Today's high housing prices make many people just want to stop. Nowadays, many people have the need to choose a house, but they are unable to choose a house in full, so people choose a house with a personal mortgage. Because the loan policies in different provinces are different, it is necessary to master the local real estate policies, because only in this way can the funds on hand be arranged reasonably and used correctly. If you plan to go to the sea election room, how much is the down payment for the 3.8 million house? How much is the monthly payment? Let me show you the relevant information below!
For the purchase of the first home, the down payment ratio of commercial loans shall not be less than 35% of the total house price, that is, 3.8 million * 35% = 2.47 million yuan, and the loan period shall be 30 years; With the provident fund loan, the loan ratio can reach 80%, the loan amount is 654.38+0 million yuan, and the loan period is 30 years.
If it is a second suite, it is not less than 50% of the appraised house price, that is to say, for a house with a total price of 3.8 million, the down payment needs 3.8 million * 50% = 1.90 million; If the provident fund loans the second suite, the loan amount is 800,000;
For the purchase of non-ordinary housing, the down payment ratio of the first set of real estate commercial loans shall not be less than 35% of the total house price, that is, 3.8 million * 35% = 1.33 million yuan, and the loan period is 30 years;
For the purchase of two non-ordinary houses, the down payment shall not be less than 70% of the appraised house price, that is, 3.8 million * 70% = 2.66 million yuan.
With regard to the down payment and monthly payment for choosing a house in Shanghai, if you plan to buy a 3.8 million house in Shanghai, you should make adequate financial preparations. The down payment is also a big expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of the Shanghai housing loan I provided for you. I hope it will help you!