For example, the house10 million, but you don't have that much money. What should I do? Then, the bank can lend you 700,000 yuan, and the remaining 300,000 yuan needs to be collected by yourself when signing the contract. This 700,000 yuan needs to be returned to the bank in the next 20 years or even longer. In addition to the principal of 700,000 yuan, you also need to pay interest (interest coefficient), which is the so-called 70% 20-year mortgage. If you still pay 15 years, it will become a 70% 15 year mortgage. Similarly, 70% 65,438+00-year mortgage and 70% 5-year mortgage. Choose any mortgage you want, and the bank will calculate how much principal and interest you should pay each year and month for you. This is called monthly subscription.

2. Advance payment

Similarly, in the above example, the house is 654.38+00,000 yuan, and the bank only lends you 700,000 yuan, so the remaining 300,000 yuan is your down payment. Note that the bank can provide you with a loan of up to 70%, that is, 700 thousand. If you have a good job and some cities can borrow 80%, that is, 800,000 yuan, then you only need to pay a down payment of 200,000 yuan. In addition, banks can only lend thousands. For example, your house price is a non-integer, 987,654 yuan, 987,654 * 0.7 = 691.357.8 yuan, but the bank can only lend thousands, that is, only 69 1.000 yuan, so the remaining 357.8 yuan can only be added to your down payment.

Give you a complete formula:

The house price is 987,654 yuan, and the bank loan is 70%. For 20 years:

987654*0.7=69 1357.8

987654-69 1000=296654 yuan (down payment)

696,5438+00,000 yuan is a loan from the bank.

69. 10000 * (coefficient of bank loan for 240 months) = your monthly payment.

3, the way to buy a house

There are three ways to buy a house: 1, full payment; 2. Mortgage loan; 3. installment payment. Focus on the third type. Installment payment pays a percentage when signing the house purchase contract, a percentage when the house is half repaired or a certain date stipulated in the contract, and the remaining percentage when handing over the house. The developer will agree with you in the contract. But now many developers have not adopted the third way, because money is too slow for them.

4. Matters needing attention in buying a house

There are basically no precautions for buying a house. So far, the sale of houses still belongs to the seller's market. It's just that you should think more about the influence of orientation, floor and several households on your actual occupancy in the future, but pay attention to whether the floor is empty when handing over the house. This is a common problem, and non-quality developers will have this problem more often. Once it's empty, even if you've installed the house, laid the floor tiles or floors, the walls are still painted or pasted with wallpaper. Over time, cracks and floor depressions will appear in the house after three to five years, which is very unsatisfactory. In addition, it is a security door. Some developers bought inferior security doors in order to save costs. The appearance is the same as other security doors, which are filled with cardboard. It is conceivable that such a door can play a role in protecting the home! As for whether the window can be closed or not, and whether there is water leakage in the kitchen and bathroom, these are obvious. When the house is delivered, you can see it through careful inspection.

I wish you a happy purchase!