Buying a house is a major event in life. Most people can't settle the house payment at one time in the process of buying a house, so they use the down payment and installment payment system to buy a house. But what is the down payment ratio when we buy a house? I believe many friends don't understand. With the change of policy, Jiazhuang.com Bian Xiao today brings you the latest down payment ratio of 20 16, and analyzes the calculation method of down payment ratio for buying a house. Let's have a look.

First, the amount of housing loan

I believe this is not difficult to understand. Take Bian Xiao as an example. If the house purchase price is 2 million yuan and the loan amount is 100, then the down payment is 200- 100= 100 million yuan. This calculation method is the same whether it is a provident fund loan or a commercial loan. Down payment = total house price-loanable amount.

Second, 20 16 latest down payment ratio for house purchase

When it comes to down payment, we can't help but talk about the down payment ratio. The down payment ratio refers to the percentage of down payment to the total house price, that is, down payment = total house price x down payment ratio. The down payment ratio is clearly stipulated by the state.

According to the new policy of 20 14, the down payment ratio of first-time house purchase (the house area is less than 90 square meters) is not less than 20%, and the area is not less than 30%; If the second house is purchased and the first house is paid in one lump sum or the loan has been paid off, the down payment can continue to be implemented according to the standard of down payment ratio, that is to say, the down payment is still not less than 20% of the house price under 90 square meters, and the down payment over 90 square meters should not be less than 30% of the total house price; In cities without purchase restriction measures, commercial banks can grasp the level of down payment and loan interest rate according to their own conditions and the evaluation of borrowers if they have two or more houses and have settled all loans and want to borrow again to buy a house.

However, according to the latest down payment ratio of 20 16, it has been lowered to 20%. For households that already own 1 apartment and the corresponding housing loans are not settled, and purchase ordinary housing to improve their living conditions, the minimum down payment ratio of commercial personal housing loans is 30%.

Bian Xiao's calculation method about the down payment ratio of buying a house is introduced here. I believe everyone should know the latest down payment ratio of 20 1620 16. If you want to know more about home improvement, please pay attention to the home improvement network (www.jiazhuang.com).