In the current real estate market, there are only a few people who buy houses in full, and most buyers still choose to pay a certain amount of down payment, then apply for a loan, and repay the mortgage by monthly mortgage payment. How much is the down payment for that house? Then let's take a look!

if it's a 1 million house, according to the regulations issued by the bank, the down payment for the first suite is generally around 3, yuan, which is not less than 3% of the house price. If you already have a property under your name, the down payment for buying a second suite usually costs 5, to 6, yuan, which accounts for 5% to 6% of the house price. Regarding the amount of down payment, the bank only has the minimum standard, which actually depends on the economic situation of the buyers themselves.

if both husband and wife have paid provident fund and choose provident fund loan for house purchase, according to relevant regulations, the maximum loan can be 45, yuan. In this way, if you subtract the loan amount of 45, from the total purchase amount, the remaining amount is the down payment of the house. For example, the house payment is 8, yuan, and the down payment is 35, yuan after deducting the provident fund loan of 45, yuan.

if you choose a commercial loan, the down payment often accounts for half of the purchase price. For a house with a million yuan, the down payment is 5, yuan. However, the size of the down payment still depends on the income and repayment ability of the buyers, and see how much loan the bank can give. The remaining house payment is the down payment that the house needs to pay.

However, in order to increase the sales volume of houses, some developers often introduce some preferential policies on down payment. The minimum down payment standard will be lowered by 1 percentage points, that is, buyers only need to pay 2% of the down payment, and the remaining 1% will be paid in advance by the developer. Property buyers only need to pay the down payment of 1% of the remaining house price in 12 months, which, to a certain extent, relieves their own economic pressure.

under normal circumstances, if you buy the first ordinary house, the down payment is generally 3% of the total house price, and if you buy the second suite, you need to pay a down payment of not less than 6% of the house price. If you apply for a loan, the first suite will be implemented at the benchmark interest rate, but the second suite will be 1 percentage points higher than the first suite interest rate.

I hope the above answers will help you.

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