Can I buy a house with a down payment?
Strictly speaking, the down payment is not allowed, because considering the repayment risk of the loan, the relevant departments will require the buyers to provide part of the down payment to prove the borrower's repayment ability. At present, the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total house price.
What are the methods for insufficient down payment?
1, lower the purchase standard.
The down payment ratio is determined according to the house payment. The higher the total house payment, the higher the down payment ratio. Therefore, if the down payment is not enough, it is much worse. It is suggested to lower the purchase standard, such as changing the house area from large to small, and considering the location from the city center to the suburbs, which will virtually reduce your pressure. The sub-area has been reduced from 120 square meters to 100 square meters, so that the down payment is less and the pressure on myself is reduced.
2. Sell the old ones for the new ones
If buyers own their own houses, and the down payment for changing houses is not enough now, it is suggested that they can sell their old houses and buy new ones, so that they not only don't have to worry about down payment, but also enjoy the benefits of the first suite.
3. Selling other assets
Buying a house is the foundation of our life and should be put in the first place. If the down payment is not enough, if there are other assets such as stocks and funds in hand, it is recommended to sell them first to solve the problem of insufficient down payment.
Step 4 Apply for a credit loan
Finally, if you have a good job and a stable income, you can also consider applying for a credit loan if the down payment on the house is not enough.
Summary: The above is about how to buy a house with a down payment and how to make a down payment. I hope I can help my friends in need. If you need to know more in the future, please pay attention to Qijia. com。