The current high housing prices make many people just want to stop. Now many people have the need to buy a house, but they can't afford to buy a house in full, so people choose mortgage loans to buy a house. Because the loan policies in different regions 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 are going to buy a house in Dalian, what is the down payment of 6.5438+0.04 million yuan? 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 the commercial loan shall not be less than 20% of the total house price, that is, 1040000 * 20% = 832000 yuan, and the loan period shall be 30 years; Provident fund loans, the loan ratio can reach 60%, the loan amount is 700,000, and the loan period is 30 years.

If it is a second suite, it shall not be less than 30% of the appraised house price, that is, if the total house price is 1040000 yuan, the down payment is required to be1040000 * 30% = 312000 yuan; If the provident fund loans the second suite, the loan amount is 700,000.

Regarding the down payment and monthly payment for buying a house in Dalian, if you are going to buy a house with a price of 6.5438+0.04 million yuan in Dalian, you should make adequate 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 the Dalian housing loan I provided for you. I hope it will help you!