If you have a good relationship with friends and relatives, you can consider asking them for help. But please remember: when borrowing money from relatives and friends, we should measure each other's financial situation, sign a formal debit note, and remember to repay it when the funds are sufficient to avoid disputes and affect the relationship between friends.

2. Seek parents' support.

Your parents will always be your strong backing. Although it is embarrassing to ask your parents for money after entering the society, you can seek their support when your parents are in good financial conditions. But please remember: parents just help, not take it for granted. When they have enough money, they should return it to their parents and thank them.

3. resell valuables.

If you have an old car, a house or other valuables at home, you might as well sell them. Generally speaking, this method can only be adopted unless the gap is relatively large or a large amount of funds is really needed. The cycle of this cashback method is still relatively long. If you really need to use this method, you must find a good seller before buying a house.

4. Clever use of provident fund.

At present, many companies pay housing provident fund for their employees. If you have a provident fund, you must make good use of it. However, it should be noted that the provident fund cannot be directly used for the down payment. You must pay the down payment yourself first, and then take the purchase contract and invoice to withdraw the provident fund.

5, through the policy loan.

If you buy commercial insurance, it is ok to pay the down payment through the policy loan. Moreover, many insurance companies can lend their policies, but there will be certain risks and quota restrictions. You should consult the insurance company. It should be noted that you have undoubtedly added a loan for yourself through the policy loan, so you must measure your repayment ability.

6. Apply for a salary loan.

For institutions and personnel with relatively stable income, they can apply for wage loans. In addition to institutions and staff, some enterprises also have similar benefits. This part of the loan can be used for personal consumption and house purchase, and the loan period is generally shorter than 3 years.

7. Open source and reduce expenditure.

Buying a house should not only reduce unnecessary expenses, but also try to see if you can make more money. After all, money is earned, not saved. If there are many ways to make money, the pressure of life may be alleviated, such as funds, stocks or other financial management methods. If you are sure, you might as well try.

8. Re-plan the procurement plan.

If the house price exceeds the budget and there is a lot of pressure after the house is handed over, you can consider re-planning to buy a smaller house or a place with a slightly biased position. In short, buyers should combine their own economic situation to buy a house, and do not seriously affect the future quality of life of the whole family.

How much is the down payment for buying a house?

1, the first new house down payment algorithm has provisions.

According to national regulations, as long as it is the first house, the down payment should not be less than 30% of the total house price. For example, if you want to buy a house worth 6,543.8+0,000 yuan, then your down payment should be at least 6,543.8+0,000 30% = 300,000 yuan.

2. How to calculate the down payment for buying a house? Calculate the down payment according to the loan amount.

Although there are regulations, as long as you take 30% of the total house price, there is still a loan problem. For example, for the above-mentioned house with a total house price of 6,543,800 yuan, if the provident fund loan is adopted, both husband and wife can borrow up to 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan.

If you use commercial loans, you need to examine your family income and repayment ability to see how much money you can borrow. The total house price minus the loan amount is also the down payment.

3. Buy a second suite with a down payment.

These are the algorithms for the first suite. When buying a second suite (family as a unit), the down payment ratio of the loan shall not be less than 50%. For example, for a house with a total house price of 6,543,800 yuan, the down payment should be at least 6,543,800 yuan, and 50% = 500,000 yuan.