2. the down payment of some houses is calculated according to the loan amount, as long as it accounts for 30% of the total house price, but there is still a loan problem. Take the above-mentioned house with a total house price of 6,543,800 yuan as an example. If the provident fund loan is adopted, both husband and wife can borrow up to 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan.
You need to check your family income and repayment ability to see how much money you can borrow. The total house price MINUS the loan amount is the down payment.
4. The above are all algorithms for the first suite. When buying a second suite (family as a unit), the down payment ratio of the loan shall not be less than 50%. For example, for a house with a total house price of 6,543,800 yuan, the down payment should be at least 6,543,800 yuan+0,000 yuan * 50% = 500,000 yuan.
What should I pay attention to when buying a house with a down payment?
1, it is necessary to check whether the developer has a pre-sale permit for commercial housing. With a permit, it means that the developer has a land use permit, a planning permit, a construction project permit, etc. This is the key to buying a house. It should be noted that the purchased building number is within the pre-sale range. The text of the standard house sales contract uniformly printed by the real estate management department must be used and filled in item by item according to the terms listed in the text. We must not be careless. Be sure to pay attention to whether the rights and obligations in the contents filled in by both parties in the terms of the contract are equivalent.
2. Some developers have already filled in the contract text in advance, and even the supplementary terms are filled in by themselves. Most of these filled-in contract texts are unequal in rights and obligations. Once this happens, buyers must put forward their own opinions and never make a move. Area confirmation and area difference processing. If the confirmed area is selected and the area difference is treated based on the interior construction area, the treatment method when the area is wrong shall be specified in the "Area Difference Treatment" clause. Only after the accumulated differences in the contract are agreed in detail can we avoid being cheated.
3. Be sure to pay attention to whether the payment method of house sales is standardized. The amount, time limit, method of payment and liability for breach of contract are stipulated in the contract. Some developers do not sign the contract first, but let the buyers pay a certain deposit first, and only issue receipts to the buyers. Once a dispute occurs, it is often difficult for buyers to prove their responsibility.