If you plan to buy a house in Haiyan, how much is the down payment for a house worth 1.28 million yuan? How much is the monthly payment?

Today's high housing prices have put a stop to many urgent needs. Nowadays, many people have the need to buy a house, but cannot afford to buy a house in full, so people choose to buy a house with a personal housing loan. Since different provinces have different loan policies, it is necessary to understand the local real estate policies, because only in this way can we reasonably arrange the funds on hand and spend them correctly. If you plan to buy a house in Haiyan, how much is the down payment for a house worth 1.28 million yuan? How much is the monthly payment? Let me take you through the relevant information below!

If you purchase your first property, the down payment ratio of the commercial loan shall not be less than 30% of the total price of the house, that is, 1,280,000 * 30% = 896,000 yuan, and the maximum loan period is 30 years; for provident fund loans, the loan ratio The maximum loan amount is 80%, the maximum loan amount is 600,000 yuan, and the maximum loan term is 30 years.

If it is a second house, it must not be less than 50% of the appraised value of the house. That is to say, to purchase a house with a total house price of 1,280,000 yuan, the down payment requires 1,280,000 * 50% = 640,000 yuan; Provident Fund Loan 2 For a suite, the maximum loan amount is 600,000.

As for the down payment and monthly payment of a house in Haiyan, if you plan to buy a house worth 1.28 million yuan in Haiyan, you must make sufficient financial preparations. The down payment is also a large expense, and every month You must also calculate whether the supply will affect your quality of life in the next few years or even decades. The above is the content of Haiyan house purchase loan that I provide you, I hope it can help you!