Now, the down payment is divided according to the first suite and area: if the first suite is a newly bought house with an area of less than 90 square meters, the down payment can be reduced to 20%; If it is a second suite, when buying a house, the minimum down payment is 50%; For three houses, banks may not repay loans according to different house prices; In other cases, the minimum down payment is 30%.
It stands to reason that the minimum down payment for buying a house with a mortgage loan is 30%. If it is the first house, you can pay the down payment first. When buying a second apartment, our mortgage interest rate will increase, 40% in some areas, 50% in some areas, and 70% down payment is even needed in some cities. Of course, the down payment must be as much as possible. For those who have certain economic strength, it is best to buy them all at once, because the domestic interest rate is already very high.
What is the process of buying a house? 1. Choose a house: First, according to your actual demand for the house, make sure that the size, apartment type, location, price, apartment type and floor of the house meet your own requirements. Then, considering the strength of developers, community facilities, property qualifications and other factors, a house was finally selected.
2. down payment: after choosing a good house, you must pay a certain down payment when you decide to buy it to show your sincerity. Now house prices are rising every day. After a little hesitation, it may not be sold. In this case, it is necessary to pay attention to deposits and deposits. In this case, the deposit is legally binding. Once the contract is breached, the buyer will not be able to recover the deposit. If the developer defaults, the deposit will be refunded twice. As for the deposit, there is no clear stipulation in the law, which usually means to pay in advance and there will be no breach of contract.
3. Sign a house purchase contract: The next step is to buy a house, sign a contract, sign an agreement according to the actual situation of the house, and then pay the down payment. The purchase contract is an important document for purchasing houses and safeguarding rights and interests. Therefore, when signing the purchase contract, we should carefully check whether there are blank clauses in the contract, whether the responsibilities and rights in the supplementary agreement are equivalent, whether the liability and compensation for breach of contract are clear, the delivery date, delivery standards and house ownership.
4. Loan: Loan: You don't need a loan to buy a house in full, but now many people will borrow money. The loan depends on the individual's actual situation. There are two kinds of loans, one is bank loans, and the other is bank loans. According to the repayment method, it can be divided into equal principal and interest repayment and average capital repayment.
5. house inspection and delivery: to complete all the above matters, just wait for the notice from the developer. Inexperienced people can take professional home inspector to inspect the house from the inside out, including outdoor venues, roofs, basements, attics, water and electricity facilities, heaters, air conditioners and other facilities, and submit a written report to the buyer.
All of the above are about the down payment and the process of buying a house. I hope everyone can have a clear understanding of down payment and make better choices in their future life.