Today's high housing prices have discouraged many people who just need it. Now many people have the need to buy a house, but they can't afford to buy a house in full, so people choose personal housing loans to buy a house. 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 spent correctly. If you are going to buy a house in Suzhou, what is the down payment for a 640,000 house? 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 30% of the total house price, that is, 640,000 * 30% = 448,000 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 is a second suite, it shall not be less than 50% of the appraised house price, that is to say, to buy a house with a total house price of 640,000, the down payment needs 640,000 * 50% = 320,000 yuan; If the provident fund loans the second suite, the loan amount is 600,000.

Regarding the down payment and monthly payment in Suzhou, if you are going to buy a 640,000 house in Suzhou, you should prepare sufficient funds. 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 Suzhou housing loan I provided for you. I hope it will help you!