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First, the down payment ratio of loans to buy a house should be divided into two situations:
1, down payment for buying the first suite: down payment ratio for commercial loans: down payment ratio for new houses 1 30% down payment for suites. New houses are the same as second-hand houses. But the new house pays 30% of the total price and 70% of the total loan price. The second-hand house is 30% of the loan appraisal price. The rest needs a down payment. Down payment ratio of provident fund loans: the down payment ratio of provident fund loans below 90_ (inclusive) for the first suite shall not be less than 20%; The down payment ratio of housing provident fund loans above 90_ shall not be less than 30%.
2. Down payment for buying a second home: the down payment ratio of commercial loans: 60% for the second home, and the loan interest rate is 1. 1 times of the benchmark interest rate. Down payment ratio of provident fund: as long as the first suite is a house with an area of 120 square meters or more, when buying a second house, no individual housing loan of housing provident fund will be issued; If the area of the first suite is below 120 square meters (inclusive), and the second set of ordinary self-occupied housing is purchased with the housing provident fund loan, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be lower than 1. 1 times of the personal housing loan interest rate of the first housing provident fund in the same period.
Generally speaking, there are two payment methods for buying a house. The first is one-time payment, and the second is installment payment. Buyers of one-time payment are mostly local tyrants. For most people, they will choose the form of mortgage to buy a house. Because choosing mortgage to buy a house can not only share the financial pressure, but also expand the value of funds, so that our funds will not be locked in the house. However, it is very important for buyers to decide the ratio of monthly mortgage to monthly income, because their monthly salary not only needs to pay the house payment, but also needs to live and support their families and so on.
Well-known economists in the world have done special research on this, and believe that the general mortgage can not exceed 30% of their household income and expenditure, which means that the lender must consider the future repayment ability before lending to buy a house. If the monthly repayment expenditure exceeds 30% of the household income and expenditure in the future mortgage period, then this feeling is actually not suitable for friends to buy a house through loans. Considering that China people are thrifty and love to save money, the loan ratio can rise appropriately, but it should be noted that the monthly mortgage repayment cannot exceed 50% of the income and expenditure.