Is it appropriate to pay the down payment for a house with a loan? It stands to reason that a mortgage cannot be mortgaged. The down payment is the down payment when buying a house. When buying a house, you can't lend all your money. First, you have to pay part of it and borrow the rest from the bank. The current rule is to pay 30% of the rent. Due to the risk of the loan, the relevant departments will put forward a certain deposit to the buyers, that is, give you a sum of money in advance to prove that you have the ability to repay.

According to the national mortgage policy, the first suite should be prepared with a down payment of 30% and the second suite with a down payment of 60%.

However, the down payment can be increased in the following ways: 1, with collateral. Borrowers can mortgage their fixed assets, and then use the money to pay the down payment, but don't borrow too much, otherwise it will lead to too much debt and unable to repay the mortgage.

2. Cash in advance. Some developers have launched an activity, that is, installment payment. Installment down payment means that buyers pay a part of the down payment in a certain proportion within a certain period of time, sign a loan contract, and then repay all the remaining down payment within a certain period of time. For the down payment made by the developer, the consumer only needs to sign an agreement with the developer to stipulate the installment payment period and the corresponding liability for breach of contract.

3. Choose credit card installment payment. You can apply for a credit card. You can overdraw by credit card when you pay the down payment. Know in advance whether the bank allows credit card down payment. After paying the down payment by credit card, be sure to pay back the money in time, and don't breach the contract, so as not to affect future purchases.

4. Apply for a loan from a non-bank institution. Now many non-bank companies can give you a mortgage, and you can apply for a down payment from them. At present, some companies cooperate with banks, some companies lend money by themselves, and some are the hottest P2P platforms (find someone to invest and then lend money to buyers).

The above is the main content of whether it is appropriate to pay the down payment for the loan to buy a house. I believe everyone knows about these contents, and I hope this article can bring you some help.