1. What is the minimum down payment for a house?
1. The state stipulates that the down payment for a house purchase can be 2% of the total house price, but the bank will check the personal credit. If it is not a black household, there should be no problem. The specific situation is to ask the staff of the bank. Don't pay 2% down payment and find that you can't get a loan, so you need to make up 3%. If it is a civil servant, the down payment can be less and the loan can be more.
2. Housing loans can be divided into provident fund loans and commercial loans. When making loans, you need to know how much money is in the provident fund account and how much the unit has to pay each month. The interest on provident fund loans will be lower. If you have more loans and your provident fund balance is not much, you can choose portfolio loans.
3. There will be a guarantee when the loan is made. For example, if the loan is 1, yuan, it is necessary to provide a guarantee of 5, yuan of provident fund. You can find friends in your city and add more than 5 thousand yuan with the total amount of their provident fund. In addition to the provident fund guarantee, there are also real estate license guarantee and passbook guarantee, but both of them are more troublesome.
4. calculation method of down payment for first-hand house: down payment = total house payment-customer loan amount. Loan amount = contract price (market price) ×8%. Second-hand house down payment calculation method: net down payment = actual transaction price-customer loan amount. Loan amount = appraised price of second-hand house ×8%.
Editor's summary: What is the minimum down payment for a house? I believe you all know something after reading the article. I hope the above content can bring you some help and suggestions. If you need more relevant information, please continue to pay attention to us.