Today's high housing prices have discouraged many people who just need it. Nowadays, many people have the need to choose a house, but they are unable to choose a house in full, so people choose to choose a house with a personal housing loan. Due to the different loan policies in different regions, it is necessary to understand the local real estate policy, because only in this way can the funds on hand be arranged reasonably and used correctly. If you are going to choose a house in Linqing, how much is the down payment for a house of 6.5438+0.26 million yuan? How much is the monthly payment? Let me show you the relevant information below!
For the purchase of the first home, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is, 1260000 * 30% = 882000 yuan, and the loan period shall be 30 years; Provident fund loans, the loan ratio can reach 80%, the loan amount is 600,000 yuan, and the loan period is 30 years.
If it is a second suite, it shall not be less than 50% of the appraised house price, that is to say, for a house with a total house price of 1.26 million yuan, the down payment needs 1.26 million yuan * 50% = 630,000 yuan; If the provident fund loans the second suite, the loan amount is 600,000.
Regarding the down payment and monthly payment for choosing a house in Linqing, if you are going to buy a house with a price of 6.5438+0.26 million in Linqing, you should make adequate financial preparations. The down payment is not a small expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of Linqing housing loan I provided for you. I hope it will help you!