Five years later, housing development will require 5.55% tax, plus individual tax and deed tax, which is almost 65,438+00% tax, and the handling fee for real estate transactions, which is almost 65,438+00% of the total house price = 45,000 yuan.

If it is the first suite, within 90 square meters, the down payment is 20%, that is, 45 * 20% = 90,000 yuan.

If it is the first suite, the down payment is 30%, that is, 45 * 30% =135,000 yuan, if it is more than 90 square meters.

If it is a second suite, the down payment is 60%, that is, 45 * 60% = 270,000 yuan.

Pay attention to provident fund loans. It is estimated that your loan will not exceed 300,000 yuan, and the requirement of provident fund loan is 10 times of the balance of provident fund, which means that if you have a provident fund deposit of 25,000 yuan, you can only borrow 250,000 yuan, and so on. If the balance is less than 20,000 yuan, but you have paid enough provident fund for one year, you can borrow at least 200,000 yuan. It is recommended to consult the provident fund management center for details. Different cities have slightly different management.

If your cash is only enough to prepare the down payment, handling fees and taxes, and the provident fund is not enough for the loan, then you need to make a combined mortgage and provident fund loan.

It is recommended to consult a professional, chain-like and large-scale intermediary company, and there will be a very detailed introduction.