Now the competition in the real estate market is fierce, and some real estate companies may have various preferential policies to attract buyers, including installment down payment. Then, the following small series will share with you the minimum down payment for buying a house in installments and how to buy a house in installments.

1. What is the minimum down payment for buying a house by installment?

The minimum down payment ratio of the "first suite" is 30%, and the maximum loan amount does not exceed 70% of the total price of the purchased house. The minimum down payment ratio of the "second suite" is 40%, and the maximum loan amount does not exceed 60% of the total price of the purchased house. In any case, you should prepare at least 20%-30% down payment. Don't believe that developers' zero down payment is an attractive advertisement.

Second, how to buy a house by stages

1. Buyers can find out which projects can apply for mortgage loans in advertisements or through the introduction of sales staff. It is also necessary to determine whether the house built by the developer can be mortgaged in the bank with the consent of the bank.

2. The buyer can go to the bank or the law firm designated by the bank to learn about the bank loan, the relevant documents to be prepared, and the "Application for Mortgage Loan" to be filled out after confirming the purchase of the house.

3. After receiving the documents from the buyers, the bank will conduct an audit to determine whether the buyers meet the mortgage loan conditions, and then issue a loan notice to the buyers. Property buyers can sign purchase contracts with developers. We must read the contract carefully and not sign it hastily.

4. After the purchaser signs the house purchase contract, the developer issues the proof that the house payment has been paid, brings the documents issued by the bank and the House Mortgage Loan Contract signed by the developer, and the bank makes the loan.

Article summary: The above is the minimum down payment for buying a house by stages shared by Bian Xiao, and the related contents of how to buy a house by stages, hoping to help everyone. If you buy a house by stages, the down payment can be cheaper, but it is not much cheaper.

Enter the area and get the decoration quotation for free.