How much is the down payment for the loan to buy a house?
If the first suite is a new house, only 30% down payment is required. If the first suite is a second-hand house, the down payment will be higher, generally 30% of the evaluation price. However, if the evaluation price is lower than the contract price, the remaining house payment needs to be made up in the down payment. When buying a second house, the down payment is 70% of the house price, and when buying a commercial house, the down payment is 50% of the house price.
Matters needing attention in buying a house with personal loan
1. Apply for the loan amount according to your own ability.
The amount of housing loan must be applied according to your actual situation, and make the right choice according to your current economy and repayment ability.
2. Choose a good loan bank for mortgage.
Whether buying an existing house or a second-hand house, the loan bank is free to choose. If the service types of loan banks are more and more detailed, the more choices you have.
3. Choose the most suitable repayment method.
There are usually two repayment methods: equal repayment and equal principal repayment. The monthly repayment amount of equal repayment can be grasped, which is convenient and fast for the family's income and expenditure, while the repayment of equal principal is more suitable for people with strong economic ability.
The information provided to the bank should be true.
The borrower who applies for a loan needs to provide the bank with a personal income certificate, which must be true and credible. If they exaggerate their income level to cover up their repayment ability, it is a breach of contract, which will affect the loan application.
Summary of the article: The above is about the down payment amount of loan to buy a house and the matters needing attention of personal loan to buy a house. I hope it will help everyone. For more information, please keep an eye on Qijia. com。