Buying a house is a great event in life, and it is also a happy thing. The amount of buying a house is relatively large, and many people can't afford that much money at the moment, so they can only choose to borrow money to buy a house. So what is the monthly down payment for a house of 165438+ 10,000 yuan? What are the precautions for loans? Next, Bian Xiao will introduce the relevant contents to you. Let's have a look.

165438+ how much is the monthly down payment for a house of ten thousand yuan?

The down payment ratio and loan interest rate of the first suite and the second suite are different. Here, take the first home loan for 20 years as an example:

1. Commercial loans: The minimum down payment for commercial loans is 30%, and the loan interest rate generally rises by 15%, so the down payment needs 330,000 yuan, and the loan amount is 770,000 yuan. The monthly repayment of equal principal and interest is 5355.6 1 yuan, and the first monthly repayment of average capital is 6824.438+03 yuan, and then it will be reduced by 5-6 yuan every month.

2. Provident fund loan: The minimum down payment of provident fund loan is 20%, and the first suite is implemented according to the benchmark interest rate, so the down payment needs 220,000 yuan, and the loan amount is 880,000 yuan. The monthly repayment of matching principal and interest is 49,965,438+0.32 yuan, and the first monthly repayment of average capital is 6,050.00 yuan, and then the monthly repayment is reduced by 9-65,438+00 yuan.

What are the precautions for loans?

1, apply for a mortgage, you should do what you can. Some people think that the higher the loan amount, the better. Actually, it's not. The borrower needs to pay interest. If the loan amount is large and the loan term is long, the more interest will be paid, which will increase the repayment pressure. Therefore, lenders should act according to their own actual situation.

2. Before applying for a loan, you should prepare a copy of your ID card, household registration book, marriage certificate or single certificate, education certificate, income certificate, bank account, house purchase contract, down payment invoice, social security related certificates and other related materials in advance. In addition, to ensure the authenticity of the materials, we can't provide false materials to banks, which will have a serious impact.

Summary of the article: The above is the related content of monthly down payment 165438+ 10,000 yuan introduced by Bian Xiao, hoping to provide some reference for friends in need.

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