, you can consider borrowing from relatives or friends to reduce your repayment pressure.

(The above answers were published on 2017-01-17. Please refer to the actual situation for the current purchase policy. )

Sohu Focus Network provides you with comprehensive information such as real estate information, real estate details, purchase process, owners' forum and home decoration.