If the provident fund is used for the first time and the construction area of Xing Tao is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total house price. If the building area is over 90 square meters, the minimum down payment shall be over 30%.

To apply for provident fund loans, the following basic conditions shall be met:

Having full capacity for civil conduct;

Proof of provident fund deposit (or housing provident fund card);

Identity cards, household registration books and proof of marital status of the applicant and spouse;

If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;

Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;

When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.

Second, the down payment ratio of 20 17 housing loan

For example, loans from China Merchants Bank and housing loans from our bank (including the first and second floors).

The down payment ratio of the first suite shall not exceed 70% of the value of the purchased property and be adjusted to not less than 25%)

2%, that is, the maximum loan amount does not exceed 6% of the value of the purchased property.

Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can contact the loan department of the local outlet directly.

Third, the down payment ratio of 20 17 housing loan

Down payment ratio of real estate: the average price drops slightly 18000 or so, and the down payment is 30%. Now the down payment can be divided into: 1. Take the first suite as an example, the minimum down payment for a new house with a purchase area of not more than 90 square meters can reach 20%; 2. In the case of the second suite, the minimum down payment for purchasing the property is 60%; 3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price; 4. In other cases, the minimum down payment is 30%.

How much is the down payment for a house of four or seven million?

To buy a house worth 7 million yuan, you need to prepare at least 265,438+10,000 yuan. The down payment is different in different regions and situations, and the monthly payment is about 35,000. Take the down payment required by most homebuyers for example.

Under normal circumstances, the down payment ratio of the first suite is 30% of the total house price, and the cities with restricted purchases will be higher. Then if you buy a new house, you need to prepare at least a down payment of 265,438+10,000 yuan.

If you buy a second-hand house, the down payment is also calculated like this. Calculating the down payment of a second-hand house also involves an evaluation value, which is generally 80% of the transaction price, that is, 5.6 million. According to the loan regulations of the bank, the amount of second-hand housing loan = 70% of the appraised price of second-hand housing, that is, 3.92 million. Then the down payment for buying a second-hand house = the total house price of 7 million-the loan amount, which is 3.08 million.

Extended data:

The People's Bank of China announced that the annual interest rate of loans for 5-30 years (including 30 years) is 4.9%. According to the trial calculation of the benchmark interest rate, the repayment amount is 18575.4 1 yuan, and the repayment amount in the first month is 240 13.92 yuan (for reference only).

If the repayment is made by the equal principal and interest method, the down payment of 7 million houses is 265,438+10,000, so the loan amount is 4.9 million. If the annual interest rate of the loan is 4.900% and the loan term is 30 years, the monthly repayment amount of the principal is 26,005.63 yuan, the total repayment amount of the monthly principal and interest is 9,362,026.8 yuan, and the total repayment interest is 44 * *.