Buying a house by loan has become the mainstream of the market. When you apply for a housing loan from a bank, you usually need to prepare enough down payment. Some people don't know how much down payment they need to prepare, for example, what is the down payment for a 300 thousand house? Next, Bian Xiao will briefly introduce it to you.

1. To know the down payment for a house of 300,000 yuan, you must first know the down payment ratio of the house. Different regions have different policies on down payment ratio. For example, if we buy a house below 90 square meters with a provident fund loan, the minimum down payment ratio is 20%. The down payment ratio for purchasing the first suite in Beijing is 35%. The minimum down payment for the second suite is 50%; The minimum proportion of the first suite in Shanghai is 30%, and the minimum down payment for the second suite is 60%. Tianjin first suite down payment 30%, second suite down payment 60% and so on.

2. But the bank usually refers to the appraisal price of the house. If the house we bought for 300,000 yuan is a new house, its appraised price is the transaction price. If we buy a second-hand house for 300,000 yuan, its evaluation price will mostly be lower than the transaction price, because when evaluating the second-hand house, we will take into account the depreciation rate of the house, the surrounding environment and so on. Many appraisal prices are about 8-90% of the market price of second-hand houses.

3. We calculate according to the down payment ratio of 30% of the first suite. If you buy a new house for 300,000 yuan, the down payment is: 30 * 30% = 90,000 yuan. If the house purchased by 300,000 yuan is a second-hand house, and the appraised price of this house is only 80% of the transaction price, then the down payment we need to pay is: loanable amount = appraised price *70%, even if 24 * 70% =168,000 yuan. Banks usually take 5 thousand as the minimum amount. Therefore, the amount we can borrow is 6.5438+0.65 million yuan. The down payment is 300-16.5 =135,000 yuan.

Bian Xiao concluded: With regard to the down payment of 300,000 houses, Bian Xiao would like to make a brief introduction here. If you want to know how much down payment you need to pay, you can ask the staff of the loan bank to help us calculate. Or calculate the approximate down payment ratio according to the down payment ratio of local houses and the assessed price of houses.

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