If you plan to buy a house in Haiyang, how much is the down payment for a house worth 1.2 million yuan? How much is the mortgage?

Today’s high housing prices have discouraged many people who just need it. Nowadays, many people have the need to buy a house, but cannot afford to buy a house in full, so people choose to buy a house with a personal housing loan. Since loan policies vary in different regions, it is necessary to understand the local real estate policies, because only in this way can we reasonably arrange the funds on hand and spend them correctly. If you plan to buy a house in Haiyang, how much is the down payment for a house worth 1.2 million yuan? How much is the mortgage? Let me take you through the relevant information below!

If you choose to purchase your first home, the down payment ratio of the commercial loan shall not be less than 30% of the total price of the house, that is, 1,200,000 * 30% = 840,000 yuan, and the loan term is 30 years; for a provident fund loan, the loan ratio can reach 80%. %, the loan amount is 600,000 yuan, and the loan term is 30 years.

If it is a second home, it must not be less than 50% of the appraised value of the house. That is to say, to purchase a house with a total price of 1,200,000 yuan, the down payment requires 1,200,000 * 50% = 600,000 yuan; provident fund loan for second home If so, the loan amount is 600,000.

Regarding the down payment and mortgage status of buying a house in Haiyang, if you plan to buy a house worth 1.2 million yuan in Haiyang, you must make sufficient financial preparations. The down payment is also a large expense, and every month You also need to calculate whether your mortgage will affect your quality of life in the next few years or even decades. The above is the Haiyang house purchase loan content I provide you, I hope it can help you!