What is the formula for calculating the down payment of a house?
Down payment for the first suite: total house price-customer loan amount = contract price ×80% (the maximum amount of the first home loan can reach 80%), and the down payment ratio for the first suite is not fixed, because the down payment ratio for the first suite will be different in different regions. Second-hand house down payment: actual transaction price-customer loan amount (net down payment: excluding national taxes and intermediary service commission down payment), loan amount = second-hand house evaluation price ×70% (the first loan amount can reach 70%).
What should I pay attention to when buying a house for the first time?
1 to avoid falling into the deposit trap.
When we buy commercial housing, we need to avoid falling into the deposit trap. Many developers will launch various discount activities when selling commercial housing, and ask buyers to pay a certain deposit. Most of the agreed money will still be refunded, but some developers will refuse to return it for various reasons. Therefore, when we pay the house purchase deposit, we need to be optimistic about the deposit contract, distinguish the deposit from the deposit, and avoid falling into the deposit trap.
2. Check the reputation of the developer online.
When we buy a commercial house, we also need to search the reputation of this property and the developer online to see if there are any posts that infringe on the rights of the next developer and property, so as to avoid buying a house of a black-hearted developer.
3. Look at five cards
When buying a commercial house, you need to check whether the developer has five certificates: commercial house sales (pre-sale) permit, construction permit, planning permit, land use planning permit and state-owned land use permit. Only the developers with complete five certificates can explain that the procedures are complete and the quality of the house is guaranteed.
The above is an introduction to the down payment calculation formula, hoping to provide some help when buying a house, so that everyone can buy their favorite house.