① If you choose a commercial loan, the first home loan is usually 70% of the total house price. Suppose the total transaction price of a house is 6.5438+0 million, then you can go to the bank for a loan of 700,000.

(2) However, if you buy a second home, the commercial loan ratio is 50%. Suppose the total transaction price of a house is 6.5438+0 million, and the maximum loan can be 500,000.

(3) If you choose provident fund loans, the loan ratio is slightly higher, usually 80% for the first home loan and 60% for the second home loan.

These are actually some rules about loans. Most young people will choose to apply for a loan when buying a house. After all, young people's savings are limited, and loans to buy a house can really alleviate the current pressure. However, when applying for a loan, if conditions permit, you still have to pay more down payment, which will be more cost-effective, because you can give a lot less interest.

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