If you plan to buy a house in Xi'an, how much is the down payment for a house worth 800,000 yuan? How much is the monthly payment?

Today's high housing prices have discouraged many people who just need it. Nowadays, many people have the need to buy a house, but cannot afford to buy a house in full, so people choose to buy a house with a housing loan. Since loan policies are different in different provinces, it is necessary to understand the local real estate policies, because only in this way can we reasonably arrange the funds on hand and spend them correctly. If you plan to buy a house in Xi'an, how much is the down payment for a house worth 800,000 yuan? How much is the monthly payment? Let me take you through the relevant information below!

If you buy your first home, the down payment ratio of the commercial loan shall not be less than 30% of the total price of the house, that is, 800,000 * 30% = 560,000 yuan, and the loan period is 30 years; for provident fund loans, the loan ratio can reach 75%, the loan amount is 750,000 yuan, and the loan term is 30 years.

If it is a second home, it must not be less than 40% of the appraised value of the house. That is to say, to buy a house with a total house price of 800,000 yuan, the down payment requires 800,000 * 40% = 320,000 yuan; provident fund loan for the second home If so, the loan amount is 750,000.

As for the down payment and monthly payment of buying a house in Xi'an, if you plan to buy a house of 800,000 yuan in Xi'an, you must make sufficient financial preparations. The down payment is also a large expense, and every month You must also calculate whether the supply will affect your quality of life in the next few years or even decades. The above is the Xi'an house purchase loan content I provide you, I hope it can help you!