First of all, for your house, there is absolutely no problem with a loan of 800,000 yuan.

2. Regardless of provident fund or commercial loan, you can borrow for 20-25 years, and the provident fund monthly calculation is based on 20 years. The repayment is about 4,800, and the interest rate is: 3.87%. The monthly repayment of the commercial loan for 20 years is about 4,900, and the interest rate is 4.18% (this is after a 30% discount on the interest rate for the first home purchase)

3. The price is good. It’s slightly lower than the market price

4. First, you need to determine whether the property is affordable housing, and if so. Whether the property ownership certificate is more than five years old, if not, the operation is not allowed. , if five years have passed, you will have to pay a deed tax of 3% and a stamp of 0.1%. The difference in business tax is 5.5% and the comprehensive land price is 10%.

If it is not an affordable housing and the property is less than two years old, the full business tax, deed tax, stamp tax will remain unchanged, and a 1% personal tax will be levied. There is no more 10% of the comprehensive land price. If the property is more than two years old, you will have to pay 3% of the deed tax and 0.1% of the stamp. The difference is 5.5% business tax and 1% personal tax.

5. Your down payment is determined based on the bank’s appraisal value. I calculated that if your house loan is at most 80% (only some banks can not be affected by the area), the commercial loan is 1.04 million. Monthly repayment (20 years): more than 6,400, 70% of the loan is 910,000. Monthly repayment in 20 years: more than 5,600. For provident fund, the maximum is 800,000. Unless your level is extremely high, you can borrow more points