The current high housing prices make many people just want to stop. Now 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 housing loan. Because the loan policies in different provinces are different, it is necessary to understand 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 choose a house in Kunming, how much is the down payment for a 2.5 million house? How much is the monthly payment? Let me show you the relevant information below!

For the purchase of the first suite, the down payment ratio of commercial loans shall not be less than 30% of the total house price, that is, 2.5 million * 30% = 1.75 million yuan, and the loan period shall be 30 years; Provident fund loans, the loan ratio can reach 80%, the loan amount is 600,000 yuan, and the loan period is 30 years.

If it's a second suite, it's not less than 50% of the appraised house price, that is, if the total house price is 2.5 million, the down payment needs 2.5 million * 50% = 1.25 million; If the provident fund loans the second suite, the loan amount is 600,000.

Regarding the down payment and monthly payment for choosing a house in Kunming, if you plan to buy a 2.5 million house in Kunming, you should make full financial preparations. The down payment is not a small 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 Kunming housing loan I provided for you. I hope it will help you!